# Banck (Cloud Expense Tracker) vs PennyDay

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.

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.

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.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 4, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Banck (Cloud Expense Tracker) | PennyDay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (14 ratings)](https://appshunter.io/ios/app/banck-cloud-expense-tracker/id597568624/reviews)** | [3.7 (7 ratings)](https://appshunter.io/ios/app/pennyday-expense-tracker/id1593342865/reviews) |
| Number of ratings | **14** | 7 |
| Positive reviews | **92.5% of reviews** | 72.7% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Weekly | Weekly |
| Monetization | **Free** | Ad-supported |
| Size | 16 MB | 76 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Chung-Lun Chiang](https://appshunter.io/developer/597568627) | [EFFENDY EKA SAPUTRA](https://appshunter.io/developer/1016446377) |

## What reviewers say

### Banck (Cloud Expense Tracker)

[App page](https://appshunter.io/ios/app/banck-cloud-expense-tracker/id597568624)

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:** macOS Compatibility

**In-app purchases:** none


### PennyDay

[App page](https://appshunter.io/ios/app/pennyday-expense-tracker/id1593342865)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PennyDay Pro | $1.99 | per month |
| PennyDay Pro | $3.99 | per 3 months |
| PennyDay Pro | $11.99 | per year |


## Frequently asked 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 weekly. Most recently, Banck (Cloud Expense Tracker) was updated on October 4, 2026 and PennyDay on October 17, 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.*