Wally vs Swipe by BML
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
Swipe by BML
Manage your finances with a secure and intuitive application. This tool simplifies payments and offers smart features for easy money management.
- Secure payments
- Smart financial features
- Simple gesture controls
- Complete financial overview
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Your complete financial companion. Where smart features meet secure payments and simple gestures.
Screenshots
Verdict
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
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.
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.
Wally ships an update weekly, Swipe by BML fortnightly. The most recent releases landed on November 8, 2026 and November 5, 2026 respectively.
| Parameter | Wally | Swipe by BML |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (20 ratings) — better | 4.6 (10 ratings) |
| Positive reviews | 40.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 20 — better | 10 |
| Update frequency | Weekly — better | Fortnightly |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.1 | 15.5 — better |
| Further details — not scored | ||
| Size | 103 MB | 285 MB |
| Age rating | 4+ | 4+ |
| Developer | Salman Lartey | Bank of Maldives PLC |
Customer experience
Wally
Swipe by BML
In-app purchases
Wally
- All Access7 Days trial$2.991 Month
- All Access3 Days trial$29.991 Year
Swipe by BML
No in-app purchases









