Bloom vs COMMITLY Spend

Bloom is a private, offline-first money tracker. No account required. No server. Everything stays on your iPhone. KNOW WHERE YOU STAND One honest number: your account balances minus what you've spent on credit cards this cycle. Add your bank account, cash wallet, Touch 'n Go, EPF, ASB, or Tabung Haji and get a real picture of your financial position. TRACK EVERY RINGGIT - Log transactions manually in seconds - Scan receipts with your camera, OCR reads the merchant and amount for you - Connect Apple Pay via a Shortcuts automation for automatic logging - Import your bank statement as a CSV, Bloom maps the columns and skips duplicates PLAN AHEAD - Monthly budgets per category with a live progress bar - Savings goals with optional auto-contribution schedules - Loans, installments, and recurring bills tracked in one place - 30/60/90-day cashflow forecast warns you before your balance dips SEE THE BIG PICTURE - Net worth: assets minus liabilities with a monthly trend chart - Spending insights: burn rate vs your 3-month average, category spikes, card utilisation alerts - Recurring payment audit, find subscriptions you forgot about - Daily heat strip, weekday vs weekend split, projected month-end spend BUILT FOR MALAYSIA - Ringgit (RM) formatting throughout - EPF, ASB, and Tabung Haji as built-in account types - LHDN tax relief codes mapped to categories - Tax Pack export: receipts and a category-sorted CSV ready for e-filing - Bahasa Malaysia interface option PRIVATE BY DESIGN - All data lives on your iPhone and syncs to your own private iCloud, never ours - Scanned receipts stored with file-level encryption - Face ID / Touch ID lock with a configurable grace period - Content hidden from the iOS app switcher HOME SCREEN WIDGETS Four glanceable widgets: spent this month, budget left, next bill due, and savings progress. Available on the Home Screen, Lock Screen, and in the Dynamic Island. Bloom is free forever for manual tracking. Bloom Pro unlocks the receipt scanner, Apple Pay auto-log, CSV import, unlimited accounts and cards, Home Screen widgets, the full Insights suite, iCloud sync across your devices, and the LHDN Tax Pack export. Monthly, yearly with a 7-day free trial, or a one-time lifetime purchase. Your data stays on your device either way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

COMMITLY Spend is the mobile companion to COMMITLY for managing corporate cards and approving bills on the go. It gives finance teams and cardholders quick access to card activity, receipt capture, and invoice approvals — without opening the desktop app. Core capabilities Card & transaction overview— View your COMMITLY business debit cards, limits, and outstanding balances. Browse and search transactions in real time, with filters for missing receipts. Receipt capture & attachment— Attach a receipt to a card transaction by taking a photo with your device camera or choosing an image from your library, keeping records organized and audit-ready. Bill approvals— Review pending invoices assigned to you, open bill details and attached PDFs, and approve or reject bills directly from your phone. Stay on top of due dates and early-payment discounts. Push notifications— Get alerts for missing receipts, new transactions, and bills awaiting your approval, with deep links into the right screen. Security & preferences— Sign in with Face ID or Touch ID, choose light or dark mode, and switch language (English, Deutsch, Italiano). Typical use flows Cards & receipts Enable COMMITLY Wallet in COMMITLY settings. Use your COMMITLY business debit card for a purchase. Open COMMITLY Spend app to review the transaction. Attach a receipt photo via camera. Bills approval Connect Bills in COMMITLY and submit invoices into your approval workflow. Receive a push notification when a bill needs your approval. Open the Bills tab in COMMITLY Wallet to review the invoice. Approve or reject the bill on the spot. Summary COMMITLY Spend is built for users who need fast, mobile access to business debit card transactions, receipt management, and bill approvals — fully integrated with the COMMITLY ecosystem.