GiroCode vs Spend Crafter
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
GiroCode
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Stop dictating your IBAN: GiroCode Generator creates a QR code for your bank account in seconds ā including amount and payment reference. Friends simply scan it with their banking app (Sparkasse, Volksbank, ING, comdirect, and many more) and the transfer form is filled in automatically. PERFECT FOR ⢠Splitting restaurant and travel costs with friends ⢠Selling on classifieds or at the flea market ⢠Club fees and group funds ⢠Adding a payment QR code ("GiroCode") to invoices ⢠Shared flats, gift collections, and more HOW IT WORKS Add your account once (name + IBAN) Enter amount and reference Share or show the QR code ā done YOUR BENEFITS ⢠Personal: your photo at the center of the QR code ⢠Multiple accounts, each with its own picture and name ⢠History: resend or duplicate previous codes ⢠100% privacy: all data stays on your device ā no sign-up, no cloud, works offline ⢠Standards-compliant EPC QR code (GiroCode), compatible with virtually all German and Austrian banking apps Try GiroCode Pro free for 3 days. Then continue flexibly with a subscription (cancel anytime) or a one-time purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Spend Crafter
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Take control of your finances with Spend Crafter ā your AI-powered personal finance companion. Whether you want to track daily expenses, create smart budgets, set savings goals, or get personalized financial advice from an AI advisor ā Spend Crafter has everything you need in one app. KEY FEATURES: āø Dashboard Overview See your income, expenses, net cash flow, account balances, and budget progress ā all in one place. āø Smart Budgets Create monthly or custom budgets with category-level tracking. Get real-time alerts before you overspend. āø Transaction Tracking Log income, expenses, and transfers with categories, accounts, dates, and recurring support. Filter and search with ease. āø Savings Goals Set financial goals like vacations, emergency funds, or big purchases. Track progress visually and stay motivated. āø 45+ Financial Calculators Compound interest, ROI, mortgage, car loan, salary, tax estimator, tip split, budget planner ā and many more. āø AI Financial Advisor Chat with your personal AI advisor. Get personalized budgeting tips, savings strategies, and investment insights based on your spending patterns. āø Multi-Account Support Manage checking, savings, cash, and credit accounts in one place. āø Privacy First No bank connections required. You control your data. āø Multi-Currency Support Support for 9+ currencies for global users. Download Spend Crafter today and start crafting smarter spending habits. SUBSCRIPTION TERMS ā Spend Crafter Premium is an auto-renewable subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. You can manage and cancel anytime in iTunes Account Settings. Plans: Monthly $4.99 / Annual $29.99 Terms of Service: https://spendcrafter.infoinlet.com/terms Privacy Policy: https://spendcrafter.infoinlet.com/privacy
Screenshots
Verdict
The clearest difference is device support: Spend Crafter at 3 against GiroCode's 1. Spend Crafter also leads on iOS requirement (15.0 vs 18.6). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. GiroCode sells 2 in-app purchases, starting at $2.99 per month and Spend Crafter sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
GiroCode ships an update every 10 days, Spend Crafter fortnightly. The most recent releases landed on October 9, 2026 and October 3, 2026 respectively.
| Parameter | GiroCode | Spend Crafter |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 10 days ā better | Fortnightly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone | iPhone, iPad, iPod ā better |
| Requires iOS | 18.6 | 15.0 ā better |
| Further details ā not scored | ||
| Size | 4 MB | 42 MB |
| Age rating | 4+ | 4+ |
| Developer | STG Ventures GmbH | INFO INLET K.K. |
In-app purchases
GiroCode
- Monthly Subscription$2.991 Month
- One Year3 Days trial$14.991 Year
Spend Crafter
- Pro Monthly ā Special Offer$3.991 Month
- SpendCrafter Pro Monthly$4.991 Month
- Pro Yearly ā Special Offer$23.991 Year
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- SpendCrafter Pro Yearly$29.991 Year









