# Sella vs Rateo

The clearest difference is in-app purchases: Sella at none against Rateo's 2. Rateo's advantage is update cadence (every 4 days vs every 3 weeks). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Rateo sells 2 in-app purchases, starting at $19.99 per year. Sella asks for nothing beyond the download.

Sella ships an update every 3 weeks, Rateo every 4 days. The most recent releases landed on October 29, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Sella | Rateo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (149 ratings)](https://appshunter.io/ios/app/sella/id296150383/reviews)** | — |
| Number of ratings | **149** | — |
| Positive reviews | 72.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | Free | — |
| Size | 99 MB | 30 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banca Sella Holding](https://appshunter.io/developer/296150386) | [Fabrizio Marinelli](https://appshunter.io/developer/6809891709) |

## What reviewers say

### Sella

[App page](https://appshunter.io/ios/app/sella/id296150383)

Manage your finances with a redesigned mobile banking app. Access accounts and cards from other banks, personalize your homepage with widgets, and set savings goals. Send money instantly to contacts and make payments like bills and taxes with ease.

**Highlights:** Biometric login (fingerprint, face recognition), Manage accounts and cards from multiple banks, Customizable homepage with widgets, Savings goals with 'piggy bank' feature, Instant money transfers to contacts, Bill payments (PagoPA, CBill, F24)

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Rateo

[App page](https://appshunter.io/ios/app/rateo-bnpl-tracker/id6809891707)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Rateo PRO Annual | $19.99 | per year |
| Rateo PRO Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Sella free?

Sella is free to download, with no in-app purchases.

### Is Rateo free?

Rateo is free to download, with in-app purchases available.

### Do Sella or Rateo have ads?

Neither Sella nor Rateo shows ads.

### Which is updated more often, Sella or Rateo?

Sella ships an update every 3 weeks, and Rateo every 4 days. Most recently, Sella was updated on October 29, 2026 and Rateo on October 26, 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.*