Shoal vs Basis Point
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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.
Basis Point
Automate your ETF investments with a rule-based strategy that buys the dip during market drawdowns. This tool removes emotional trading by adhering to a mathematical approach, allowing for full customization of ETFs, currency, and risk tolerance. It prioritizes user privacy with biometric authentication and encryption.
- Automated weekly ETF allocation
- Rule-based investment strategy
- Removes emotional trading
- Customizable ETF selection
- Biometric authentication
- Privacy-focused data security
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Basis Point is the institutional-grade tool for the disciplined investor. By automating your weekly ETF allocation based on market drawdowns, you naturally "buy the dip" without the stress of timing the market. Rule-Based Discipline: Set your baseline and let the algorithm calculate your weekly top-ups based on distance from All-Time Highs. Remove Emotion: No more panic selling or FOMO buying. Stick to a mathematical strategy that rewards market volatility. Full Customization: Choose your ETF, set your currency, and fine-tune your multiplier bands to match your risk tolerance. Privacy First: Your data belongs to you. Secured with biometric authentication (FaceID/TouchID) and industry-standard encryption. EULA Terms of Use: https://entry-point-7a606.web.app/terms
Screenshots
Verdict
The clearest difference is in-app purchases: Shoal at none against Basis Point's 4. Shoal also leads on iOS requirement (15.1 vs 18.4). Basis Point's advantage is update cadence (weekly vs every 2 months) and review sentiment (100% vs 90%). On price, ads 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. Basis Point sells 4 in-app purchases, starting at $1.99 per month. Shoal asks for nothing beyond the download.
Shoal ships an update every 2 months, Basis Point weekly. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.
| Parameter | Shoal | Basis Point |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 90.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 1 — better | — |
| Update frequency | Every 2 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.1 — better | 18.4 |
| Further details — not scored | ||
| Size | 147 MB | 25 MB |
| Age rating | 4+ | 4+ |
| Developer | Algbra FS UK Limited | Cameron Maclaine |
Customer experience
Shoal
Basis Point
In-app purchases
Shoal
No in-app purchases
Basis Point
- Silver$1.991 Month
- Gold$4.991 Month
- Gold - Yearly$49.991 Year
- Gold - Lifetime$99.99









