Comparison

Primis Bank vs Phantom

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

Head to head
About

Primis Bank

Manage your business finances with an all-in-one digital banking app. Track transactions, manage cash flow, deposit checks remotely, and access 24/7 support. Enjoy accounts with interest or rewards, and benefit from no account, per-item, overdraft, or ATM fees.

Highlights
  • All-in-one digital banking
  • Transaction tracking
  • Cash flow management
  • Remote check deposit
  • 24/7 customer support
  • Interest-earning and rewards accounts
  • No fees (account, overdraft, ATM)
Features
Read full description

Banking should work around you. The Primis Bank Mobile app gives you secure access to your personal and business accounts in one convenient place. Whether you're managing day-to-day finances, running a business, or both, you can stay connected to your money anytime, anywhere. With the Primis Bank Mobile app, you can: • View account balances and transaction history • Deposit checks from your mobile device • Transfer money between accounts • Pay bills and schedule payments • Manage your debit card • Set up account alerts and notifications • Link and manage external accounts • Send and receive payments • View statements and account documents • Access ACH, wire, and payment services for eligible business accounts • Monitor account activity and approvals Built with security, convenience, and flexibility in mind, the Primis Bank Mobile app helps you manage your finances wherever life and business take you. MORE PERKS Pick from accounts that earn you interest or accounts that pay you back every time you buy something with your debit card. NO FEES. NO KIDDING. No account fees, no per-item fees, no over-draft fees, and no ATM Fees (ATM transactions at foreign (non-Primis) ATMs will be refunded to your account the business day your statement cycle ends.) BUDGET BETTER Open multiple accounts, and take advantage of free tools like cash flow analysis and competitive benchmarking. BANK FROM ANYWHERE Deposit checks and transfer funds from your phone. ADVANCED PROTECTION Your business' security is our priority. Primis is a Member FDIC and some accounts offer extended FDIC coverage (check out the terms on each one to learn more). We've also got your back with access to our knowledge hub so that you learn best practices when it comes to cyber security.

About

Phantom

This app helps you identify and cancel unwanted recurring charges by scanning your bank transactions. It provides tools to dispute wrongful charges and offers scripts for negotiating discounts with service providers. Prioritizes user privacy with an on-device scanning approach.

Highlights
  • Scan bank transactions for recurring charges
  • Identify unused subscriptions with Zombie Score
  • Generate EFTA-compliant dispute letters
  • Receive price increase alerts
  • Negotiation scripts for discounts
  • On-device scanning for privacy
Read full description

Charged for a subscription you forgot—or one you already canceled? Phantom helps you find it, cancel it, keep the proof, and build the case to fight the charge. No bank login. No Phantom server. Start free in about a minute. FIND THE MONEY LEAK Import a screenshot of your Apple subscriptions, a statement screenshot, or a bank CSV. Apple Vision reads images on your iPhone, or you can add anything manually. Phantom turns recurring charges into one clear list—without asking for your bank credentials. KNOW WHAT TO CUT Zombie Scores surface subscriptions that look unused, overpriced, or redundant. See what renews next, what costs the most, and where a cheaper plan, free alternative, or bundle you already own could replace it. CANCEL WITH PROOF Open the vendor’s real cancellation path and follow a focused checklist. Save the confirmation number, notes, or a screenshot in your private evidence locker. If another charge appears, your proof is ready. FIGHT UNWANTED CHARGES Create a structured dispute letter from your facts. If the merchant does not resolve it, build a chargeback packet with the timeline, evidence, and a script you can use when contacting your card issuer. Phantom prepares the materials; you stay in control and send them yourself. PAY LESS FOR WHAT YOU KEEP Use retention and downgrade guidance across 100+ popular services, apps, memberships, and products. Phantom shows service-specific tactics when reliable sources exist and a proven general script when they do not. PRIVATE BY DESIGN • No bank login or account aggregator • OCR and subscription analysis run on-device • No ads, tracking SDKs, or affiliate links • Optional Sign in with Apple syncs supported data through your private iCloud database • Your subscription data is never sent to a Phantom server START FREE Track your five highest-cost subscriptions, view one alert at a time, and create one dispute letter each month. PHANTOM PRO Unlock unlimited subscriptions, dispute letters and chargeback packets, full Zombie Score details, all alerts, the evidence locker, cancellation guidance, alternatives, and negotiation scripts. $3.99 monthly or $29.99 yearly. Subscriptions renew automatically unless canceled through your Apple ID settings. Avoid one $29.99 renewal and a year of Pro has paid for itself. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://kyle-zhai.github.io/Phantom/privacy.html

Screenshots

Primis Bank4 screens
Phantom4 screens

Verdict

The call

The clearest difference is rating: Phantom at 5.0 against Primis Bank's 3.7. Primis Bank's advantage is in-app purchases (none vs 2) and device support (3 vs 1). On price, update cadence, ads and iOS requirement 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. Phantom sells 2 in-app purchases, starting at $3.99 per month. Primis Bank asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Phantom holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 1 respectively.

UpkeepUpdate frequency

Primis Bank ships an update every 2 months, Phantom monthly. The most recent releases landed on October 21, 2026 and October 12, 2026 respectively.

Scorecard5 real differences · 4 level
Primis Bank versus Phantom: the parameters behind the verdict, then further details
ParameterPrimis BankPhantom
PriceFreeFree
Rating3.7 (3 ratings)5.0 (1 ratings) — better
Number of ratings3 — better1
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationAd-supported — betterSubscription
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size48 MB5 MB
Age rating4+4+
DeveloperPrimis Bank逸楠 翟

Customer experience

Primis Bank

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%

Phantom

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

In-app purchases

None

Primis Bank

No in-app purchases

2 purchases

Phantom

Subscriptions2
  • Phantom Pro$3.991 Month
  • Phantom Pro Annual$29.991 Year

Questions

Is Primis Bank free?
Primis Bank is free to download, with no in-app purchases.
Is Phantom free?
Phantom is free to download, with in-app purchases available.
Which has better reviews, Primis Bank or Phantom?
Phantom is rated higher. Primis Bank averages 3.7 out of 5 from 3 ratings, while Phantom averages 5.0 from 1 ratings.
Do Primis Bank or Phantom have ads?
Neither Primis Bank nor Phantom shows ads.
Which is updated more often, Primis Bank or Phantom?
Primis Bank ships an update every 2 months, and Phantom monthly. Most recently, Primis Bank was updated on October 21, 2026 and Phantom on October 12, 2026.

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