# iSpending HD vs CSB Monticello IA

The clearest difference is rating: CSB Monticello IA at 4.4 against iSpending HD's 3.6. CSB Monticello IA also leads on in-app purchases (none vs 1) and update cadence (monthly vs every 16 months). iSpending HD's advantage is review sentiment (58% vs 20%) and iOS requirement (8.0 vs 15.0). On price and ads there is nothing between them.

Both are free to download. iSpending HD sells 1 one-off in-app purchase. CSB Monticello IA asks for nothing beyond the download.

CSB Monticello IA holds the better App Store score, 4.4 against 3.6. That said, the two scores are not equally well evidenced: CSB Monticello IA has 104 ratings behind it against 14, so its average is the more settled of the two. Written reviews complicate that: 58% of iSpending HD's written reviews are positive against 20% of CSB Monticello IA's, so the app with the better star average is not the one people write more warmly about.

iSpending HD ships an update every 16 months, CSB Monticello IA monthly. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | iSpending HD | CSB Monticello IA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (14 ratings)](https://appshunter.io/ios/app/ispending-hd/id587654268/reviews) | **[4.4 (104 ratings)](https://appshunter.io/ios/app/csb-monticello-ia/id1249124695/reviews)** |
| Number of ratings | 14 | **104** |
| Positive reviews | **57.7% of reviews** | 20.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 16 months | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 14 MB | 116 MB |
| Requires iOS | **8.0** | 15.0 |
| Devices | iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Citizens State Bank Monticello Iowa](https://appshunter.io/developer/813612365) |

## What reviewers say

### iSpending HD

[App page](https://appshunter.io/ios/app/ispending-hd/id587654268)

This personal finance app helps you track income and expenses with customizable categories. View instant summaries, detailed graph reports, and search transactions easily. Secure your data with a passcode lock and export your records.

**Highlights:** Track income and expenses, Customizable spending categories, Instant daily, weekly, monthly, yearly summaries, Detailed graph reports, Transaction search, Passcode lock, Export transactions via email

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| iSpendingHD Pro | $19.99 | one-time |


### CSB Monticello IA

[App page](https://appshunter.io/ios/app/csb-monticello-ia/id1249124695)

Manage your finances on the go with this mobile banking app. Check balances, transfer funds between accounts, and pay bills securely from your device. Available to existing online banking customers.

**Highlights:** Check account balances, Search recent transactions, Schedule bill payments, View recent payments, Cancel scheduled payments, Transfer funds between accounts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is iSpending HD free?

iSpending HD is free to download, with in-app purchases available.

### Is CSB Monticello IA free?

CSB Monticello IA is free to download, with no in-app purchases.

### Which has better reviews, iSpending HD or CSB Monticello IA?

CSB Monticello IA is rated higher. iSpending HD averages 3.6 out of 5 from 14 ratings, while CSB Monticello IA averages 4.4 from 104 ratings.

### Do iSpending HD or CSB Monticello IA have ads?

Neither iSpending HD nor CSB Monticello IA shows ads.

### Which is updated more often, iSpending HD or CSB Monticello IA?

iSpending HD ships an update every 16 months, and CSB Monticello IA monthly. Most recently, iSpending HD was updated on October 24, 2026 and CSB Monticello IA on October 26, 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.*