Comparison

GiroCode vs Spend Crafter

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

GiroCode

Features
Read full description

Stop dictating your IBAN: GiroCode Generator creates a QR code for your bank account in seconds – 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 – 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 – 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/

About

Spend Crafter

Features
Read full description

Take control of your finances with Spend Crafter — 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 — Spend Crafter has everything you need in one app. KEY FEATURES: ā–ø Dashboard Overview See your income, expenses, net cash flow, account balances, and budget progress — all in one place. ā–ø Smart Budgets Create monthly or custom budgets with category-level tracking. Get real-time alerts before you overspend. ā–ø Transaction Tracking Log income, expenses, and transfers with categories, accounts, dates, and recurring support. Filter and search with ease. ā–ø Savings Goals Set financial goals like vacations, emergency funds, or big purchases. Track progress visually and stay motivated. ā–ø 45+ Financial Calculators Compound interest, ROI, mortgage, car loan, salary, tax estimator, tip split, budget planner — and many more. ā–ø AI Financial Advisor Chat with your personal AI advisor. Get personalized budgeting tips, savings strategies, and investment insights based on your spending patterns. ā–ø Multi-Account Support Manage checking, savings, cash, and credit accounts in one place. ā–ø Privacy First No bank connections required. You control your data. ā–ø Multi-Currency Support Support for 9+ currencies for global users. Download Spend Crafter today and start crafting smarter spending habits. SUBSCRIPTION TERMS — 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

GiroCode4 screens
Spend Crafter4 screens

Verdict

The call

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

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

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.

UpkeepUpdate frequency

GiroCode ships an update every 10 days, Spend Crafter fortnightly. The most recent releases landed on October 9, 2026 and October 3, 2026 respectively.

Scorecard2 real differences Ā· 4 level
GiroCode versus Spend Crafter: the parameters behind the verdict, then further details
ParameterGiroCodeSpend Crafter
PriceFreeFree
Update frequencyEvery 10 days — betterFortnightly
AdsNoNo
In-app purchasesYesYes
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.615.0 — better
Further details — not scored
Size4 MB42 MB
Age rating4+4+
DeveloperSTG Ventures GmbHINFO INLET K.K.

In-app purchases

2 purchases

GiroCode

Subscriptions2
  • Monthly Subscription$2.991 Month
  • One Year3 Days trial$14.991 Year
4 purchases

Spend Crafter

Subscriptions4
  • Pro Monthly — Special Offer$3.991 Month
  • SpendCrafter Pro Monthly$4.991 Month
  • Pro Yearly — Special Offer$23.991 Year
Show 1 more
  • SpendCrafter Pro Yearly$29.991 Year

Questions

Is GiroCode free?
GiroCode is free to download, with in-app purchases available.
Is Spend Crafter free?
Spend Crafter is free to download, with in-app purchases available.
Do GiroCode or Spend Crafter have ads?
Neither GiroCode nor Spend Crafter shows ads.
Which is updated more often, GiroCode or Spend Crafter?
GiroCode ships an update every 10 days, and Spend Crafter fortnightly. Most recently, GiroCode was updated on October 9, 2026 and Spend Crafter on October 3, 2026.

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