Shellpoint vs Recuria
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Shellpoint
Manage your mortgage conveniently online. View account details, make payments, and access important documents directly from your mobile device. Stay on top of your loan with easy-to-use tools.
- View loan account details
- Make one-time payments
- Schedule recurring payments
- Access statements and documents
- View recent account activity
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Shellpoint: Easily manage your mortgage online with the Shellpoint app. All in the palm of your hand you can view account details, select payment options, access important documents, and more! Download the Shellpoint app to: - View a snapshot of your current loan, including account details, recent activity, and payment info. - Make a one-time payment, view pending payments, or schedule recurring payments. - Access statements and documents. Who is Shellpoint Mortgage Servicing? Shellpoint Mortgage Servicing manages (or “services”) mortgage loans after mortgage lenders originate them. On behalf of lenders and investor clients, Shellpoint Mortgage Servicing accepts and processes mortgage payments from more than 1.7 million homeowners nationwide. In recent years the company has grown to become America’s 5th-largest non-bank mortgage servicer, with over 2,500 employees based out of offices in Florida, South Carolina, Texas, and Arizona.
Recuria
Manage recurring payments without linking bank accounts. Track subscriptions, forecast future spending, and receive timely renewal reminders to avoid surprise charges. Offers privacy-first data handling and detailed insights into your recurring expenses.
- Track recurring payments
- Forecast future spending
- Renewal reminders
- Privacy-first, no bank access
- Subscription health scores
- Category trend tracking
- Spend forecasting
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Stop surprise renewals. Recuria helps you track, forecast, and intelligently manage every recurring payment — without connecting your bank. PRIVACY-FIRST Your data stays on your terms. No bank access, no scraping, no credentials shared — ever. FREE FEATURES • Two subscriptions tracking • Monthly and annual spending totals • Renewal reminders before charges hit • Multi-currency support with automatic conversion • Category breakdowns PRO FEATURES ($5.99/month) • Spend forecasting (30, 90, 365 days) • Price change alerts • Budget guardrails (fixed amount or % of income) • Advanced analytics and smart insights • Guided Review Ritual — quarterly keep-or-cancel reviews • CSV and Excel export BUILT FOR YOUR PEACE OF MIND • Health scores for every subscription • Category trend tracking month-over-month • See exactly what you'll spend before it hits • No bank login required — 100% privacy-first • Data encrypted at rest and in transit Take control of your subscriptions. Terms of Use: https://recuria.io/terms
Screenshots
Verdict
The clearest difference is in-app purchases: Shellpoint at none against Recuria's 2. Shellpoint also leads on ratings volume (17K vs 2). Recuria's advantage is update cadence (every 5 days vs monthly). On price, rating, 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
Both are free to download. Recuria sells 2 in-app purchases, starting at $5.99 per month. Shellpoint asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 4.9 for Shellpoint against 5.0 for Recuria. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 2, so its average is the more settled of the two.
Shellpoint ships an update monthly, Recuria every 5 days. The most recent releases landed on October 1, 2026 and September 19, 2026 respectively.
| Parameter | Shellpoint | Recuria |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (17K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 55.0% of reviews | — |
| Number of ratings | 17K — better | 2 |
| Update frequency | Monthly | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 73 MB | 37 MB |
| Age rating | 4+ | 4+ |
| Developer | Newrez LLC | Zendi Labs LLC |
Customer experience
Shellpoint
Recuria
Bugs and requests
Shellpoint
Reported bugs
3 issues- Unable to access loan information
- Keyboard not working in app
- Login issues, unable to log in
Requested features
4 requests- Ability to set up and save multiple accounts
- Push notifications for due dates
- Clearer payment history breakdown
- Partial payment option
Recuria
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Shellpoint
No in-app purchases
Recuria
- Recuria Pro$5.991 Month
- Recuria Family$9.991 Month









