first direct vs Spento
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
first direct
Manage your finances on the go with this intuitive mobile banking application. Easily check balances, view transactions, and transfer funds to friends and family. This app simplifies everyday money management, with more enhancements planned for the future.
- Check account balances
- View transaction history
- Pay family and friends
- Simplified money management
- Mobile banking convenience
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Your everyday just got a whole lot easier. Even better banking has arrived. At the coffee shop, deciding if it’s a skinny soy latte or a cup of tea. In a taxi stuck in traffic, wondering how much you’ve saved for your trip to Machu Picchu. On a rollercoaster, planning the decorations for your dog’s third birthday party… Wherever you are, whatever you’re doing, our new and improved mobile app makes banking even simpler. From checking your balances and viewing transactions to paying family and friends, mobile banking takes all the hassle out of everyday money stuff. You can now do more than ever from the comfort of your own phone - and if that’s not exciting enough, this is just the start of our mini digital revolution, with loads more improvements on the way. So go on. Get yourself up to date. Update now >> • Free to use, but providers may charge for download and usage • Use in accordance with local laws and check charges if using abroad • Use in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.
Spento
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ExpenseTracker helps you keep an eye on your spending with a clean, simple, and modern experience. Track expenses quickly, organize them into categories, and get a clear overview of where your money goes. With useful widgets, detailed insights, and spending limits, ExpenseTracker gives you the tools you need to stay in control. Features: - Quickly add, edit, and delete expenses - Organize spending with customizable categories - See daily and monthly spending at a glance - Explore detailed insights by time range - View top spending categories - Set daily, weekly, or monthly spending limits - Monitor your progress directly on the dashboard - Use home screen widgets for weekly spending and spending limits - Clean, modern, and easy-to-use design Whether you just want a lightweight expense tracker or a simple way to stay aware of your spending habits, ExpenseTracker helps you stay focused and organized.
Screenshots
Verdict
The clearest difference is update cadence: Spento at every 5 days against first direct's monthly. first direct's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 26.2). On price, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
first direct ships an update monthly, Spento every 5 days. The most recent releases landed on October 11, 2026 and October 2, 2026 respectively.
| Parameter | first direct | Spento |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (2K ratings) — better | — |
| Positive reviews | 76.5% of reviews | — |
| Number of ratings | 2K — better | — |
| Update frequency | Monthly | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 26.2 |
| Further details — not scored | ||
| Size | 271 MB | 1 MB |
| Age rating | 4+ | 4+ |
| Developer | first direct | David Kueng |
Bugs and requests
first direct
Reported bugs
4 issues- App freezing and crashing
- Issues with cheque deposit functionality
- Problems with multi-device authentication
- Inconsistent behavior when updating payee details
Requested features
5 requests- Dark mode option
- Improved transaction history and insights
- Ability to edit scheduled payments and payees
- Streamlined payment flow
- Better categorization and budgeting tools
Spento
Not enough reviews yet to summarise bugs or requests.
In-app purchases
first direct
No in-app purchases
Spento
No in-app purchases









