# SepagaBanking vs XFlow

The clearest difference is in-app purchases: SepagaBanking at none against XFlow's 1. SepagaBanking also leads on update cadence (every 3 weeks vs every 4 months). XFlow's advantage is iOS requirement (13.0 vs 15.0). On price, ads and device support there is nothing between them.

Both are free to download. XFlow sells 1 in-app purchase, starting at $3.99 per month. SepagaBanking asks for nothing beyond the download.

SepagaBanking ships an update every 3 weeks, XFlow every 4 months. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | SepagaBanking | XFlow |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Size | 42 MB | 42 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Cellock Ltd](https://appshunter.io/developer/548332382) | [Lakiasiaintoimisto Palmgren Oy](https://appshunter.io/developer/1830802498) |

## What reviewers say

### SepagaBanking

[App page](https://appshunter.io/ios/app/sepagabanking/id6612032514)

**Features:** macOS Compatibility

**In-app purchases:** none


### XFlow

[App page](https://appshunter.io/ios/app/xflow/id6749501636)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Tilaus | $3.99 | per month |


## Frequently asked questions

### Is SepagaBanking free?

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

### Is XFlow free?

XFlow is free to download, with in-app purchases available.

### Do SepagaBanking or XFlow have ads?

Neither SepagaBanking nor XFlow shows ads.

### Which is updated more often, SepagaBanking or XFlow?

SepagaBanking ships an update every 3 weeks, and XFlow every 4 months. Most recently, SepagaBanking was updated on October 24, 2026 and XFlow on October 9, 2026.

---

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