# Искра | БНБ vs Expense Tracker

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.

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.

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.

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.

## The numbers

| Metric | Искра | БНБ | Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (41 ratings)](https://appshunter.io/ios/app/id6480586304/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/expense-tracker-spendo/id6736650564/reviews)** |
| Number of ratings | **41** | 5 |
| Positive reviews | 14.8% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | **Ad-supported** | Freemium |
| Size | 353 MB | 99 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [BNB-BANK, OAO](https://appshunter.io/developer/1378927320) | [Akarys Turganbekuly](https://appshunter.io/developer/1626436372) |

## What reviewers say

### Искра | БНБ

[App page](https://appshunter.io/ios/app/id6480586304)

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:** Apple Wallet

**In-app purchases:** none


### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-spendo/id6736650564)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly plan | $2.99 | per month |
| Annual Plan | $8.99 | per year |
| Yearly plan | $8.99 | per year |
| Yearly plan | $17.99 | per year |
| Lifetime Plan | $14.99 | one-time |
| Lifetime Plan | $29.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*