# Secure Client Access vs Hearth

The clearest difference is rating: Hearth at 5.0 against Secure Client Access's 4.1. Hearth also leads on update cadence (every 2 days vs monthly). Secure Client Access's advantage is in-app purchases (none vs 4) and iOS requirement (16.0 vs 26.4). On price, ratings volume, ads and device support there is nothing between them.

Both are free to download. Hearth sells 4 one-off in-app purchases. Secure Client Access asks for nothing beyond the download.

Hearth holds the better App Store score, 5.0 against 4.1. Both are backed by a comparable volume of ratings — 11 and 4 respectively.

Secure Client Access ships an update monthly, Hearth every 2 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Secure Client Access | Hearth |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (11 ratings)](https://appshunter.io/ios/app/secure-client-access/id6758830031/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/hearth-bills-and-reminders/id6780245694/reviews)** |
| Number of ratings | **11** | 4 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 66 MB | 22 MB |
| Requires iOS | **16.0** | 26.4 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [The Awesome Co](https://appshunter.io/developer/1862051876) | [GEORGE KEVIN SANCHEZ](https://appshunter.io/developer/6780245696) |

## What reviewers say

### Secure Client Access

[App page](https://appshunter.io/ios/app/secure-client-access/id6758830031)

Manage your credit journey with tools to track progress and stay connected. Upload documents, monitor your credit score in real-time, and securely message your specialist. Track dispute statuses for detailed insights into your credit report.

**Highlights:** Document upload for easy setup, Live credit score tracking, Direct secure messaging with specialists, Detailed dispute status updates, Credit journey management

**In-app purchases:** none


### Hearth

[App page](https://appshunter.io/ios/app/hearth-bills-and-reminders/id6780245694)

Easily track shared expenses and know who owes what. Set up groups for households or trips, split bills evenly or custom amounts, and get reminders for due dates. See your remaining balance after bills are covered and quickly settle up with integrated payment handles.

**Highlights:** Shared bill tracking, Group creation, Customizable bill splitting, Due date reminders, Income tracking, Payment handle integration, Notification center

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Coffee Tip | $1.99 | one-time |
| Lunch Tip | $4.99 | one-time |
| Hearth Pro | $9.99 | one-time |
| Dinner Tip | $9.99 | one-time |


## Frequently asked questions

### Is Secure Client Access free?

Secure Client Access is free to download, with no in-app purchases.

### Is Hearth free?

Hearth is free to download, with in-app purchases available.

### Which has better reviews, Secure Client Access or Hearth?

Hearth is rated higher. Secure Client Access averages 4.1 out of 5 from 11 ratings, while Hearth averages 5.0 from 4 ratings.

### Do Secure Client Access or Hearth have ads?

Neither Secure Client Access nor Hearth shows ads.

### Which is updated more often, Secure Client Access or Hearth?

Secure Client Access ships an update monthly, and Hearth every 2 days. Most recently, Secure Client Access was updated on November 5, 2026 and Hearth on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*