Comparison

Wally vs Swipe by BML

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

Head to head
About

Wally

Manage your personal finances without linking bank accounts. Track income, expenses, and bills with automated updates and customizable categories. Get insights into spending habits and savings potential.

Highlights
  • Offline budget tracking
  • Automated payday balance updates
  • Bill reminders
  • Customizable spending categories
  • Spending analysis charts
  • Household budgeting
  • In-app assistant for financial insights
  • Face ID lock
Features
Read full description

Wally keeps your budget on your phone. There's no bank login and nothing to sync. Tell it when you get paid and how much, and your balance moves on payday without you touching it. Add the accounts you actually use, checking or savings or cash, set the opening balance once, and Wally keeps it current as you log what you spend. Put your monthly bills in with their due dates and it reminds you before they land. Spending goes into categories you make yourself. Three questions and the category exists; the fiddly settings are there when you want them and out of the way when you don't. The charts show what came in against what went out, and how fast a budget is running down rather than only how much is left. Pay with your phone and Wally can pick the purchase up on its own, ready for you to check or already filed. If you share money with someone, a household budget puts the same categories in front of both of you. There's an assistant built in that reads your own numbers and answers questions about them: How much can I save this month? Where am I overspending? What should I cut first? You can lock the whole app behind Face ID. Wally speaks English, German, Spanish, French and Portuguese. Terms of Use: https://wallybudgeting.app/terms Privacy Policy: https://wallybudgeting.app/privacy

About

Swipe by BML

Manage your finances with a secure and intuitive application. This tool simplifies payments and offers smart features for easy money management.

Highlights
  • Secure payments
  • Smart financial features
  • Simple gesture controls
  • Complete financial overview
Features
Read full description

Your complete financial companion. Where smart features meet secure payments and simple gestures.

Screenshots

Wally4 screens
Swipe by BML4 screens

Verdict

The call

Wally and Swipe by BML both sit at 4.8 stars, but that hides the real split: 100% of Swipe by BML's written reviews are positive against 40% of Wally's. Swipe by BML also leads on in-app purchases (none vs 2) and device support (3 vs 1). Wally's advantage is update cadence (weekly vs fortnightly). On price, rating, ratings volume and ads 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. Wally sells 2 in-app purchases, starting at $2.99 per month. Swipe by BML asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Wally holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 20 and 10 respectively. Written reviews complicate that: 40% of Wally's written reviews are positive against 100% of Swipe by BML's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Wally ships an update weekly, Swipe by BML fortnightly. The most recent releases landed on November 8, 2026 and November 5, 2026 respectively.

Scorecard5 real differences · 5 level
Wally versus Swipe by BML: the parameters behind the verdict, then further details
ParameterWallySwipe by BML
PriceFreeFree
Rating4.8 (20 ratings) — better4.6 (10 ratings)
Positive reviews40.0% of reviews100.0% of reviews — better
Number of ratings20 — better10
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.115.5 — better
Further details — not scored
Size103 MB285 MB
Age rating4+4+
DeveloperSalman LarteyBank of Maldives PLC

Customer experience

Wally

All ratings20 ratings
Positive90.0%
Neutral10.0%
Negative0.0%
Written reviews15 reviews
Positive40.0%
Neutral20.0%
Negative40.0%

Swipe by BML

All ratings10 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

Wally

Subscriptions2
  • All Access7 Days trial$2.991 Month
  • All Access3 Days trial$29.991 Year
None

Swipe by BML

No in-app purchases

Questions

Is Wally free?
Wally is free to download, with in-app purchases available.
Is Swipe by BML free?
Swipe by BML is free to download, with no in-app purchases.
Which has better reviews, Wally or Swipe by BML?
Wally is rated higher. Wally averages 4.8 out of 5 from 20 ratings, while Swipe by BML averages 4.6 from 10 ratings.
Do Wally or Swipe by BML have ads?
Neither Wally nor Swipe by BML shows ads.
Which is updated more often, Wally or Swipe by BML?
Wally ships an update weekly, and Swipe by BML fortnightly. Most recently, Wally was updated on November 8, 2026 and Swipe by BML on November 5, 2026.

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