Comparison

Krungthai NEXT vs Cost AI

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

Head to head
About

Krungthai NEXT

Manage your finances with a secure and user-friendly mobile banking app. Perform transfers, pay bills, withdraw cash, and apply for loans with ease. Enjoy personalized features, smart transaction suggestions, and exclusive promotions.

Highlights
  • Face verification for secure login
  • Transfer, pay bills, and withdraw money
  • Schedule transactions up to 24 months ahead
  • Personalize home screen and quick menu
  • Smart banners for reminders and news
  • Suggested transactions for faster completion
  • Access to high-interest savings accounts
Read full description

Krungthai NEXT is a mobile application that keeps you on top of your finances. Enjoy a smart lifestyle with our new app! Simpler, faster and more secured: • Register with face verification. No need to worry about forgetting your username or password! • Transfer, top up, pay bills, withdraw money and apply for a loan with no hassle. • Schedule your transactions up to 24 months in advance. • Personalize your home screen on Quick Menu, Favorite and Profile Picture to match your preference. Smart lifestyle: • Use Smart Banner to receive your payment reminders and news. This helps you avoid late fees, save time and stay ahead of the game. • Enable Smart Transaction to get suggested transactions, completing them faster than ever. • Enjoy your privileged campaigns on Smart Promotion, catering to your taste. And many more: • Open NEXT savings accounts with a high-interest rate. • Spend your Krungthai Travel Cards with the best foreign exchange rates. • Buy insurance and check your insurance policy anywhere and anytime. • Credit limit personal loan up to 1,000,000 THB • Interest rate 11 - 24 % annually for valued customers who always pay on the due date (No additional fee to be charged) • Installment plan from 12-60 months Example of installment payment When customers has been approved personal loan 50,000 THB with 12 months installment plan at 11% of interest rate Customer required to pay 4,500 TH per month (both initial amount and monthly interest fee) and in total customer needs to pay 52,979 THB (50,000 THB for initial amount and 2,979 THB for interest) • Track your KTC card usage, available balance and reward points. About Krungthai NEXT: • Website : www.krungthai.com • Facebook : https://www.facebook.com/krungthaibank • Contact Center : 02-111-1111 • Address : 35 Nana Nua Building Sukhumvit Road, Khlong Toei Nua, Watthana , Bangkok ,Thailand 10110 Krungthai NEXT - Live Life to the NEXT Download now!

About

Cost AI

Features
Read full description

Cost AI Find where your money really goes. Most people don’t overspend on big purchases. They lose money through small, recurring decisions that add up over time. Cost AI is an AI-powered expense tracker, budget tracker, and personal finance app that helps you uncover hidden spending patterns, understand your financial habits, and make smarter financial decisions. Whether you’re trying to save more, manage your budget, track expenses, or simply understand your finances better, Cost AI turns everyday spending into actionable AI-powered insights. Key Features Discover Hidden Spending Patterns Identify recurring purchases, subscriptions, unnoticed habits, and spending behaviors that may be costing more than you realize. AI-Powered Financial Insights Analyze your spending activity with AI and discover trends, patterns, and opportunities to improve your financial habits. Expense & Budget Tracking Track your expenses, monitor your budget, and understand where your money goes across different spending categories. Receipt Scanner Scan receipts to organize your expenses and gain deeper insights into your spending history. Understand Your Money Get a clearer picture of your financial behavior and make informed decisions with personalized spending analysis. Build Better Money Habits Track your progress over time and develop healthier spending habits with AI-powered recommendations. Smart Spending Awareness Small purchases often have the biggest long-term impact. Cost AI helps you recognize hidden costs that might otherwise go unnoticed. Why Cost AI? Many budgeting apps focus only on tracking numbers. Cost AI goes further by helping you understand the behavior behind your spending. By combining expense tracking, receipt scanning, spending analysis, and artificial intelligence, Cost AI helps you identify opportunities to save money without sacrificing the things that matter most. Perfect For • Expense tracking • Budget planning • Budget tracker • Personal finance management • Money management • Receipt scanning • Spending habit analysis • Subscription tracking • Cost awareness • Financial goal setting • Money-saving insights • Everyday budgeting • Smarter purchasing decisions Start Understanding Your Spending Today Download Cost AI and discover the patterns behind your expenses. Scan receipts, track your spending, uncover hidden costs, and take control of your financial future with AI-powered financial insights. Cost AI Pro is an optional subscription that increases the monthly product scan limit from 10 scans to 30 scans. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Krungthai NEXT4 screens
Cost AI4 screens

Verdict

The call

The clearest difference is in-app purchases: Krungthai NEXT at none against Cost AI's 4. Krungthai NEXT also leads on iOS requirement (15.0 vs 26.5). Cost AI's advantage is update cadence (every 3 days vs monthly). On price, ads and device support 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. Cost AI sells 4 in-app purchases, starting at $1.99 per 7 days. Krungthai NEXT asks for nothing beyond the download.

UpkeepUpdate frequency

Krungthai NEXT ships an update monthly, Cost AI every 3 days. The most recent releases landed on November 10, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
Krungthai NEXT versus Cost AI: the parameters behind the verdict, then further details
ParameterKrungthai NEXTCost AI
PriceFreeFree
Rating3.5 (200 ratings) — better—
Positive reviews13.0% of reviews—
Number of ratings200 — better—
Update frequencyMonthlyEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better26.5
Further details — not scored
Size321 MB6 MB
Age rating4+17+
DeveloperKrung Thai BankNeo Schulz

Bugs and requests

Krungthai NEXT

Reported bugs

15 issues
  • Face scan fails repeatedly during registration
  • App crashes on iPhone 11 Pro Max and newer models
  • Login screen hangs indefinitely
  • Service unavailable errors during peak times
  • Face detection always returns error
Show 10 more
  • Cannot process transactions with error code 10003
  • App freezes on startup with logo
  • PIN entry not working on iOS 11+
  • Forced verification required after app updates
  • Face recognition incompatible with passport scanning
  • App incompatible with certain antivirus software
  • Cannot register with eSIM numbers
  • QR code payment functionality breaks after phone upgrade
  • Fund checking feature broken after updates
  • Transaction details not displaying properly

Requested features

12 requests
  • Authenticator app instead of SMS codes for overseas users
  • Support for Thai names in recipient fields
  • Accessibility improvements for disabled users (font size adaptation)
  • Touch ID/biometric sign-in option
  • Numeric keypad layout for OTP and amount input
Show 7 more
  • English language option in app interface
  • Better fund movement reporting with historical data
  • NAV pricing and capital gain/loss information
  • Improved Travel Card functionality for international use
  • Ability to take screenshots of transactions
  • WiFi connectivity support
  • Offline mode capability

Cost AI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Krungthai NEXT

No in-app purchases

4 purchases

Cost AI

Subscriptions4
  • Cost AI Pro14 Days trial$1.997 Days
  • Cost AI Pro Monthly14 Days trial$4.991 Month
  • Cost AI Unlimited$4.997 Days
Show 1 more
  • Cost AI Pro Yearly14 Days trial$39.991 Year

Questions

Is Krungthai NEXT free?
Krungthai NEXT is free to download, with no in-app purchases.
Is Cost AI free?
Cost AI is free to download, with in-app purchases available.
Do Krungthai NEXT or Cost AI have ads?
Neither Krungthai NEXT nor Cost AI shows ads.
Which is updated more often, Krungthai NEXT or Cost AI?
Krungthai NEXT ships an update monthly, and Cost AI every 3 days. Most recently, Krungthai NEXT was updated on November 10, 2026 and Cost AI on November 5, 2026.

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