# HCB by Hack Club vs Raydient

The clearest difference is ratings volume: HCB by Hack Club at 82 against Raydient's 2. HCB by Hack Club also leads on iOS requirement (16.4 vs 18.6). Raydient's advantage is monetization model (free vs ad-supported). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for HCB by Hack Club against 5.0 for Raydient. That said, the two scores are not equally well evidenced: HCB by Hack Club has 82 ratings behind it against 2, so its average is the more settled of the two.

HCB by Hack Club ships an update every 6 weeks, Raydient every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | HCB by Hack Club | Raydient |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (82 ratings)](https://appshunter.io/ios/app/hcb-by-hack-club/id6465424810/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/raydient/id6762330991/reviews)** |
| Number of ratings | **82** | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 135 MB | 4 MB |
| Requires iOS | **16.4** | 18.6 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 12+ |
| Developer | [The Hack Foundation](https://appshunter.io/developer/1516204149) | [Brightside Finance Foundation](https://appshunter.io/developer/1893845668) |

## What reviewers say

### HCB by Hack Club

[App page](https://appshunter.io/ios/app/hcb-by-hack-club/id6465424810)

This nonprofit neobank app empowers local hackathons, clubs, and teams to manage funds, collect donations, and issue cards. It offers real-time transaction tracking, instant card management, and effortless receipt handling.

**Highlights:** Track organization balances and transactions, Instantly manage and issue cards, Effortless receipt tracking and uploading, Accept contactless donations on mobile, Real-time balance and transaction updates

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Raydient

[App page](https://appshunter.io/ios/app/raydient/id6762330991)

This financial toolkit helps students master their money through intentional spending, goal-oriented saving, and market education. Track expenses, monitor balances, and visualize savings progress with a risk-free stock market simulator.

**Highlights:** Intentional spending tracking, Goal-oriented saving visualization, Stock market simulator, Expense tracking, Balance monitoring, Market education

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HCB by Hack Club free?

HCB by Hack Club is free to download, with no in-app purchases.

### Is Raydient free?

Raydient is free to download, with no in-app purchases.

### Which has better reviews, HCB by Hack Club or Raydient?

Raydient is rated higher. HCB by Hack Club averages 4.9 out of 5 from 82 ratings, while Raydient averages 5.0 from 2 ratings.

### Do HCB by Hack Club or Raydient have ads?

Neither HCB by Hack Club nor Raydient shows ads.

### Which is updated more often, HCB by Hack Club or Raydient?

HCB by Hack Club ships an update every 6 weeks, and Raydient every 2 months. Most recently, HCB by Hack Club was updated on October 24, 2026 and Raydient on October 24, 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.*