Comparison

DECTA Merchant vs Shoal

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

Head to head
About

DECTA Merchant

Features
Read full description

DECTA's Digital Banking App is the key to unlocking modern B2B banking solutions. We provide businesses with a comprehensive digital banking platform, accessible on smartphones and tablets. Gain complete control over your business finances, anytime, anywhere. Seamlessly Integrated Mobile Banking: Our secure mobile banking seamlessly integrates with your online banking. Activate mobile banking easily through Internet banking, ensuring a smooth transition between platforms. All Your Business Finances in One Place: DECTA's mobile app offers a wide array of tailored financial services and products designed for businesses. Keep a close eye on business accounts, loans, securities, and more in one user-friendly interface. Effortless Business Transfers: Streamline domestic and international transfers for your business. Make fund transfers, set up recurring payments, and manage your business finances efficiently. Transaction Tracking Made Easy: Track business transactions with ease. Search and filter by date, amount, and account details. Stay in control of your business's financial operations. Customized Business Administration: Tailor your business banking experience with features like PIN activation, and transaction locks. Secure Your Business Cards: Enhance security by locking and unlocking your business debit or credit cards directly from the app. Personalized Settings: Tailor mobile banking preferences and receive business news updates aligned with your business goals. ...and more. DECTA's Digital Banking App is designed exclusively for businesses, offering modern, efficient, and personalized banking services on any major mobile device.

About

Shoal

Grow your savings while supporting sustainable global projects. Track your positive environmental impact, like CO2 avoidance and clean water generation, alongside your financial growth. Contribute to UN Sustainable Development Goals with FSCS-protected savings pots.

Highlights
  • Earn returns on savings
  • Support green and social projects
  • Track CO2e avoidance
  • Track clean water generated
  • Contribute to UN SDGs
  • FSCS protected savings
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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

DECTA Merchant4 screens
Shoal3 screens

Verdict

The call

The clearest difference is update cadence: DECTA Merchant at every 3 weeks 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

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

DECTA Merchant ships an update every 3 weeks, Shoal every 2 months. The most recent releases landed on August 4, 2026 and September 19, 2026 respectively.

Scorecard1 real difference · 9 level
DECTA Merchant versus Shoal: the parameters behind the verdict, then further details
ParameterDECTA MerchantShoal
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—90.0% of reviews
Number of ratings—1 — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.1
Further details — not scored
Size98 MB132 MB
Age rating17+4+
DeveloperDecta LimitedAlgbra FS UK Limited

In-app purchases

None

DECTA Merchant

No in-app purchases

None

Shoal

No in-app purchases

Questions

Is DECTA Merchant free?
DECTA Merchant is free to download, with no in-app purchases.
Is Shoal free?
Shoal is free to download, with no in-app purchases.
Do DECTA Merchant or Shoal have ads?
Neither DECTA Merchant nor Shoal shows ads.
Which is updated more often, DECTA Merchant or Shoal?
DECTA Merchant ships an update every 3 weeks, and Shoal every 2 months. Most recently, DECTA Merchant was updated on August 4, 2026 and Shoal on September 19, 2026.

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