Comparison

NUMO Pay vs Track Spending

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

NUMO Pay

This mobile payment app allows you to securely store your bank cards on your smartphone. Use it to shop at merchants with NUMO Pay POS devices, enjoying faster, more private transactions. Manage your cards, check balances, and view transaction history.

Highlights
  • Store bank cards securely
  • Fast and easy mobile payments
  • Enhanced privacy and security
  • Check card balance and transaction history
  • Activate/deactivate cards
  • Accepts all bank cards
Features
Read full description

نموباي: نمو باي هي طريقة الدفع المثالية عن طريق الهاتف النقال، حيت يمكنك تطبيق نمو باي من حفظ جميع بطاقاتك المصرفية على هاتفك الذكي واستخدام التطبيق للتسوق من المحلات والأسواق التي توفر أجهزة نقاط بيع شبكة نمو، مع المحافظة على كافة معلوماتك وبياناتك المصرفية بشكل آمن داخل التطبيق خلال عملية الدفع، كما يوفر التطبيق العديد من المزايا أهمها: • أسرع وأسهل من استخدام البطاقات المصرفية أو النقود. • يوفر الخصوصية والأمان. • يمكنك من معرفة رصيد البطاقة المصرفية وسجل الحركات السابقة على البطاقة. • يمكنك بالتحكم في البطاقة المصرفية (تفعيل / الغاء تفعيل). • يقبل جميع البطاقات المصرفية. • يمكنك من الدفع لدى كل المتاجر المحلية التي تملك أجهزة نقاط بيع شبكة نمو أو تطبيق نمو بزنس.

About

Track Spending

Manage your income and expenses with this app. Track spending, customize budget categories, and analyze your financial habits with real-time monitoring and visual reports. Secure your data with biometric authentication and cloud backups.

Highlights
  • Expense tracking
  • Budget management
  • Customizable categories
  • Real-time income/expense monitoring
  • Spending analysis
  • Biometric authentication
  • Google Drive backup
  • Multi-currency accounts
Features
Read full description

Spending & Income : Wise Budget Manage and Control Your Daily Revenue with Ease Control your finances count your money and monitor your daily revenue with Wise Budget: Spending & Income. This ultimate app provides powerful features to help you manage your finances, stay within your budget, and make informed financial decisions. Track Your Expenses and Manage Your Budget With Wise Budget, you can track your expenses and manage your budget, allowing you to see where your money is going and adjust your spending habits as needed. Customize Categories for Better Management Customize your budget categories by adding new ones that match your lifestyle, such as gym expenses, food costs, and more, to better manage your finances. Monitor Your Income and Expenses in Real-time Monitor your income, expenses, and budget in real-time with Wise Budget, making informed financial decisions and keeping track of your progress towards your financial goals. Analyze Your Spending Habits with Budget Analysis Understand your spending habits with Wise Budget's budget analysis feature, which helps you identify areas where you may be overspending and make adjustments to your budget as needed. Track Your Expenses with Spending Tracker and Money Counter With Wise Budget's spending tracker, keep a close eye on your expenses, making informed decisions about your spending habits. Protect Your Financial Information with Biometric Authentication Protect your financial information with Wise Budget's biometric authentication feature, ensuring only you can access your financial information, so you can have peace of mind knowing that your data is safe and secure. Backup Your Data to Google Drive for Safekeeping Never lose your financial data with Wise Budget's auto backup to Google Drive feature, automatically backing up your data to Google Drive, so you can easily restore it in the event of data loss or device damage. Create Multiple Accounts with Different Currencies With Wise Budget, create multiple accounts and use different currencies for each one, perfect for managing finances across multiple currencies or multiple sources of income. Upgrade to Premium and Enjoy an Ad-free Experience Upgrade to Wise Budget's premium version and enjoy an ad-free experience, with access to additional features like custom budget periods and detailed expense reports. Print Debts, Expenses, and Income as PDF and Excel Files Easily print your debts, expenses, and income as PDF and Excel files with Wise Budget's printing feature, perfect for keeping a physical record of your financial transactions. Visualize Your Data with Charts and Graphs See your financial data come to life with Wise Budget's charts and graphs feature, making it easy to understand your spending habits and identify areas for improvement. Save Money and Achieve Your Financial Goals With Wise Budget - Money Counter , save money and achieve your financial goals, whether it's paying off debt, saving for a vacation, or planning for retirement. Set Up Monthly Budgets with Budget Planner Take control of your spending with Wise Budget: Spending & Income's monthly budget analysis feature and budget planner, helping you manage your finances and revenue on a daily basis. Download Wise Budget خەرجیەکانم now and start managing your finances with ease. With our intuitive interface and powerful features, you can take control of your finances today. Link LICENSED APPLICATION END USER LICENSE AGREEMENT: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

NUMO Pay4 screens
Track Spending4 screens

Verdict

The call

The clearest difference is review sentiment: Track Spending at 74% against NUMO Pay's 18%. Track Spending also leads on rating (4.8 vs 3.3) and ratings volume (3K vs 93). NUMO Pay's advantage is in-app purchases (none vs 8). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Track Spending sells 8 in-app purchases, starting at $4.99 per month. NUMO Pay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Track Spending holds the better App Store score, 4.8 against 3.3. That said, the two scores are not equally well evidenced: Track Spending has 3K ratings behind it against 93, so its average is the more settled of the two. Written reviews point the same way: 18% of NUMO Pay's written reviews are positive against 74% of Track Spending's.

UpkeepUpdate frequency

NUMO Pay ships an update every 5 weeks, Track Spending every 11 days. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard7 real differences · 3 level
NUMO Pay versus Track Spending: the parameters behind the verdict, then further details
ParameterNUMO PayTrack Spending
PriceFreeFree
Rating3.3 (93 ratings)4.8 (3K ratings) — better
Positive reviews17.9% of reviews74.4% of reviews — better
Number of ratings933K — better
Update frequencyEvery 5 weeksEvery 11 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size97 MB100 MB
Age rating4+9+
DeveloperMoamalat Financial ServicesMarwan Ghafoor

Customer experience

NUMO Pay

All ratings85 ratings
Positive52.9%
Neutral12.9%
Negative34.1%
Written reviews39 reviews
Positive17.9%
Neutral17.9%
Negative64.1%

Track Spending

All ratings2,989 ratings
Positive94.2%
Neutral2.6%
Negative3.1%
Written reviews39 reviews
Positive74.4%
Neutral2.6%
Negative23.1%

User reviews

NUMO Pay

From 93 App Store ratings

What we love

  • 👍 Good for electronic payments in Libya
  • 👍 Easy and simple to use
  • 👍 Can add multiple cards
  • 👍 Good and comfortable app
  • 👍 Quality leap

Room to improve

  • 🐛 Registration not working
  • 🐛 App is not functioning
  • 🐛 App needs fixing
  • 🐛 Useless app
  • 🐛 App crashes when scanning QR code

Track Spending

From 3K App Store ratings

What we love

  • 🌟 Excellent app
  • 👍 Easy to use
  • 💰 Helpful for managing finances
  • 🇰🇷 Available in multiple languages

Room to improve

  • 🐛 404 error when switching to dark mode
  • 💰 Exporting reports is premium feature

Bugs and requests

NUMO Pay

Reported bugs

24 issues
  • Registration is not working
  • Couldn't register local cards or bank accounts
  • Verification message added via SMS and app password
  • Purchase transaction takes long
  • SMS messages not received quickly
Show 19 more
  • New Rakaz card not activating
  • Purchase history deleted after last update
  • QR code scanning causes app crash
  • QR code scanning causes app crash
  • Problem with last update: card names duplicated
  • Card activation/deactivation feature not working
  • Cannot add Republic card if it's the second card
  • Cannot delete added card
  • Cannot delete account
  • App requires only 16 digits for card, but new Republic cards have 19
  • Cannot add Al-Waha or Al-Aman cards
  • Cannot add another card
  • Cannot add Republic card
  • Cannot delete expired card
  • Card number incorrect error
  • Transaction history not showing
  • North Africa Bank card not activated
  • North Trade card shows incorrect number
  • Cannot verify some banks

Requested features

11 requests
  • Add NFC for iPhone
  • Add NFC for iPhones
  • Add NFC for iPhones
  • Add NFC for iPhones
  • Develop the program to accept chip cards
Show 6 more
  • Add fingerprint authentication instead of OTP
  • Add feature to activate/deactivate online purchases
  • Add feature to activate/deactivate online purchases
  • Add option to reset password
  • Add card to wallet app
  • Add virtual card issuance

Track Spending

Reported bugs

2 issues
  • Color issues on iPhone
  • Crashes after latest update

Requested features

3 requests
  • Add more currency options
  • Separate debt tracking feature
  • Integrate with other financial apps

In-app purchases

None

NUMO Pay

No in-app purchases

8 purchases

Track Spending

Subscriptions6
  • Wise Budget Monthly Plan$4.991 Month
  • Remove Ads$9.991 Year
  • 3 Month Subscription$14.993 Months
Show 3 more
  • Wise Budget Six Month$24.996 Months
  • Yearly Discounted Price$29.991 Year
  • Wise Budget Yearly Plan$29.991 Year
One-time2
  • Life Time Offer$149.00
  • Lifetime Offer$149.99

Questions

Is NUMO Pay free?
NUMO Pay is free to download, with no in-app purchases.
Is Track Spending free?
Track Spending is free to download, with in-app purchases available.
Which has better reviews, NUMO Pay or Track Spending?
Track Spending is rated higher. NUMO Pay averages 3.3 out of 5 from 93 ratings, while Track Spending averages 4.8 from 3K ratings.
Do NUMO Pay or Track Spending have ads?
Neither NUMO Pay nor Track Spending shows ads.
Which is updated more often, NUMO Pay or Track Spending?
NUMO Pay ships an update every 5 weeks, and Track Spending every 11 days. Most recently, NUMO Pay was updated on October 24, 2026 and Track Spending on October 30, 2026.

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