Comparison

Banck (Cloud Expense Tracker) vs PennyDay

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

Head to head
About

Banck (Cloud Expense Tracker)

Manage your personal finances with this app that allows offline expense tracking and automatic cloud synchronization. Scan receipts, track multiple currencies, and set daily reminders to stay on top of your spending. It offers unlimited records and accounts for free.

Highlights
  • Offline expense tracking
  • Taiwan E-Invoice scanning
  • Cloud synchronization
  • Multi-currency support
  • Daily reminders
  • Unlimited records and accounts
Features
Read full description

Banck supports scanning Taiwan E-Invoice(Receipt) from v1.3! The iOS version of Banck supports fully functional offline usage. You can add your expense anytime even when having poor Internet connection or using airplane mode abroad. We will synchronize your data to our cloud service when available. All of your records are both kept in your device and our cloud website. Of course, you can access these records from any of you devices. - Add records offline and synchronize automatically in background - Scan Taiwan E-Invoice(Receipt) to add a record - Four types of accounts: cash, bank account, prepaid card, credit card - Transferring between accounts is available, such as deposit, withdraw, prepay or pay bill - 38 currencies available and automatically converted to your default currency (Check currency rates in "Setting" page) - Daily reminder: let us remind you if you forget to keep accounts - 100% free with unlimited records, accounts and categories - Show records in list and pie charts - Easy to use with our UI design! - Your data on our cloud server is backed up on a daily basis - Only 1 click is required to add a record since launched Start to keep your accounts today! *Mobile version of Banck supports almost all functionalities. However, some settings, such as periodical record, are available through our web version: https://banck.tw/

About

PennyDay

Manage your finances with a calendar-based budget planner and expense tracker. Visualize cash flow by day, track multiple accounts, and gain insights into spending trends. Personalize categories with emojis for a more intuitive financial overview.

Highlights
  • Calendar budgeting
  • Expense tracking
  • Multi-account support
  • Emoji category customization
  • Insights and reports
  • Privacy features
Features
Read full description

Track expenses in seconds and see your money day by day. PennyDay combines fast manual entry, a clear budget calendar, and useful spending insights—without linking a bank account. TRACK MONEY IN SECONDS • Record expenses, income, and transfers with a focused quick-add flow • Organize cash, bank, and credit card accounts in one place • Create categories that match the way you spend • Review and filter your complete transaction history SEE WHERE YOUR MONEY GOES • Read daily income and expenses directly from the calendar • Follow monthly cash flow, spending trends, and summaries • Compare category and account breakdowns • Spot recurring costs and understand your spending patterns PLAN WITHOUT THE COMPLEXITY • Set category budgets and keep an eye on progress • Schedule recurring entries for regular bills and income • Turn on reminders so logging stays part of your routine • Manage multiple manual accounts without bank connections PRIVATE AND IN YOUR CONTROL • Your financial records stay on your device by default • Protect the app with a passcode and Face ID where available • Create local snapshot backups and restore them when you choose • When iCloud is available, manual backup also saves an iCloud snapshot • Backup is user-controlled and is not real-time device sync PENNYDAY PRO Upgrade to remove ads and unlock unlimited recurring entries, additional category and tag budgets, rolling Analysis ranges, CSV export, automatic iCloud snapshot backup with longer retention, and additional photo attachments. PennyDay is built for people who want a fast, private way to understand everyday money without the setup and complexity of connected finance apps. Questions or feedback? Contact urcashfixer@gmail.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Banck (Cloud Expense Tracker)4 screens
PennyDay4 screens

Verdict

The call

The clearest difference is rating: Banck (Cloud Expense Tracker) at 4.4 against PennyDay's 3.7. Banck (Cloud Expense Tracker) also leads on in-app purchases (none vs 3) and ads (none vs shown). On price, ratings volume, update cadence 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. PennyDay sells 3 in-app purchases, starting at $1.99 per month. Banck (Cloud Expense Tracker) asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Banck (Cloud Expense Tracker) holds the better App Store score, 4.4 against 3.7. Both are backed by a comparable volume of ratings — 14 and 7 respectively. Written reviews point the same way: 93% of Banck (Cloud Expense Tracker)'s written reviews are positive against 73% of PennyDay's.

UpkeepUpdate frequency

Banck (Cloud Expense Tracker) ships an update weekly, PennyDay every 10 days. The most recent releases landed on October 4, 2026 and October 13, 2026 respectively.

Scorecard6 real differences · 4 level
Banck (Cloud Expense Tracker) versus PennyDay: the parameters behind the verdict, then further details
ParameterBanck (Cloud Expense Tracker)PennyDay
PriceFreeFree
Rating4.4 (14 ratings) — better3.7 (7 ratings)
Positive reviews92.5% of reviews — better72.7% of reviews
Number of ratings14 — better7
Update frequencyWeekly — betterEvery 10 days
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterAd-supported
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size16 MB76 MB
Age rating4+4+
DeveloperChung-Lun ChiangEFFENDY EKA SAPUTRA

Customer experience

Banck (Cloud Expense Tracker)

All ratings14 ratings
Positive85.7%
Neutral7.1%
Negative7.1%
Written reviews67 reviews
Positive92.5%
Neutral3.0%
Negative4.5%

PennyDay

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews22 reviews
Positive72.7%
Neutral4.5%
Negative22.7%

In-app purchases

None

Banck (Cloud Expense Tracker)

No in-app purchases

3 purchases

PennyDay

Subscriptions3
  • PennyDay Pro$1.991 Month
  • PennyDay Pro$3.993 Months
  • PennyDay Pro$11.991 Year

Questions

Is Banck (Cloud Expense Tracker) free?
Banck (Cloud Expense Tracker) is free to download, with no in-app purchases.
Is PennyDay free?
PennyDay is free to download, with in-app purchases available.
Which has better reviews, Banck (Cloud Expense Tracker) or PennyDay?
Banck (Cloud Expense Tracker) is rated higher. Banck (Cloud Expense Tracker) averages 4.4 out of 5 from 14 ratings, while PennyDay averages 3.7 from 7 ratings.
Do Banck (Cloud Expense Tracker) or PennyDay have ads?
PennyDay shows ads; Banck (Cloud Expense Tracker) does not.
Which is updated more often, Banck (Cloud Expense Tracker) or PennyDay?
Banck (Cloud Expense Tracker) ships an update weekly, and PennyDay every 10 days. Most recently, Banck (Cloud Expense Tracker) was updated on October 4, 2026 and PennyDay on October 13, 2026.

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