# NUMO Pay vs Track Spending

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.

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.

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.

NUMO Pay ships an update every 5 weeks, Track Spending every 11 days. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | NUMO Pay | Track Spending |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (93 ratings)](https://appshunter.io/ios/app/numo-pay/id1667606176/reviews) | **[4.8 (3K ratings)](https://appshunter.io/ios/app/track-spending-wise-budget/id6444917344/reviews)** |
| Number of ratings | 93 | **3K** |
| Positive reviews | 17.9% of reviews | **74.4% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 11 days** |
| Monetization | **Free** | Freemium |
| Size | 97 MB | 100 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Moamalat Financial Services](https://appshunter.io/developer/1656909706) | [Marwan Ghafoor](https://appshunter.io/developer/1575737942) |

## What reviewers say

### NUMO Pay

[App page](https://appshunter.io/ios/app/numo-pay/id1667606176)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- Add NFC for iPhone
- Add NFC for iPhones
- Add NFC for iPhones
- Add NFC for iPhones
- Develop the program to accept chip cards


### Track Spending

[App page](https://appshunter.io/ios/app/track-spending-wise-budget/id6444917344)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Wise Budget Monthly Plan | $4.99 | per month |
| Remove Ads | $9.99 | per year |
| 3 Month Subscription | $14.99 | per 3 months |
| Wise Budget Six Month | $24.99 | per 6 months |
| Yearly Discounted Price | $29.99 | per year |
| Wise Budget Yearly Plan | $29.99 | per year |
| Life Time Offer | $149.00 | one-time |
| Lifetime Offer | $149.99 | one-time |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Color issues on iPhone
- Crashes after latest update

**Requested features**

- Add more currency options
- Separate debt tracking feature
- Integrate with other financial apps


## Frequently asked 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 27, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*