SpotPay vs Properly
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpotPay
Manage your money globally with this secure digital wallet. Send, receive, spend, and earn on your funds with instant transactions and real-time balance tracking. Enjoy rewards for referrals and convenient payment options.
- Send money instantly
- Earn daily on balance
- Tap to pay with Apple Pay/Google Wallet
- Shop online with Calypso Card
- Track spending and manage balance
- Earn referral rewards
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SpotPay — Money. Reimagined. SpotPay is the modern global wallet built for how money moves today. Send, receive, spend, and earn on your money — all from one secure app. Whether you’re paying friends, shopping online, or managing your balance, SpotPay makes every transaction fast, simple, and seamless. With SpotPay, you can: Send money instantly to anyone, anywhere. Earn daily on your SpotPay Boost Balance. Tap your phone to pay with Apple Pay and Google Wallet anywhere Visa is accepted. Shop online with the SpotPay Calypso Card. Track your spending and manage your wallet balance in real time. Earn rewards when you invite friends and grow the community.
Properly
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Properly is the all-in-one home for Australian property investors. Track your portfolio, maximise your tax, and stay on top of your loans, all in one place. WHAT PROPERLY DOES - Portfolio dashboard: every property's value, equity, loan and cashflow at a glance - Australian tax engine: automatic Division 40 & 43 depreciation, income and expense tracking, ready for tax time - Live refinance comparison, see your current loan against live market rates and know when it's worth switching - AI adviser: personalised action items that tell you what to do next, not just what happened WHO IT'S FOR Built for everyday Australians with one to a handful of investment properties who want clarity a spreadsheet can't give them, without paying an accountant to answer every question. WHY PROPERLY Most tools stop at bookkeeping. Properly connects your portfolio, your tax position and your loans together, so you can actually make decisions,refinance, hold, or claim more.
Screenshots
Verdict
SpotPay and Properly are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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. Neither carries in-app purchases, so what you see is what you pay.
SpotPay ships an update every 5 days, Properly every 3 days. The most recent releases landed on November 8, 2026 and November 5, 2026 respectively.
| Parameter | SpotPay | Properly |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (44 ratings) — better | — |
| Positive reviews | 68.2% of reviews | — |
| Number of ratings | 44 — better | — |
| Update frequency | Every 5 days | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.4 | 15.1 — better |
| Further details — not scored | ||
| Size | 129 MB | 42 MB |
| Age rating | 4+ | 17+ |
| Developer | SpotPay, Inc. | Samuel Bourke |
In-app purchases
SpotPay
No in-app purchases
Properly
No in-app purchases
