Comparison

PTSB vs NotSubs

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

Head to head
About

PTSB

Manage your finances conveniently and securely on the go. This app allows you to check balances, transfer funds, pay bills, and manage your cards. It provides quick access to account information and offers features for loan applications and opening new accounts.

Highlights
  • Quick Balance check
  • Secure login with PAN, TouchID/FaceID
  • Account balance and transaction history
  • Apply for loans and credit cards
  • Open savings and deposit accounts
  • Card management (freeze, report lost/stolen, replace)
  • Fund transfers and bill payments
  • Add card to Apple Wallet
Features
Read full description

The PTSB app is a secure, fast and easy way to bank on the go. It offers a great range of features to make accessing your money and controlling your finances effortless, giving you the time and peace of mind to get on with your life! If you’re a PTSB customer who’s registered for Open24 Online Banking you can enjoy: Simple and easy access to your accounts: • Use Quick Balance to check your balance instantly without logging in • Log in quickly using your PAN (Personal Access Number) or TouchID / FaceID. • Quickly access the most used features. • Check your current and available account balances and other important information. • Access your recent, pending and historical transactions. • Apply for a Term Loan, Credit Card, or Overdraft. Open a Savings or Deposit Account: • Choose your daily debit card spending limit. • View eStatements. • Update Open24 desktop site password. • Freeze your Visa Debit or Credit Card. • Report your Visa Debit Card as lost/stolen and order replacement. • Replace your damaged Visa Debit Card. • View or unblock your Debit card PIN. • Quickly add your Visa Debit Card to your Apple Wallet Directly. • Block Gambling Transactions on your debit or credit card Banking on the go: • Instantly transfer between your accounts. • Transfer to your existing payees, and on tablet devices you can now add new payees. Schedule payments to be made at a future date. • Zippay: send and receive money using just a mobile number. • Send Emergency Cash to an ATM: you or a friend can collect funds from any PTSB ATM – without the need for a bank card (charges apply). • Make payments to existing bills and add new bills. Schedule bills to be paid at a future date. • Set up a standing order. • Transfer to your existing international SWIFT payees. These payees can only be set-up by visiting a PTSB branch. • Manage payments i.e. view or edit details for existing payees, bill payments, standing orders, direct debits and future dated payments. Accessing the app: • To log in to the PTSB app you’ll need to be a PTSB customer who is registered for Open24 Online Banking. To register for Open24 call us now on 0818 50 24 24 or +353 1 212 4101. • To access some features you’ll need to enter a security code which you’ll receive via SMS to your registered mobile phone number. The following country codes are excluded from this service +53 Cuba, +98 Iran, +964 Iraq, +95 Myanmar, +963 Syria, +249 Sudan, +850 North Korea. If you are not receiving your code, or to register or change your mobile number, call us now on 0818 50 24 24 or +353 1 212 4101. Terms and conditions apply. Find out more at https://www.ptsb.ie/everyday-banking/ways-to-bank/mobile-and-app-banking/ Permanent TSB plc trading as PTSB and PTSB Asset Finance is regulated by the Central Bank of Ireland. Permanent TSB plc is a public limited company incorporated in Ireland. Registered number: 222332. Registered Office: 56-59 St. Stephen’s Green, Dublin 2, D02 H489, Ireland. Permanent TSB plc is tied to Irish Life Assurance plc for life and pensions products. Irish Life Assurance plc is regulated by the Central Bank of Ireland.

About

NotSubs

Easily track all your recurring expenses in one place without needing an account or bank access. See costs, renewal dates, and total spending to stay organized and in control of your subscriptions.

Highlights
  • Add and organize subscriptions
  • Track custom billing cycles
  • View total subscription spending
  • See upcoming renewal dates
  • Organize by category
  • Light and dark themes
Features
Read full description

No account. No bank access. No complicated budgeting. Just add a subscription, see what it costs, and know when it renews. !Subs keeps every recurring charge visible in one simple place. ## WHY IT'S THIS SIMPLE Subscriptions are easy to forget. A few small monthly payments can quickly turn into a surprisingly large yearly expense — especially when you're paying for services you no longer use. !Subs is built to make those recurring payments visible without turning subscription tracking into another complicated financial app. Add a subscription. See what it costs. Know when it renews. That's it. ## WHAT IT ACTUALLY DOES • Add and organize your subscriptions in seconds • Track monthly, yearly, or custom billing cycles • See your total subscription spending • View your upcoming subscription renewals • See how much each subscription costs over time • Organize subscriptions by category • Keep track of active subscriptions in one place • Quickly find and manage your subscriptions • Beautiful light and dark themes ## KNOW WHAT YOU'RE PAYING FOR It's easy to remember the big subscriptions. It's the small ones that add up. !Subs gives you a clear overview of your recurring expenses so you can see exactly how much your subscriptions are costing you each month and each year. No guessing. No mental math. Just a clear picture of your recurring spending. ## NEVER FORGET A RENEWAL Subscriptions don't always renew when you expect them to. !Subs helps you keep upcoming renewal dates visible so you can stay aware of what's coming next. Know what's renewing. Know when it's renewing. Decide whether you still need it. ## KEEP EVERYTHING IN ONE PLACE Streaming services. Cloud storage. Productivity apps. Fitness memberships. AI tools. Gaming services. And everything else you pay for regularly. !Subs gives you one simple place to keep track of them all. ## YOUR SUBSCRIPTIONS. YOUR DATA. !Subs is designed with privacy in mind. Your subscription information doesn't need an account or social profile. Your data stays under your control. Because tracking your subscriptions shouldn't require giving up your privacy. ## WHO THIS IS FOR !Subs is for people who want to know where their recurring money is going. Not another complicated budgeting app. Not another financial dashboard. Not another service that needs to know everything about you. Just a simple subscription tracker that helps you stay organized and in control. Because recurring expenses are easier to manage when you can actually see them. --- ### PREMIUM FEATURES Subscription Pro Tracker !Subs is free to download and includes everything you need to start tracking your subscriptions. Upgrade to **!Subs Pro** to unlock additional features, including: • Advanced subscription tracking • Advanced spending insights • Additional customization options • Premium widgets • Advanced organization features • Future premium features and improvements Choose the option that works best for you: • Free — Get started with essential subscription tracking • Lifetime Premium — Pay once. Own it forever. Payment for Lifetime Premium will be charged to your Apple ID account at confirmation of purchase. Lifetime Premium is a one-time, non-consumable purchase that can be restored on any device using the same Apple ID. Already purchased? Use **Restore Purchases** inside the app to recover your Premium access at any time. --- Subscription Pro Tracker !Subs is not affiliated with any brands shown. Logos are for identification only. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://theamit10.github.io/notsubs-legal/privacy-policy

Screenshots

PTSB4 screens
NotSubs4 screens

Verdict

The call

The clearest difference is review sentiment: NotSubs at 100% against PTSB's 9%. NotSubs also leads on rating (5.0 vs 3.3). PTSB's advantage is in-app purchases (none vs 1) and ratings volume (52 vs 1). On price, ads and device support 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. NotSubs sells 1 one-off in-app purchase. PTSB asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

NotSubs holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: PTSB has 52 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 9% of PTSB's written reviews are positive against 100% of NotSubs's.

UpkeepUpdate frequency

PTSB ships an update every 3 weeks, NotSubs every 2 months. The most recent releases landed on October 20, 2026 and October 25, 2026 respectively.

Scorecard7 real differences · 3 level
PTSB versus NotSubs: the parameters behind the verdict, then further details
ParameterPTSBNotSubs
PriceFreeFree
Rating3.3 (52 ratings)5.0 (1 ratings) — better
Positive reviews9.5% of reviews100.0% of reviews — better
Number of ratings52 — better1
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better26.2
Further details — not scored
Size171 MB25 MB
Age rating4+4+
Developerpermanent tsbAmit Prasad

Customer experience

PTSB

All ratings51 ratings
Positive56.9%
Neutral2.0%
Negative41.2%
Written reviews74 reviews
Positive9.5%
Neutral6.8%
Negative83.8%

NotSubs

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

PTSB

Reported bugs

44 issues
  • Cannot get into account
  • Verify phone number, then nothing
  • App refused to move past login screen
  • Every time I log in there are issues
  • App not working
Show 39 more
  • App stops working
  • Online on chrome gives an error
  • Can't login for 24h because of new SIM
  • Functionality issue, never access accounts
  • App has been broken for weeks
  • Cannot get access to money
  • App randomly freezes
  • App says error and will not let me login
  • App closes after loading PTSB screen
  • App literally does not work
  • Glitchiest app on phone
  • Delete and install app over and over
  • Need to open and close app multiple times to sign in
  • Unable to log in most of the time
  • Locked out of account due to no notifications
  • Not showing up in notification tab
  • App crashes as soon as I try to open it
  • App has crashed or failed to login for weeks
  • App stopped working in last couple of weeks
  • Working fine initially but not working again
  • Keeps crashing when trying to open
  • New update without testing, cannot access account
  • Registering phone keeps crashing
  • Cannot access account details
  • App opens for a few seconds then crashes
  • App keeps crashing
  • App won't run since update
  • Latest update crashes on phone
  • Crashes on opening every time
  • Literally just crashes now
  • Update was annoying
  • Sim has been swiped after update
  • App wouldn't work
  • Web based access removed
  • Impossible to access app without Irish cell
  • App not optimized or updated in years
  • App takes forever to load to actual login page
  • Login ID wiped from screen on mis-type
  • Locked out of online banking if debit card not on hand

Requested features

22 requests
  • Touch ID / Face ID / Biometric login
  • Improve transaction navigation
  • Allow viewing older transactions
  • Fix transaction filter
  • Add Face ID
Show 17 more
  • Add Touch ID
  • Enable Touch ID
  • Implement fingerprint authentication
  • Support for newer iOS versions
  • Mobile top up options
  • Show pending transactions
  • Modern app design
  • Simplify login
  • Improve usability
  • Update app periodically
  • Add live chat or electronic communication
  • Enable Touch ID Please!!
  • Show account balance on login screen
  • Clearer display of transactions
  • Faster login process
  • Add Three to mobile top up
  • Show pending transactions like website

NotSubs

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PTSB

No in-app purchases

1 purchases

NotSubs

One-time1
  • lifetime_unlock$19.99

Questions

Is PTSB free?
PTSB is free to download, with no in-app purchases.
Is NotSubs free?
NotSubs is free to download, with in-app purchases available.
Which has better reviews, PTSB or NotSubs?
NotSubs is rated higher. PTSB averages 3.3 out of 5 from 52 ratings, while NotSubs averages 5.0 from 1 ratings.
Do PTSB or NotSubs have ads?
Neither PTSB nor NotSubs shows ads.
Which is updated more often, PTSB or NotSubs?
PTSB ships an update every 3 weeks, and NotSubs every 2 months. Most recently, PTSB was updated on October 20, 2026 and NotSubs on October 25, 2026.

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