Comparison

MyFluent vs Keepfully

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

Head to head
About

MyFluent

Track your loan application's progress in real time and communicate directly with your dedicated case manager. Upload necessary documents and receive immediate status updates throughout the process.

Highlights
  • Real-time application progress tracking
  • Direct communication with Case Manager
  • View lender details
  • Immediate status updates
  • Document upload (P45, P60, payslips)
  • Identity verification via phone camera
Features
Read full description

MyFluent is a unique application that allows customers to view the progress of their loan application in real time and easily communicate with their dedicated Case Manager. MyFluent for iPhone is free to all Fluent Money customers. With MyFluent, you can: - Track your application by viewing your case notes in real time - Contact your Case Manager directly - View details about your lender - Receive immediate status updates - Upload requested documents such as P45, P60 or payslips - Verify your identity using the camera on your phone

About

Keepfully

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

Highlights
  • Track money and objects lent/borrowed
  • Organize by person with overview
  • Automatic loan reminders
  • Archive of returned loans
  • iCloud Sync and Siri support
  • Widgets and Shortcuts integration
Features
Read full description

Keepfully is a simple, powerful app designed to help you keep track of everything you lend or borrow – whether it’s money, books, tools, or just about anything else. Instead of relying on memory or scattered notes, Keepfully gives you a clear overview of your personal loans, helping you stay organized and avoid awkward moments. TRACK MONEY AND OBJECTS Keep track of money and objects you’ve lent to or borrowed from friends, family, or colleagues. Keepfully supports multiple currencies and lets you optionally add a location to each loan – perfect for remembering the context later. PERSONS OVERVIEW See exactly who owes what with the Persons tab, which lists all your saved people along with their loans. Mark favorites for quicker access and display them directly in the iPad’s sidebar. AUTOMATIC REMINDERS Never forget an open loan again. Enable automatic reminders to receive a notification after a customizable amount of time from the loan’s creation date. ARCHIVE The archive stores all returned loans, offering peace of mind and easy reference. Can’t remember if you paid your friend back that $50 from the other night? Just check the archive. SYSTEM INTEGRATION Keepfully is deeply integrated with Apple’s ecosystem. Enjoy seamless iCloud Sync, Widgets, Siri support, and full Shortcuts integration to streamline your experience across devices. PRO FEATURES • Unlimited Loans (2 active loans are free) • Track Object Loans • Reminder Notifications • Customizable Quick Entries (The Pro features require an additional in app purchase.)

Screenshots

MyFluent4 screens
Keepfully4 screens

Verdict

The call

The clearest difference is rating: MyFluent at 5.0 against Keepfully's 3.9. MyFluent also leads on review sentiment (92% vs 50%) and in-app purchases (none vs 1). Keepfully's advantage is ratings volume (30 vs 2) and device support (4 vs 2). On price, ads and iOS requirement 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. Keepfully sells 1 one-off in-app purchase. MyFluent asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

MyFluent holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: Keepfully has 30 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 92% of MyFluent's written reviews are positive against 50% of Keepfully's.

UpkeepUpdate frequency

MyFluent ships an update every 3 weeks, Keepfully every 3 months. The most recent releases landed on October 10, 2026 and September 24, 2026 respectively.

Scorecard7 real differences · 3 level
MyFluent versus Keepfully: the parameters behind the verdict, then further details
ParameterMyFluentKeepfully
PriceFreeFree
Rating5.0 (2 ratings) — better3.9 (30 ratings)
Positive reviews92.0% of reviews — better50.0% of reviews
Number of ratings230 — better
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPadiPhone, iPad, Apple Watch, Vision Pro — better
Requires iOS17.0 — better18.4
Further details — not scored
Size51 MB15 MB
Age rating4+4+
DeveloperFluent MoneyAlexander Kaessner

Customer experience

MyFluent

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews87 reviews
Positive92.0%
Neutral1.1%
Negative6.9%

Keepfully

All ratings30 ratings
Positive66.7%
Neutral10.0%
Negative23.3%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

MyFluent

Reported bugs

7 issues
  • Does not upload correctly
  • Email bounces back
  • Document tab doesn't work
  • App doesn't update in line with changes
  • New messages slow to appear
Show 2 more
  • Slow to show documents
  • Has to set up again on two occasions

Requested features

2 requests
  • Ability to complete forms online
  • Touch ID login

Keepfully

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MyFluent

No in-app purchases

1 purchases

Keepfully

One-time1
  • Keepfully Pro$2.99

Questions

Is MyFluent free?
MyFluent is free to download, with no in-app purchases.
Is Keepfully free?
Keepfully is free to download, with in-app purchases available.
Which has better reviews, MyFluent or Keepfully?
MyFluent is rated higher. MyFluent averages 5.0 out of 5 from 2 ratings, while Keepfully averages 3.9 from 30 ratings.
Do MyFluent or Keepfully have ads?
Neither MyFluent nor Keepfully shows ads.
Which is updated more often, MyFluent or Keepfully?
MyFluent ships an update every 3 weeks, and Keepfully every 3 months. Most recently, MyFluent was updated on October 10, 2026 and Keepfully on September 24, 2026.

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