Comparison

Искра | БНБ vs Expense Tracker

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

Head to head
About

Искра | БНБ

Manage your finances with a user-friendly online banking app. Open accounts, make payments, exchange currency, and apply for loans easily. Track your spending and get 24/7 support.

Highlights
  • Open cards, accounts, and deposits
  • Make payments and transfers
  • Exchange currency at favorable rates
  • Manage accounts and cards
  • Apply for and pay off loans
  • Track finances with statements and history
  • Get online consultations 24/7
Features
Read full description

Искра — простой и удобный онлайн-банкинг от БНБ-Банка. Пользуйтесь банковскими услугами всего в пару кликов! С Искрой легко: - открывать карты, счета и вклады; - совершать платежи и денежные переводы; - менять валюту по выгодному курсу; - управлять счетами и картами; - оформлять кредиты и вносить оплату по ним; - контролировать движение финансов с помощью выписки и истории транзакций; - получать онлайн-консультации в любое время. Все, что нужно и даже больше — всегда под рукой: Карточки с манибэком — цифровые и пластиковые, оформляются за минуту. Цифровые доступны сразу: пополняйте и привязывайте их к электронному кошельку. Оплаты мгновенно отображаются в push-уведомлениях — узнавайте о них в режиме реального времени. Кредиты онлайн для любых целей. Получите ответ на заявку в течение часа! Вклады — мгновенное оформление и удобное пополнение. Обмен валюты — без очередей, прямо в телефоне. Пользуйтесь лучшим курсом при обмене между своими счетами. Платежи — создавайте удобные шаблоны, оплачивайте по QR-коду, отслеживайте операции мгновенно. Автооплата — настройте расписание для регулярных платежей, они будут проводиться автоматически. Переводы — с карты на карту, по номеру телефона, мгновенные платежи. Управляйте финансами легко! Поддержка — умный чат-бот на связи 24/7, а специалист — в один клик. Все это — сразу после регистрации в приложении. Просто попробуйте!

About

Expense Tracker

This app helps you understand where your money goes by tracking expenses and income. It offers features like multi-currency support, subscription tracking, and category budgets, all while prioritizing user privacy with data stored locally.

Highlights
  • Multi-currency support
  • Subscription tracking
  • Category budgets
  • 100% privacy
  • Lightning-fast entry
  • CSV export
  • Face ID / Touch ID protection
Features
Read full description

Where does your money actually go? Why is your account empty at the end of the month? Spendo gives you answers in seconds. A simple, private, and honest way to control your finances—no complexity, no bank connections, no third-party services. Why Spendo over other apps? - Multi-currency support — Track accounts in dollars, euros, rubles, tenge. Perfect for travelers and expats. - Subscription tracking — See all your recurring expenses (Netflix, Spotify, etc.) in one place. - Category budgets — Set limits for groceries, transport, entertainment. Watch your progress in real-time. - 100% privacy — Your data stays on your device. No servers, no tracking, no compromises. - Lightning-fast entry — Add an expense in 3 seconds. No forms, no extra steps. What's inside: - Unlimited expense and income categories - Recurring transactions (subscriptions, salary, rent) - Multi-currency accounts (USD, EUR, RUB, KZT, and more) - Category budgets and overall budget tracking - Analytics and charts by period - CSV export - Face ID / Touch ID protection - Dark mode - Works offline — no internet required With Spendo, you will: - Finally understand where every dollar goes - Stop wasting money on things you don't need - Save for what truly matters - Gain financial peace of mind - No complexity. No stress. No questions. Download Spendo and take control of your money today. Basic features are free. Premium unlocks everything.

Screenshots

Искра | БНБ4 screens
Expense Tracker4 screens

Verdict

The call

The clearest difference is review sentiment: Expense Tracker at 100% against Искра | БНБ's 15%. Expense Tracker also leads on rating (5.0 vs 2.0) and update cadence (every 4 days vs every 3 weeks). Искра | БНБ's advantage is in-app purchases (none vs 6) and ratings volume (41 vs 5). On price, ads, device support and iOS requirement 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. Expense Tracker sells 6 in-app purchases, starting at $2.99 per month. Искра | БНБ asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Expense Tracker holds the better App Store score, 5.0 against 2.0. That said, the two scores are not equally well evidenced: Искра | БНБ has 41 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 15% of Искра | БНБ's written reviews are positive against 100% of Expense Tracker's.

UpkeepUpdate frequency

Искра | БНБ ships an update every 3 weeks, Expense Tracker every 4 days. The most recent releases landed on September 25, 2026 and August 8, 2026 respectively.

Scorecard6 real differences · 4 level
Искра | БНБ versus Expense Tracker: the parameters behind the verdict, then further details
ParameterИскра | БНБExpense Tracker
PriceFreeFree
Rating2.0 (41 ratings)5.0 (5 ratings) — better
Positive reviews14.8% of reviews100.0% of reviews — better
Number of ratings41 — better5
Update frequencyEvery 3 weeksEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFreemium
DevicesiPhoneiPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size353 MB99 MB
Age rating17+4+
DeveloperBNB-BANK, OAOAkarys Turganbekuly

Customer experience

Искра | БНБ

All ratings41 ratings
Positive22.0%
Neutral2.4%
Negative75.6%
Written reviews81 reviews
Positive14.8%
Neutral2.5%
Negative82.7%

Expense Tracker

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Искра | БНБ

No in-app purchases

6 purchases

Expense Tracker

Subscriptions4
  • Monthly plan$2.991 Month
  • Annual Plan$8.991 Year
  • Yearly plan$8.991 Year
Show 1 more
  • Yearly plan7 Days trial$17.991 Year
One-time2
  • Lifetime Plan$14.99
  • Lifetime Plan$29.99

Questions

Is Искра | БНБ free?
Искра | БНБ is free to download, with no in-app purchases.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, Искра | БНБ or Expense Tracker?
Expense Tracker is rated higher. Искра | БНБ averages 2.0 out of 5 from 41 ratings, while Expense Tracker averages 5.0 from 5 ratings.
Do Искра | БНБ or Expense Tracker have ads?
Neither Искра | БНБ nor Expense Tracker shows ads.
Which is updated more often, Искра | БНБ or Expense Tracker?
Искра | БНБ ships an update every 3 weeks, and Expense Tracker every 4 days. Most recently, Искра | БНБ was updated on September 25, 2026 and Expense Tracker on August 8, 2026.

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