Comparison

Ferry Pay vs Budgetfold

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

Head to head
About

Ferry Pay

Manage your finances, track spending, and earn rewards with this app. It offers real-time notifications, card management, and easy money transfers. Access a network of ATMs and explore local cashback offers.

Highlights
  • Real-time spending notifications
  • Card freezing and reissuance
  • Instant and standard money transfers
  • Personalized cashback offers
  • ATM locator
Features
Read full description

Flexible wage payouts for hospitality teams. The Ferry Mobile App is the easiest way to manage your money, earn rewards and track your spending, for Ferry Payroll Card account holders. The app is free to download and puts you in control with 24/7 access to your account and card management. App Features Real-time notifications to monitor your spending and quickly spot unauthorized transactions Freeze or cancel and reissue your card 24/7 for enhanced security Make instant or standard transfers anytime to anywhere in the US Explore personalized and local cash back offers available to you Use the map to find one of 40,000+ nearby in-network MoneyPass ATMs And more! Terms and conditions apply. See useferry.com for more details. Ferry is a financial technology company, not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC. Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc

About

Budgetfold

Features
Read full description

Budgetfold is a simple monthly budget for one person or a whole household. Add your income, plan spending categories, log expenses as they happen, and see where the month stands at a glance. SET UP IN A MINUTE Tell Budgetfold what comes in each month and pick your categories. It suggests amounts from your income, and you adjust anything. BUDGET TOGETHER Share a budget with your partner or roommates using a simple invite code. Everyone sees the same numbers in real time, and each entry shows who added it. CLEAR AT A GLANCE The overview shows income, planned spending, what's spent, and what remains, plus how you're doing compared with the same day last month. Category bars turn orange near the limit and red when you pass it. LOG SPENDING IN SECONDS Add an expense from the Home Screen widget, with Siri ("Add an expense in Budgetfold"), or with one tap in the app. Ask Siri how much is left this month. MONTHS THAT CARRY OVER Mark rent and subscriptions as repeating, and they're added to next month automatically, along with your categories. GENTLE REMINDERS Optional heads-ups when a category reaches 80% of its plan, and a reminder when a new month starts. BUDGETFOLD PLUS (OPTIONAL) Link your bank accounts in the US and Canada through Plaid, and new purchases land in the right category on their own. Payday deposits are spotted and added as income with one tap. Name your accounts, like "Joint checking", and reconnect a bank in seconds when it asks you to sign in again. One subscription covers everyone in the budgets you own; each person links only their own banks. Plus is $8.99 per month or $89.99 per year after a free 2-week trial. Payment is charged to your Apple ID and the subscription renews automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel in Settings. PRIVATE BY DESIGN No ads, no tracking. Bank linking is optional, your bank credentials never touch Budgetfold, and you can unlink a bank at any time. Delete your account and all of its data from inside the app. Sign in with Apple, Google, or email. Privacy policy: https://familybudget-83803.web.app/privacy Terms of use: https://familybudget-83803.web.app/terms

Screenshots

Ferry Pay4 screens
Budgetfold4 screens

Verdict

The call

The clearest difference is update cadence: Budgetfold at every 4 days against Ferry Pay's every 2 weeks. Ferry Pay's advantage is iOS requirement (15.1 vs 17.0). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Ferry Pay ships an update every 2 weeks, Budgetfold every 4 days. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 8 level
Ferry Pay versus Budgetfold: the parameters behind the verdict, then further details
ParameterFerry PayBudgetfold
PriceFreeFree
Rating4.7 (898 ratings) — better—
Positive reviews47.9% of reviews—
Number of ratings898 — better—
Update frequencyEvery 2 weeksEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size36 MB24 MB
Age rating17+4+
DeveloperFerry Pay Inc.Dean Gergoric

Bugs and requests

Ferry Pay

Reported bugs

4 issues
  • White screen issues when logging in
  • Endless loops when trying to transfer money
  • Account access problems after phone changes
  • Incorrect transaction amounts and charges

Requested features

4 requests
  • Add savings account feature
  • Improve login and account management experience
  • Integrate with popular payment platforms like Apple Pay
  • Enhance customer support and response times

Budgetfold

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Ferry Pay

No in-app purchases

None

Budgetfold

No in-app purchases

Questions

Is Ferry Pay free?
Ferry Pay is free to download, with no in-app purchases.
Is Budgetfold free?
Budgetfold is free to download, with no in-app purchases.
Do Ferry Pay or Budgetfold have ads?
Neither Ferry Pay nor Budgetfold shows ads.
Which is updated more often, Ferry Pay or Budgetfold?
Ferry Pay ships an update every 2 weeks, and Budgetfold every 4 days. Most recently, Ferry Pay was updated on November 7, 2026 and Budgetfold on October 31, 2026.

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