ESL Mobile Banking vs ClearFinance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ESL Mobile Banking
Manage your finances on the go with this mobile banking app. Check balances, deposit checks, transfer funds, pay bills, and locate branches or ATMs securely and conveniently. Enjoy 24/7 access to your accounts from anywhere.
- Check account balances
- Deposit checks
- View transaction history
- Transfer funds
- Make bill payments
- Find branch and ATM locations
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Access your accounts 24/7 from anywhere with ESL Mobile Banking. It’s Free, Fast and Secure! With ESL Mobile Banking you can check your balances, deposit checks, view transaction history, transfer funds, or make bill payments. You can even find an ESL branch or ATM location nearest you! Peace of mind as you bank on the go. ESL Mobile Banking is as safe and secure as ESL Internet Banking. Your personal and confidential information are protected using industry standard technologies and security certificates. Experience the convenience of ESL. Download the ESL Mobile Banking app today! To learn how we protect your privacy, please visit https://www.esl.org/about-us/policies/privacy
ClearFinance
Manage your small business finances with this app. Track income, expenses, loans, and create professional invoices and estimates. Organize recurring bills and client information all in one place.
- Track income and expenses
- Manage loans and debts
- Organize recurring bills
- Create client lists
- Generate professional invoices
- Prepare project estimates
- AI-powered estimate builder
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ClearFinance is a simple finance and business management app for small business owners, freelancers, contractors, landlords, and independent professionals. Track income, expenses, loans, invoices, estimates, recurring bills, clients, and business details in one organized place. CashBooks Create separate CashBooks for different businesses, projects, households, or purposes. Record income and expenses with descriptions, dates, amounts, and payment details. Add people, search transactions, filter by person, review activity by month, and view total income, expenses, and net balance. Premium users can export CashBook records as CSV files. ClearFinance currently uses USD. Loans and LendBook Manage money you have lent or borrowed. Add borrower or lender details, record the original principal, add charges or fees, track payments and payment dates, see total paid, calculate remaining balances, review loan activity, and generate shareable loan invoice documents. Monthly Bills Organize recurring expenses such as rent, utilities, subscriptions, insurance, software, phone bills, internet, and loan payments. Save each bill’s name, amount, and due day, then view your expected monthly commitments in one place. Clients Create a client list with names and contact details. Connect clients to invoices and estimates so you can prepare professional documents without repeatedly entering the same information. Invoices Create professional invoices for products and services. Select a client, add multiple line items, enter descriptions and prices, calculate totals automatically, set invoice and due dates, add notes, and track draft, sent, accepted, declined, and expired invoices. Review invoices by month, see outstanding balances, and generate or share invoice documents. Estimates Prepare project pricing before work begins. Create blank estimates, select a client, add project items, descriptions, prices, dates, expiration dates, and notes. Track draft, sent, accepted, declined, and expired estimates, review monthly totals, and generate shareable estimate documents. AI Estimate Builder Create estimate line items faster with AI. Describe a project by typing, speaking, or attaching photos. AI can suggest services, materials, tasks, and prices. Review the transcript, edit item names and prices, remove unwanted items, review the total, and add approved items to a new estimate. AI suggestions are editable and should be reviewed before sharing with a customer. Dashboard and Business Profile The dashboard summarizes CashBook balances, loan balances, invoice totals, estimate totals, and monthly bills. Use search, filters, monthly views, status tracking, automatic totals, and balance calculations to find information quickly. Save your business name, address, phone number, and email for use in documents and reminders. Premium Features Premium includes unlimited CashBooks, cloud sync, unlimited loans, CSV export, invoice generation, AI Estimate Builder, voice-powered estimate creation, image-assisted estimate creation, and editable AI-generated estimate line items. ClearFinance helps you spend less time organizing finances and more time running your business.
Screenshots
Verdict
The clearest difference is update cadence: ClearFinance at every 10 days against ESL Mobile Banking's every 3 months. ClearFinance also leads on iOS requirement (15.1 vs 17.0). ESL Mobile Banking's advantage is ratings volume (36K vs 1). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ClearFinance holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: ESL Mobile Banking has 36K ratings behind it against 1, so its average is the more settled of the two.
ESL Mobile Banking ships an update every 3 months, ClearFinance every 10 days. The most recent releases landed on October 23, 2026 and October 17, 2026 respectively.
| Parameter | ESL Mobile Banking | ClearFinance |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (36K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 53.0% of reviews | — |
| Number of ratings | 36K — better | 1 |
| Update frequency | Every 3 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 179 MB | 48 MB |
| Age rating | 4+ | 4+ |
| Developer | ESL Federal Credit Union | Shafeek Almadrahi |
Customer experience
ESL Mobile Banking
ClearFinance
Bugs and requests
ESL Mobile Banking
Reported bugs
4 issues- Accounts not loading after updates
- Mobile deposit issues (check size, image recognition)
- Quick balance widget not working as expected
- Transactions disappearing and reappearing
Requested features
4 requests- Add Zelle functionality
- Improve mobile deposit process
- Provide more detailed transaction history
- Implement biometric authentication options
ClearFinance
Not enough reviews yet to summarise bugs or requests.
In-app purchases
ESL Mobile Banking
No in-app purchases
ClearFinance
No in-app purchases
Questions
Is ESL Mobile Banking free?
Is ClearFinance free?
Which has better reviews, ESL Mobile Banking or ClearFinance?
Do ESL Mobile Banking or ClearFinance have ads?
Which is updated more often, ESL Mobile Banking or ClearFinance?
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