Comparison

first direct vs Spento

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

Head to head
About

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.

Highlights
  • Check account balances
  • View transaction history
  • Pay family and friends
  • Simplified money management
  • Mobile banking convenience
Features
Read full description

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in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.

About

Spento

Features
Read full description

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

first direct4 screens
Spento4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

first direct ships an update monthly, Spento every 5 days. The most recent releases landed on October 11, 2026 and October 2, 2026 respectively.

Scorecard3 real differences · 7 level
first direct versus Spento: the parameters behind the verdict, then further details
Parameterfirst directSpento
PriceFreeFree
Rating4.9 (2K ratings) — better—
Positive reviews76.5% of reviews—
Number of ratings2K — better—
Update frequencyMonthlyEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better26.2
Further details — not scored
Size271 MB1 MB
Age rating4+4+
Developerfirst directDavid 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

None

first direct

No in-app purchases

None

Spento

No in-app purchases

Questions

Is first direct free?
first direct is free to download, with no in-app purchases.
Is Spento free?
Spento is free to download, with no in-app purchases.
Do first direct or Spento have ads?
Neither first direct nor Spento shows ads.
Which is updated more often, first direct or Spento?
first direct ships an update monthly, and Spento every 5 days. Most recently, first direct was updated on October 11, 2026 and Spento on October 2, 2026.

Other comparisons