# Shellpoint vs Recuria

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.

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.

## The numbers

| Metric | Shellpoint | Recuria |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/recuria/id6759474913/reviews)** |
| Number of ratings | **17K** | 2 |
| Positive reviews | 55.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 5 days** |
| Monetization | **Free** | Freemium |
| Size | 73 MB | 37 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Newrez LLC](https://appshunter.io/developer/1435999021) | [Zendi Labs LLC](https://appshunter.io/developer/1878852826) |

## What reviewers say

### Shellpoint

[App page](https://appshunter.io/ios/app/shellpoint/id6443957708)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Straightforward payment process
- 👍 Convenient payment history
- 👍 Smooth system
- 👍 Easy payment service

**What reviewers complain about**

- 🐛 App crashes or doesn't load
- 🐛 Outdated and clunky interface
- 🐛 Slow performance
- 🐛 Lack of modern features
- 🐛 Unreliable customer service

**Reported bugs**

- Unable to access loan information
- Keyboard not working in app
- Login issues, unable to log in

**Requested features**

- Ability to set up and save multiple accounts
- Push notifications for due dates
- Clearer payment history breakdown
- Partial payment option


### Recuria

[App page](https://appshunter.io/ios/app/recuria/id6759474913)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Recuria Pro | $5.99 | per month |
| Recuria Family | $9.99 | per month |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*