# 合作金庫銀行 vs Pennyworth

合作金庫銀行 and Pennyworth both sit at 4.7 stars, but that hides the real split: 92% of Pennyworth's written reviews are positive against 38% of 合作金庫銀行's. Pennyworth also leads on update cadence (weekly vs fortnightly) and ratings volume (1.3K vs 320). 合作金庫銀行's advantage is in-app purchases (none vs 3) and ads (none vs shown). On price, rating and device support there is nothing between them.

Both are free to download. Pennyworth sells 3 one-off in-app purchases. 合作金庫銀行 asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.7 for 合作金庫銀行 against 4.8 for Pennyworth. Both are backed by a comparable volume of ratings — 320 and 1.3K respectively. Written reviews are what separate them: 38% of 合作金庫銀行's written reviews are positive against 92% of Pennyworth's.

合作金庫銀行 ships an update fortnightly, Pennyworth weekly. Both last shipped on November 1, 2026.

## The numbers

| Metric | 合作金庫銀行 | Pennyworth |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (320 ratings)](https://appshunter.io/ios/app/id432274183/reviews) | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283/reviews)** |
| Number of ratings | 320 | **1.3K** |
| Positive reviews | 38.0% of reviews | **92.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | — | Free with in-app purchases |
| Size | 77 MB | 67 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPod, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Taiwan Cooperative Bank](https://appshunter.io/developer/432261661) | [Jack Xuan](https://appshunter.io/developer/943334381) |

## What reviewers say

### 合作金庫銀行

[App page](https://appshunter.io/ios/app/id432274183)

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

**In-app purchases:** none


### Pennyworth

[App page](https://appshunter.io/ios/app/pennyworth-expense-tracker/id954944283)

Easily track income and expenses, create budgets, and manage multiple financial accounts. Offers features like stock portfolio tracking, credit card management, and multi-currency support. Secure your data with privacy lock and sync across devices.

**Highlights:** Fast expense tracking, Multiple financial books, iCloud sync and sharing, Budgeting and planning tools, Stock portfolio tracking, Credit card management, Multi-currency support, Receipt and invoice capture

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| cloud book - sync and share | $2.99 | one-time |
| Stock Management | $2.99 | one-time |
| remove ads | $3.99 | one-time |

**What reviewers like**

- 👍 User-friendly app
- 🚀 Simple and intuitive interface
- 💡 Helpful budgeting and expense tracking features
- 🚀 Efficient data management
- 👍 Customizable categories and reports

**What reviewers complain about**

- 🐛 Recurring transaction issues causing duplicate entries
- 🔍 Lack of search functionality
- 📤 Difficulty exporting data
- 🔒 Concerns about data security and syncing between devices

**Reported bugs**

- Inconsistent data display (e.g., showing rounded numbers instead of actual amounts)
- Inability to add account balances
- Disappearance of user data after app updates

**Requested features**

- Add custom repeat option for recurring payments
- Implement a 'Are you sure?' prompt before deleting transactions
- Improve image quality and restoration for uploaded receipts
- Introduce a 'Paid' mark for scheduled transactions
- Expand budgeting features with more granular controls


## Frequently asked questions

### Is 合作金庫銀行 free?

合作金庫銀行 is free to download, with no in-app purchases.

### Is Pennyworth free?

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

### Which has better reviews, 合作金庫銀行 or Pennyworth?

Pennyworth is rated higher. 合作金庫銀行 averages 4.7 out of 5 from 320 ratings, while Pennyworth averages 4.8 from 1.3K ratings.

### Do 合作金庫銀行 or Pennyworth have ads?

Pennyworth shows ads; 合作金庫銀行 does not.

### Which is updated more often, 合作金庫銀行 or Pennyworth?

合作金庫銀行 ships an update fortnightly, and Pennyworth weekly. Most recently, 合作金庫銀行 was updated on November 1, 2026 and Pennyworth on November 1, 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.*