Comparison

Remium vs Shoal

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

Head to head
About

Remium

Manage your accounts, send payments, and exchange currencies with this secure and intuitive finance app. Track spending, generate statements, and control your cards from anywhere. Receive real-time notifications for all account activity.

Highlights
  • Consolidated account view
  • Real-time spending tracking
  • Domestic and international payments
  • Multi-currency management
  • Card freezing and unfreezing
  • Secure login with biometrics
Read full description

Take control of your finances with the Remium App. Manage your accounts, send payments, exchange currencies, and stay on top of your money – anytime, anywhere – with a secure and intuitive experience designed for your convenience. Effortless Account Management Access a consolidated view of all your accounts in one place. Track your spending and monitor your account activity in real time. Generate detailed transaction statements in CSV or PDF format with ease. Simplified Payments and Transfers Send and receive both domestic and international payments seamlessly. Enjoy fast, secure transfers between your accounts and external ones. Versatile Multi-Currency Accounts Instantly manage funds in over multiple currencies including GBP, EUR and USD to suit your needs. Enhanced Card Features Freeze and unfreeze your cards with a tap. Manage both physical and virtual cards effortlessly. View your card PIN securely. Report lost or stolen cards and block your card directly in the app. Personalized Experience Log in quickly and securely with Face ID, Touch ID, or your password. Stay informed with real-time notifications on payments and account activity. Support When You Need It Access our dedicated customer support team for assistance with any issue.

About

Shoal

Grow your savings while supporting sustainable global projects. Track your positive environmental impact, like CO2 avoidance and clean water generation, alongside your financial growth. Contribute to UN Sustainable Development Goals with FSCS-protected savings pots.

Highlights
  • Earn returns on savings
  • Support green and social projects
  • Track CO2e avoidance
  • Track clean water generated
  • Contribute to UN SDGs
  • FSCS protected savings
Read full description

Earn a great return on your savings as you help support a global portfolio of sustainable projects. Can you increase your savings as you help lower CO2? Shoal you can. - All in. 100% of your money helps support a global portfolio of green and social projects and companies². - Track your contribution. See the CO2e avoidance and clean water you help generate with your savings while growing your wealth². - Good for your wallet, good for the world. Contribute to a range of the United Nations' Sustainable Development Goals². All Savings Pots up to £85,000 are protected by FSCS³. - Shoal's mission Our mission is to empower people to achieve their financial goals while promoting environmental and social responsibility. — 1. Rates shown are indicative, latest rates are available in the Shoal App. Rates shown are annualised (AER). Returns on savings are repaid at the end of the savings term. 2. The impact of your savings is reflected in CO2 avoided or clean water generated, however these are benchmark statistics and do not guarantee that all products that your savings support directly contribute to the generation of clean water or reduction / avoidance of CO2 emissions. The Sustainable Finance portfolio against which your savings are referenced is provided by Standard Chartered Bank. Standard Chartered Bank is authorised by the PRA and regulated by the FCA (FRN 114276) and the PRA. For more information on the wider portfolio of sustainable projects and companies your savings help to support and how your impact is measured, read our FAQs. 3. For more information on how we ensure that your funds are kept safe at all times, read our FAQs.

Screenshots

Remium4 screens
Shoal3 screens

Verdict

The call

The clearest difference is update cadence: Remium at every 4 days against Shoal's every 2 months. On price, rating, ratings volume and ads 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Remium against 5.0 for Shoal. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

UpkeepUpdate frequency

Remium ships an update every 4 days, Shoal every 2 months. The most recent releases landed on August 25, 2026 and September 19, 2026 respectively.

Scorecard1 real difference · 9 level
Remium versus Shoal: the parameters behind the verdict, then further details
ParameterRemiumShoal
PriceFreeFree
Rating5.0 (1 ratings)5.0 (1 ratings)
Positive reviews—90.0% of reviews
Number of ratings11
Update frequencyEvery 4 days — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size50 MB132 MB
Age rating4+4+
DeveloperRemium LimitedAlgbra FS UK Limited

Customer experience

Remium

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Shoal

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews10 reviews
Positive90.0%
Neutral0.0%
Negative10.0%

In-app purchases

None

Remium

No in-app purchases

None

Shoal

No in-app purchases

Questions

Is Remium free?
Remium is free to download, with no in-app purchases.
Is Shoal free?
Shoal is free to download, with no in-app purchases.
Which has better reviews, Remium or Shoal?
Remium and Shoal are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do Remium or Shoal have ads?
Neither Remium nor Shoal shows ads.
Which is updated more often, Remium or Shoal?
Remium ships an update every 4 days, and Shoal every 2 months. Most recently, Remium was updated on August 25, 2026 and Shoal on September 19, 2026.

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