Optim System app vs Shoal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Optim System app
Read full descriptionHide full description
Personal and business online payments with competitive exchange rates, virtual cards, and secure money-management tools — all from one WeOpsy account Bank transfers and payments. Enjoy same-day execution on local transactions with a personalized IBAN, secure global reach through the SWIFT network, and instant access to newly issued virtual cards for seamless online spending
Shoal
Grow your savings while supporting sustainable global projects. Track your positive environmental impact and contribute to UN Sustainable Development Goals. Your savings are protected and help fund green initiatives.
- Earn returns on savings
- Support green and social projects
- Track CO2e avoidance
- Track clean water generation
- Contribute to UN SDGs
- FSCS protected savings
Read full descriptionHide 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
Verdict
The clearest difference is update cadence: Optim System app at every 9 days against Shoal's every 2 months. 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Optim System app ships an update every 9 days, Shoal every 2 months. Both last shipped on October 30, 2026.
| Parameter | Optim System app | Shoal |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | — | 90.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Every 9 days — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 44 MB | 149 MB |
| Age rating | 4+ | 4+ |
| Developer | Optim Systems, Ltd. | Algbra FS UK Limited |
In-app purchases
Optim System app
No in-app purchases
Shoal
No in-app purchases
