Comparison

Bank Account vs Spending Tracker

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

Head to head
About

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.

Highlights
  • Manage multiple accounts
  • Total balance overview
  • Currency selection per account
  • Backup/restore transactions
  • Search transactions
  • Expense breakdown by category
  • Lock screen option
Features
Read full description

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 -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/

About

Spending Tracker

Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.

Highlights
  • Simple and intuitive interface
  • Flexible time period tracking (Weekly, Monthly, Yearly)
  • Budget mode with carry-over
  • Summary view of spending progress
  • Log expenses and income
  • Editable spending and income categories
  • Interactive charts and reports
Features
Read full description

Spending Tracker is the easiest and most user friendly Personal Finance App in the store. And best of all, it's free! The simple fact is, by tracking your spending you will be able to stick to a budget and therefore SAVE MONEY. So give it a try and have instant control over your spending! *** Features *** ------------------ √ Simple and intuitive user interface - helps you track your spending quickly and easily √ Flexible Time Periods - choose to track Weekly, Monthly or Yearly √ Budget Mode - optionally set a fixed budget amount to help you meet your spending targets - carry over any remaining budget to the next period √ Summary View - overview of your current spending progress - time travel backwards and forwards in time - see your main areas of spending √ Log Expense and Income - easy and quick transaction entry - sort by date, name or amount - repeat transactions daily, weekly or monthly (Pro Upgrade required) - export transactions (Pro Upgrade required) √ Categories - editable spending and income categories - choose a quality icon for each category √ Reports - easy visualisation of where your money goes - beautiful and interactive charts - view spending grouped by category - see the history of your spending

Screenshots

Bank Account4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is rating: Spending Tracker at 4.8 against Bank Account's 4.1. Spending Tracker also leads on ratings volume (19K vs 32) and review sentiment (95% vs 81%). Bank Account's advantage is iOS requirement (13.0 vs 15.5). On price, update cadence, 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. Bank Account sells 1 in-app purchase, starting at $0.99 per 3 months and Spending Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Spending Tracker holds the better App Store score, 4.8 against 4.1. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 32, so its average is the more settled of the two. Written reviews point the same way: 81% of Bank Account's written reviews are positive against 95% of Spending Tracker's.

UpkeepUpdate frequency

Bank Account ships an update every 3 months, Spending Tracker every 2 months. The most recent releases landed on September 5, 2026 and September 29, 2026 respectively.

Scorecard5 real differences · 5 level
Bank Account versus Spending Tracker: the parameters behind the verdict, then further details
ParameterBank AccountSpending Tracker
PriceFreeFree
Rating4.1 (32 ratings)4.8 (19K ratings) — better
Positive reviews80.8% of reviews94.6% of reviews — better
Number of ratings3219K — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Mac, Apple Watch — better
Requires iOS13.0 — better15.5
Further details — not scored
Size6 MB50 MB
Age rating4+4+
DeveloperHarden Consulting LLCMH Riley Ltd

Customer experience

Bank Account

All ratings32 ratings
Positive75.0%
Neutral12.5%
Negative12.5%
Written reviews78 reviews
Positive80.8%
Neutral6.4%
Negative12.8%

Spending Tracker

All ratings19,361 ratings
Positive96.7%
Neutral1.9%
Negative1.4%
Written reviews2,905 reviews
Positive94.6%
Neutral2.5%
Negative2.9%

User reviews

Bank Account

From 32 App Store ratings

What 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

Spending Tracker

From 19K App Store ratings

What we love

  • 👍 Easy to use
  • 📊 Helpful reports and charts
  • 💰 One-time fee for premium features
  • 🔁 Recurring transactions
  • 🗂️ Multiple accounts and categories

Room to improve

  • 🐛 Occasional syncing issues
  • 🔢 Lack of fortnightly budget option
  • 🗂️ Difficulty deleting unused categories
  • 💰 Paid upgrade required for some features
  • 📈 Limited budget tracking within categories

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
Show 11 more
  • 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
Show 15 more
  • 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

Spending Tracker

Reported bugs

2 issues
  • Transactions sometimes entered in wrong order
  • Backup and restore functionality not always reliable

Requested features

5 requests
  • Add ability to split transactions into multiple categories
  • Incorporate currency conversion and exchange rates
  • Allow family/shared account access and updates
  • Implement a 'Debt' category to track loan payments
  • Add option to take photos of receipts and attach to transactions

In-app purchases

1 purchases

Bank Account

Subscriptions1
  • Remove Ads$0.993 Months
1 purchases

Spending Tracker

One-time1
  • Pro Upgrade$2.99

Questions

Is Bank Account free?
Bank Account is free to download, with in-app purchases available.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Which has better reviews, Bank Account or Spending Tracker?
Spending Tracker is rated higher. Bank Account averages 4.1 out of 5 from 32 ratings, while Spending Tracker averages 4.8 from 19K ratings.
Do Bank Account or Spending Tracker have ads?
Both Bank Account and Spending Tracker show ads.
Which is updated more often, Bank Account or Spending Tracker?
Bank Account ships an update every 3 months, and Spending Tracker every 2 months. Most recently, Bank Account was updated on September 5, 2026 and Spending Tracker on September 29, 2026.

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