Bank Account vs Checkbook
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Bank Account
This app helps you manage multiple bank accounts and track transactions locally on your device. It offers features like total balance overview, currency selection, and transaction backups to CSV or TXT files. It's designed for personal financial tracking and includes an optional ad-free subscription.
- Manage multiple accounts
- Total balance overview
- Currency selection per account
- Backup/restore transactions
- Search transactions
- Expense breakdown by category
- Lock screen option
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Note: this app keeps transactions locally on the device only, it does not sync or back up to the cloud automatically. Manual backups must be used. You can now backup your transactions to .csv or .txt file and restore from a back up! **All functionality is available for Free -NEW! Ability to use Siri to add a transaction -NEW! Ability to upload receipts to a transaction and auto import the value. Receipts are optionally saved on export -Manage multiple accounts! -Shows a 'Total' Balance of all accounts -Select the currency for each account -Backup your transactions to .csv or .txt file -Restore from a backup -Add 2 widget options to your Home Screen -Search for transactions -Overview of balance, by month or by year -Breakdown of expenses by category -Ability to add a lock screen with Face/Touch ID -Mark as Cleared -Prompts user and asks if a transaction is the starting balance, if a starting balance has not been created yet. -Simple to use -Perfect for anyone to track their transactions, from checks to debit card purchases. (Use for personal tracking of Bank Account balance only. Check monthly with real bank statement to verify transactions) A quarterly (every 3 months) subscription is available to remove ads for $.99 cents. Cancel anytime. Please view the End User License Agreement here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Checkbook
Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.
- Multiple account tracking
- Recurring transaction saving
- Fund transfers between accounts
- Export data in CSV, QIF, HTML
- Calendar view of transactions
- Reports and charts for expenses/income
- Passcode protection
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An easy & quick way to manage your daily finances, Checkbook keeps track of your credit card charges, cash expenditures...etc. With the Checkbook application, it can totally replace your paper checkbook. You can create multiple accounts, save recurring transactions, transfer funds, view reports & graphs, export data...etc. You can even search the transaction by crossing your finger on the calendar! All details of the Checkbook are well designed to provide an excellent experience. Designed and developed by polycents! FEATURES ※Export in CSV, QIF & HTML Formats -Export your transactions by email for use of desktop applications such as Excel, Quicken...etc. ※Calendar -Show all your monthly transactions as points on the calendar. -Filter transactions by tapping a date or selecting multiple dates on the calendar. ※Recurring Transactions -Save a transaction to be used repeatedly(daily, weekly, 2 weeks, monthly, tire monthly), without retyping all the details. ※Multiple Accounts -Track as many accounts as you need. ※Categories -Supports multiple categories with beautiful icons to choose from. ※Payee & Note -All the details you need to keep track of your transactions are including. ※Search -Quickly search for transactions by dates, name, payee, and category. -Search and edit transactions on the same screen. ※Transfer -Transfer funds from one account to another. ※Reconcile Transactions -Reconcile your transactions by editing cleared/un-cleared status ※Reports & Charts -Review all your expenses & income by category or account with beautiful graphs and reports. -Supports both bar and pie charts. -You can set the time period to daily, weekly, monthly & yearly. ※Passcode -Protects your private information. ※Currency -Supports multiple currencies. ※Elegant, Powerful & User-friendly interface # Subscription Details # - Monthly and annual subscriptions are available. - Payment will be charged to your iTunes account at confirmation of purchase. - Your subscription will automatically renew unless auto-renew is disabled at least 24 hours before the end of the current subscription period. - Automatic renewals will be charged at the same price you were originally charged for the subscription. - Subscriptions can be managed by going to Account Settings on the App Store after purchase. Terms of Use: https://www.iubenda.com/terms-and-conditions/42835851 Privacy Policy: https://www.iubenda.com/privacy-policy/42835851 Developer website:https://www.polycents.com If you have any problems or suggestions please send a mail to checkbook@appxy.com, you will get the response in a short time.
Screenshots
Verdict
The clearest difference is monetization model: Bank Account at free with in-app purchases against Checkbook's subscription. Bank Account also leads on review sentiment (80% vs 56%). Checkbook's advantage is ratings volume (14K vs 32) and rating (4.3 vs 4.0). On price, ads, in-app purchases 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
Both are free to download. Bank Account sells 1 in-app purchase, starting at $0.99 per 3 months and Checkbook sells 5 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
Checkbook holds the better App Store score, 4.3 against 4.0. That said, the two scores are not equally well evidenced: Checkbook has 14K ratings behind it against 32, so its average is the more settled of the two. Written reviews complicate that: 80% of Bank Account's written reviews are positive against 56% of Checkbook's, so the app with the better star average is not the one people write more warmly about.
Bank Account ships an update every 4 months, Checkbook every 6 weeks. The most recent releases landed on November 1, 2026 and November 10, 2026 respectively.
| Parameter | Bank Account | Checkbook |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (32 ratings) | 4.3 (14K ratings) — better |
| Positive reviews | 79.7% of reviews — better | 55.9% of reviews |
| Number of ratings | 32 | 14K — better |
| Update frequency | Every 4 months | Every 6 weeks — better |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases — better | Subscription |
| Best chart rank | — | #135 — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 5 MB | 122 MB |
| Age rating | 4+ | 4+ |
| Developer | Harden Consulting LLC | Beesoft Apps |
Customer experience
Bank Account
Checkbook
User reviews
Bank Account
From 32 App Store ratingsWhat we love
- 👍 Simple and functional
- 👍 Easy data entry
- 👍 Not overcrowded with features
- 👍 Best thing since sliced bread
- 👍 Super organized
Room to improve
- 🐛 Too much going on, becomes a hindrance
- 🐛 Forget to select 'save', no warning
- 🐛 Ledger can be off
- 🐛 Missing items with no notification
- 🐛 Inefficient workflow
Checkbook
From 14K App Store ratingsWhat we love
- 💻 Easy to use
- 📊 Helpful charts and reports
- 🔄 Seamless sync across devices
- 🧮 Convenient built-in calculator
- 🗂️ Ability to manage multiple accounts
Room to improve
- 🔍 Lacking advanced search/filtering
- 🔁 Recurring transactions issues
- 🔒 Concerns about data security
- 💰 Subscription model too expensive
- 📢 Intrusive ads in free version
Bugs and requests
Bank Account
Reported bugs
16 issues- Forget to select 'save', no warning
- Ledger can be off
- Missing items with no notification
- Unable to change dollar amount
- Doesn't work anymore
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- Not working after last upgrade
- Can't input transactions
- Not working
- Can't see the date
- Can't reconcile accounts
- Won't add info between phones
- Check number and payee in same box
- Crashes frequently
- Can't reconcile with wife's phone
- Secondary user can't reconcile
- Switching to secondary causes crash
Requested features
20 requests- Simplify entry process
- Redesign to address 'save' issue
- Duplicate entry saved on exit
- See all accounts on one screen
- Reconcile each transaction
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- Transfer between accounts easily
- Import/export capability
- Editable transactions
- See 'current' and 'cleared' balance per account
- Add transactions for the future (pending)
- Cleared function for bank statement balancing
- Separate entries for check number and payee
- iCloud support
- Note section for transactions
- Numerical passcode without enter button
- Recurring events
- Recurring transactions
- Notes section for more detail
- Password lock for security
- Categorize expenses
Checkbook
Reported bugs
4 issues- Account balances not updating correctly
- Transactions disappearing or duplicating
- Sync issues between devices
- App crashes or freezes after updates
Requested features
5 requests- Custom categories and icons
- Budgeting and forecasting tools
- Ability to attach receipts/photos
- Improved account organization options
- Automatic balance reconciliation
In-app purchases
Bank Account
- Remove Ads$0.993 Months
Checkbook
- Premium - 1 Month$0.991 Month
- Premium - 1 Year7 Days trial$7.991 Year
- Premium - 1 Year7 Days trial$8.991 Year
Show 1 moreShow fewer
- Premium - 1 Year7 Days trial$9.991 Year
- Upgrade to Checkbook Pro$9.99
Questions
Is Bank Account free?
Is Checkbook free?
Which has better reviews, Bank Account or Checkbook?
Do Bank Account or Checkbook have ads?
Which is updated more often, Bank Account or Checkbook?
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