FNBOTN Mobile vs Subtle
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FNBOTN Mobile
Manage your finances on the go with this mobile banking application. Check account balances, review recent transactions, transfer funds between accounts, and pay bills directly from your smartphone. It offers convenient access to your banking needs anytime, anywhere.
- Check account balances
- View recent transactions
- Transfer funds between accounts
- Pay bills
- Revise scheduled payments
- Review paid bills
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Start banking wherever you are with FNBOTN Mobile! Available to all online banking customers of the First National Bank of Tennessee, FNBOTN Mobile allows you to check balances and recent transactions, transfer funds and pay bills, all from your phone. Available features include: Accounts - Check your latest account balance and search recent transactions by date, amount or check number. Transfers - Easily transfer cash between your accounts. Bill Pay - Pay new bills, revise bills scheduled to be paid, and review previously paid bills. All features may not be available in the tablet application.
Subtle
Effortlessly manage your recurring expenses by simply photographing bills and renewal notices. This app intelligently extracts subscription details, allowing you to review and track them without linking bank accounts or credit cards.
- Photo-based subscription tracking
- Automatic detail extraction
- Renewal alerts
- Categorization of expenses
- Multi-currency support
- No bank linking required
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Subtle is a private, photo-first subscription tracker for people who want to understand recurring payments without linking a bank account. Take a photo of a receipt, billing page, renewal email, or screenshot. Subtle reads the subscription name, amount, billing cycle, and next renewal date, then lets you review every field before saving. Track subscriptions without forms, spreadsheets, or card connections. What Subtle helps you do: - Track subscriptions and recurring payments in one place - Scan receipts, bills, renewal emails, and screenshots - Review detected details before anything is saved - See monthly subscription spending at a glance - Keep an eye on upcoming renewals - Get renewal reminders before charges arrive - Track categories like streaming, AI, music, cloud, productivity, and more - Edit, pause, or remove subscriptions anytime - Use multiple currencies for clearer monthly totals Subtle is built for the small charges that are easy to miss: app plans, software tools, streaming services, cloud storage, memberships, newsletters, and other monthly or yearly payments. No bank linking. No card connection. No long setup flow. Just photograph what charges you, review what Subtle found, and keep your subscriptions visible. Free to start: track up to 5 subscriptions and use 3 scans per month. Upgrade when you want unlimited subscriptions and scans. Privacy Policy: https://subtle.page/privacy/ Terms of Use (EULA): https://subtle.page/terms/
Screenshots
Verdict
The clearest difference is in-app purchases: FNBOTN Mobile at none against Subtle's 2. FNBOTN Mobile also leads on ratings volume (4.4K vs 1) and iOS requirement (15.0 vs 17.0). On price, rating, update cadence and ads 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. Subtle sells 2 in-app purchases, starting at $4.99 per month. FNBOTN Mobile asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 4.9 for FNBOTN Mobile against 5.0 for Subtle. That said, the two scores are not equally well evidenced: FNBOTN Mobile has 4.4K ratings behind it against 1, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 15, 2026 and October 8, 2026 respectively.
| Parameter | FNBOTN Mobile | Subtle |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (4.4K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 78.8% of reviews | — |
| Number of ratings | 4.4K — better | 1 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 148 MB | 7 MB |
| Age rating | 4+ | 4+ |
| Developer | First National Bank of Tennessee | Data-Traces LLC |
Customer experience
FNBOTN Mobile
Subtle
Bugs and requests
FNBOTN Mobile
Reported bugs
3 issues- App not loading or freezing on launch
- Incorrect account balances or transaction details
- Inability to sign in or access certain features
Requested features
4 requests- Mobile check deposit
- Apple Pay integration
- Customizable account alerts
- Improved transaction history and reporting
Subtle
Not enough reviews yet to summarise bugs or requests.
In-app purchases
FNBOTN Mobile
No in-app purchases
Subtle
- Pro Monthly$4.991 Month
- Pro Yearly$39.991 Year
Questions
Is FNBOTN Mobile free?
Is Subtle free?
Which has better reviews, FNBOTN Mobile or Subtle?
Do FNBOTN Mobile or Subtle have ads?
Which is updated more often, FNBOTN Mobile or Subtle?
Other comparisons
