Comparison

Shellpoint vs Recuria

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

Head to head
About

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.

Highlights
  • View loan account details
  • Make one-time payments
  • Schedule recurring payments
  • Access statements and documents
  • View recent account activity
Features
Read full description

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.

About

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.

Highlights
  • Track recurring payments
  • Forecast future spending
  • Renewal reminders
  • Privacy-first, no bank access
  • Subscription health scores
  • Category trend tracking
  • Spend forecasting
Features
Read full description

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

Shellpoint3 screens
Recuria3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Recuria sells 2 in-app purchases, starting at $5.99 per month. Shellpoint asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Shellpoint ships an update monthly, Recuria every 5 days. The most recent releases landed on October 1, 2026 and September 19, 2026 respectively.

Scorecard4 real differences · 6 level
Shellpoint versus Recuria: the parameters behind the verdict, then further details
ParameterShellpointRecuria
PriceFreeFree
Rating4.9 (17K ratings)5.0 (2 ratings) — better
Positive reviews55.0% of reviews—
Number of ratings17K — better2
Update frequencyMonthlyEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size73 MB37 MB
Age rating4+4+
DeveloperNewrez LLCZendi Labs LLC

Customer experience

Shellpoint

All ratings17,141 ratings
Positive98.1%
Neutral1.2%
Negative0.7%
Written reviews100 reviews
Positive55.0%
Neutral5.0%
Negative40.0%

Recuria

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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

None

Shellpoint

No in-app purchases

2 purchases

Recuria

Subscriptions2
  • Recuria Pro$5.991 Month
  • Recuria Family$9.991 Month

Questions

Is Shellpoint free?
Shellpoint is free to download, with no in-app purchases.
Is Recuria free?
Recuria is free to download, with in-app purchases available.
Which has better reviews, Shellpoint or Recuria?
Recuria is rated higher. Shellpoint averages 4.9 out of 5 from 17K ratings, while Recuria averages 5.0 from 2 ratings.
Do Shellpoint or Recuria have ads?
Neither Shellpoint nor Recuria shows ads.
Which is updated more often, Shellpoint or Recuria?
Shellpoint ships an update monthly, and Recuria every 5 days. Most recently, Shellpoint was updated on October 1, 2026 and Recuria on September 19, 2026.

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