Comparison

Liberty App vs Currence

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

Head to head
About

Liberty App

Access financial information and stay connected with your accounts on the go. This application provides enhanced usability and mobility for authorized users to manage their financial data from any mobile device.

Highlights
  • Enhanced usability
  • User-friendly interface
  • Mobile access
  • Financial information management
  • Stay connected with accounts
Features
Read full description

Liberty offers the Axos Clearing LLC 'Liberty' Application to authorized users. Take the Power of Liberty with you and have the information to stay in touch with Liberty anytime and from anywhere. 
Key features of Liberty include: • Enhanced usability with a user experience that presents the viewer with the information they need • Mobility lets users access Liberty on any mobile device

About

Currence

This app helps users achieve financial freedom by providing a proven wealth-building philosophy. It allows you to save and build wealth while maintaining your current lifestyle, creating new passive income streams.

Highlights
  • Achieve financial freedom faster
  • Live fully today, comfortably tomorrow
  • Proven wealth-building philosophy
  • Build savings while maintaining lifestyle
  • Exclusive 'reservoir' account
  • Create passive income streams
  • Financial strategist guidance
Features
Read full description

Currence lets you spend and save smarter. Ensure you are in total control of your financial picture and put structure to your cash flow and achieve Financial Freedom Faster™. Our proprietary “Reservoir” account captures income before it gets spent. Plus, insights into your financial health give you the opportunity to create new passive income streams that can grow your wealth faster. Currence helps you maximize your savings and wealth 1. Get connected cash flow: Achieve better visibility and insights to your cash flow health when you connect all your accounts, plus competitive interest rates for faster returns than a traditional savings account. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. 2. Gain complete control: Streamline cash flow management alongside a financial professional or unlock effective money management on your own. 3. Grow effortless savings: Cultivate and integrate new income streams as savings increase, amplifying opportunities to invest in the future over time. Save first and spend later. Accumulate wealth. Step 1: If you have a financial advisor, they can invite you to the Currence platform so you both have full visibility of your savings and spending. Currence makes this easy as your income will flow through a central account we call a Reservoir. Step 2: Once you connect your bank account to the Currence app, watch your Reservoir organize your income and your spending, making it easy to save. Step 3: This then creates the opportunity for you to increase wealth accumulation with smarter spending and saving choices. Flip Your Flow® with Currence to easily control your net cash flow and save more. Financial Professionals recommend Currence because it creates transparency with clients. Gain even more confidence in recommendations from your advisor with shared cash flow visibility. Currence is how Smart Money Flows®. Download the app today and visit us at livecurrence.com to join the movement. Disclosure: Currence, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. There is no guarantee of accumulation and free cash flow. Non-deposit investment accounts linked to Currence are not FDIC insured and FDIC insurance does not protect you against Currence’s insolvency or bankruptcy.

Screenshots

Liberty App2 screens
Currence4 screens

Verdict

The call

The clearest difference is review sentiment: Currence at 88% against Liberty App's 0%. Currence also leads on rating (4.7 vs 2.0) and update cadence (monthly vs every 13 months). Liberty App's advantage is device support (3 vs 1). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Currence holds the better App Store score, 4.7 against 2.0. That said, the two scores are not equally well evidenced: Currence has 67 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 0% of Liberty App's written reviews are positive against 88% of Currence's.

UpkeepUpdate frequency

Liberty App ships an update every 13 months, Currence monthly. Both last shipped on October 14, 2026.

Scorecard5 real differences · 5 level
Liberty App versus Currence: the parameters behind the verdict, then further details
ParameterLiberty AppCurrence
PriceFreeFree
Rating2.0 (8 ratings)4.7 (67 ratings) — better
Positive reviews0.0% of reviews87.8% of reviews — better
Number of ratings867 — better
Update frequencyEvery 13 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.6 — better16.4
Further details — not scored
Size3 MB64 MB
Age rating4+4+
DeveloperTrust Company of AmericaCurrence

Customer experience

Liberty App

All ratings8 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews4 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Currence

All ratings67 ratings
Positive92.5%
Neutral1.5%
Negative6.0%
Written reviews41 reviews
Positive87.8%
Neutral4.9%
Negative7.3%

Bugs and requests

Liberty App

Not enough reviews yet to summarise bugs or requests.

Currence

Reported bugs

2 issues
  • Face ID option doesn't work on any devices
  • Server tends to lag

Requested features

5 requests
  • Instant transfer option
  • Scheduled money movements with bimonthly frequency
  • Smoother and less cumbersome login experience
  • App remains automatically logged on with Face ID verification
  • More functionality to be built out

In-app purchases

None

Liberty App

No in-app purchases

None

Currence

No in-app purchases

Questions

Is Liberty App free?
Liberty App is free to download, with no in-app purchases.
Is Currence free?
Currence is free to download, with no in-app purchases.
Which has better reviews, Liberty App or Currence?
Currence is rated higher. Liberty App averages 2.0 out of 5 from 8 ratings, while Currence averages 4.7 from 67 ratings.
Do Liberty App or Currence have ads?
Neither Liberty App nor Currence shows ads.
Which is updated more often, Liberty App or Currence?
Liberty App ships an update every 13 months, and Currence monthly. Most recently, Liberty App was updated on October 14, 2026 and Currence on October 14, 2026.

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