Comparison

Lodin vs Referencefee

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

Head to head
About

Lodin

This personal finance assistant helps you manage all your bank accounts in one place, track spending, and forecast patterns. It offers personalized advice, budget creation, and instant money transfers. Receive AI-generated insights to understand your financial habits.

Highlights
  • Account aggregation
  • Automatic transaction categorization
  • Real-time spending tracking
  • Personalized budgeting
  • AI-generated financial insights
  • Instant money transfers
Features
Read full description

Much more than a payment application, Lodin is your personal financial assistant that supports you on a day-to-day basis by offering you personalized advice based on your objectives, while at the same time forecasting your spending patterns. Authorized and regulated by the Banque de France and the ACPR (under number 17758) Lodin is a member of the French Association of Payment Institutions (AFEPAME.) Robust security and confidentiality measures: - Lodin complies with the most stringent security standards, including ISO 27001, PCI-DSS and SOC 2. - Hosted on Amazon Web Services (AWS), a reliable and efficient cloud platform for high-level computing. - Data encryption to ensure the protection of sensitive data and applications hosted on its platform. - Uses advanced authentication methods, such as facial recognition, fingerprint, and access code. Lodin offers a range of fluid, easy-to-use features that enable you to: - View, manage, and control all your bank accounts in a single application. (Thanks to Lodin's account aggregation, you have access to a detailed dashboard of all your expenses from different bank accounts.) - Automatically categorize your transactions (food, shopping, health, transportation, housing, etc.). - Track your spending in real-time. No need to manually record your expenses, each transaction automatically appears on Lodin for simple and effective analysis. - Create personalized budgets by category, set a spending limit, and receive an alert when you exceed the limit you set yourself. - Access detailed analyses based on your spending habits and savings targets. - Get an overview of your income and expenditure, as well as the evolution of your balance. - Understand your insights thanks to stories generated by artificial intelligence based on your data. - Send and receive money instantly and securely using QR codes or payment links that can be shared easily on your favorite social networks. Compatible with over 3,000 European financial institutions throughout Europe: Allianz bank Arkéa Axa bank Banque BCP Banque BTP Banque Chalus Banque de Savoie Banque Populaire BNP Paribas Bas Banque Postale Credit Agricole CIC Fortuneo Hello Bank Societe Generale …. Transform the way you manage your finances with the open banking app, Lodin.

About

Referencefee

Features
Read full description

Maximize your crypto earnings with ReferenceFee – the smart way to earn cashback from your trading activity. ReferenceFee helps you collect USDT rewards by using verified referral links for top crypto exchanges. Instead of paying full trading fees, get a portion of them back automatically. It’s simple, secure, and rewarding. Key Features: Track your cashback rewards in real-time Access verified referral links for major exchanges Compare cashback rates and exchange features Get notified of new campaigns and bonuses Your data stays private – no exchange login required Whether you're a casual trader or a pro, ReferenceFee puts money back in your wallet.

Screenshots

Lodin4 screens
Referencefee3 screens

Verdict

The call

Lodin and Referencefee are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

ScorecardNo meaningful differences
Lodin versus Referencefee: the parameters behind the verdict, then further details
ParameterLodinReferencefee
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 5 days—
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS11.0 — better12.0
Further details — not scored
Size29 MB33 MB
Age rating4+4+
DeveloperEffyis GroupReferencefee OÜ

In-app purchases

None

Lodin

No in-app purchases

None

Referencefee

No in-app purchases

Questions

Is Lodin free?
Lodin is free to download, with no in-app purchases.
Is Referencefee free?
Referencefee is free to download, with no in-app purchases.
Do Lodin or Referencefee have ads?
Neither Lodin nor Referencefee shows ads.

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