# Bank Account vs Spending Tracker

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.

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.

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.

Bank Account ships an update every 3 months, Spending Tracker every 2 months. The most recent releases landed on September 5, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Bank Account | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (32 ratings)](https://appshunter.io/ios/app/bank-account/id441685366/reviews) | **[4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews)** |
| Number of ratings | 32 | **19K** |
| Positive reviews | 80.8% of reviews | **94.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 6 MB | 50 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Harden Consulting LLC](https://appshunter.io/developer/366561891) | [MH Riley Ltd](https://appshunter.io/developer/409695800) |

## What reviewers say

### Bank Account

[App page](https://appshunter.io/ios/app/bank-account/id441685366)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $0.99 | per 3 months |

**What reviewers like**

- 👍 Simple and functional
- 👍 Easy data entry
- 👍 Not overcrowded with features
- 👍 Best thing since sliced bread
- 👍 Super organized

**What reviewers complain about**

- 🐛 Too much going on, becomes a hindrance
- 🐛 Forget to select 'save', no warning
- 🐛 Ledger can be off
- 🐛 Missing items with no notification
- 🐛 Inefficient workflow

**Reported bugs**

- Forget to select 'save', no warning
- Ledger can be off
- Missing items with no notification
- Unable to change dollar amount
- Doesn't work anymore

**Requested features**

- Simplify entry process
- Redesign to address 'save' issue
- Duplicate entry saved on exit
- See all accounts on one screen
- Reconcile each transaction


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker/id548615579)

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:** Family Sharing, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Upgrade | $2.99 | one-time |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Transactions sometimes entered in wrong order
- Backup and restore functionality not always reliable

**Requested features**

- 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


## Frequently asked 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 30, 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.*