Comparison

Cash App vs I Am Saving

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

Head to head
About

Cash App

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Highlights
  • Send & receive money/bitcoin instantly
  • Round up spare change to save
  • Invest in stocks, ETFs, and bitcoin
  • Direct deposit for early paychecks
  • Customizable debit card with discounts
  • Free Lightning Network transfers
Features
Read full description

The easy way to spend, save, and invest. Pay anyone in cash or bitcoin instantly and enjoy free Lightning Network transfers with compatible wallets. Start saving by rounding up spare change to the nearest dollar or invest in stocks, ETFs, or bitcoin.**** Experience a faster, simpler way to bank.* Set up direct deposit and get your paycheck up to 2 days early. Order a customizable debit card for free** and add it to your digital wallet. Save on everyday spending with exclusive offers. Download Cash App and create an account in minutes. CASH APP FEATURES P2P PAYMENTS • Send & receive money or bitcoin for free instantly • Pay people using their phone number, email, $cashtag, or QR code • Keep your money safe from fraud with advanced security features CUSTOMIZABLE DEBIT CARD • No hidden fees: Your card works where Visa® is accepted • Customizable: Make it personal & add it to your digital wallet • Safe & secure: Receive real-time transaction alerts & 24/7 fraud monitoring • Instant discounts: Save on spending & check out securely in person & online SIMPLIFIED BANKING SERVICES* • Set up direct deposit & get paid up to 2 days early • Get paid in bitcoin with no fees • No monthly balance minimums or activity requirements • Withdraw from in-network ATMs for free when you earn Green status*** • No overdraft fees & up to $200 in free overdraft coverage on Cash App Card transactions when you qualify for Green status *** EXCLUSIVE DISCOUNTS & SAVINGS • Earn up to 3.5% when you have Green status*** • Round up your spare change to the nearest dollar to start saving • Enjoy exclusive discounts on top brands & events with your Cash App Card • Get access to concert presales & exclusive events STOCK & BITCOIN INVESTMENTS • Buy stocks with no commission fees • Automatically buy bitcoin with zero fees, zero spread • Buy stock & bitcoin with custom orders or auto invest Cash App offers simplified financial services for everyone 13 and up with an account sponsored by a parent or guardian.***** Do more with your money and download Cash App today. — *Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions at cash.app/legal. Discounts, Round Ups, Direct Deposit, Offers, Savings, P2P and Cash App Green features provided by Cash App, a Block, Inc brand. Offers may not be affiliated with third party merchants. **Card use fees apply. Free cards come in black or white. ***Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information on borrowing, free overdraft coverage, savings interest, free in-network ATM withdrawals. ****Brokerage services by Cash App Investing LLC, subsidiary of Block, Inc. For additional information, see cash.app/CAIdisclosures. Bitcoin services provided by Block, Inc. Bitcoin services are not licensable activity in all U.S. states and territories. For additional information, see Bitcoin disclosures. Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. See house rules for details. *****Teens 13 to 17 can use Cash App with sponsorship by an eligible parent or guardian. See eligibility requirements at cash.app/legal. Contact Cash App Support by phone at (800) 969-1940 or mail at: Block, Inc. 1955 Broadway, Suite 600 Oakland, CA 94612

About

I Am Saving

This app helps children learn to save money by setting savings goals, tracking income and expenses, and visualizing progress. It encourages good financial habits and congratulates users upon reaching their goals.

Highlights
  • Set savings goals
  • Track income and expenses
  • Visualize savings progress
  • Adjust goals anytime
  • Congratulates on achievement
  • Encourages good habits
Features
Read full description

If you give your child pocket money on a weekly basis, this app will help them learn to save. A parent or a child sets up a saving goal by telling the app what they'd like to save for, how much it costs, how much money they have now and how much they receive weekly. The app then visualizes the progress and tells the child mow long then need to keep saving. The app also helps form a good habit of logging incomes and outcomes. Every time the child receives pocket money or spends some, they open the app and input how much money they received or spent. After doing that, they see an updated progress towards their saving goal. The goal can be adjusted any time: may be the price of the thing they want has changed or you opted to start giving them a different amount of money every week. May the kid just changed their mind, that's totally fine. Finally, when the child has saved enough to buy what they wanted, the app congratulates them with their achievement and offers to set up a new goal. NOTE FOR PARENTS Help you child setting up their goal for the first time and encourage them to save by offering them a piggy bank or something similar. The app works best for children of ages 6–12. If the child doesn't yet know how to count money, offer them your help. PRIVACY We're taking children's privacy very seriously. The app does not collect or send any data. Nobody except you have access to your data. You own it and it stays on your device.

Screenshots

Cash App4 screens
I Am Saving4 screens

Verdict

The call

The clearest difference is in-app purchases: Cash App at none against I Am Saving's 1. Cash App also leads on update cadence (weekly vs every 4 months) and ratings volume (8.7M vs 126). I Am Saving's advantage is review sentiment (85% vs 55%). On price, ads, monetization model and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. I Am Saving sells 1 one-off in-app purchase. Cash App asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Cash App holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Cash App has 8.7M ratings behind it against 126, so its average is the more settled of the two. Written reviews complicate that: 55% of Cash App's written reviews are positive against 85% of I Am Saving's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Cash App ships an update weekly, I Am Saving every 4 months. The most recent releases landed on September 24, 2026 and September 21, 2026 respectively.

Scorecard6 real differences · 5 level
Cash App versus I Am Saving: the parameters behind the verdict, then further details
ParameterCash AppI Am Saving
PriceFreeFree
Rating4.8 (8.7M ratings) — better4.5 (126 ratings)
Positive reviews54.7% of reviews85.4% of reviews — better
Number of ratings8.7M — better126
Update frequencyWeekly — betterEvery 4 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.016.0 — better
Further details — not scored
Size425 MB19 MB
Age rating12+4+
DeveloperBlock, Inc.Vadim Belyaev

Customer experience

Cash App

All ratings8,707,991 ratings
Positive95.2%
Neutral2.0%
Negative2.8%
Written reviews5,981 reviews
Positive54.7%
Neutral4.7%
Negative40.6%

I Am Saving

All ratings126 ratings
Positive88.1%
Neutral2.4%
Negative9.5%
Written reviews48 reviews
Positive85.4%
Neutral8.3%
Negative6.3%

Bugs and requests

Cash App

Reported bugs

3 issues
  • Recurring issues with direct deposits and money transfers
  • Inconsistent app behavior and unexpected account restrictions
  • Problems with mobile check deposits and cash withdrawals

Requested features

4 requests
  • Improve customer support with live chat or phone options
  • Provide more transparency on account policies and limitations
  • Enhance security features to prevent fraud and unauthorized access
  • Streamline the refund and dispute process for users

I Am Saving

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Cash App

No in-app purchases

1 purchases

I Am Saving

One-time1
  • Full Version$5.99

Questions

Is Cash App free?
Cash App is free to download, with no in-app purchases.
Is I Am Saving free?
I Am Saving is free to download, with in-app purchases available.
Which has better reviews, Cash App or I Am Saving?
Cash App is rated higher. Cash App averages 4.8 out of 5 from 8.7M ratings, while I Am Saving averages 4.5 from 126 ratings.
Do Cash App or I Am Saving have ads?
Neither Cash App nor I Am Saving shows ads.
Which is updated more often, Cash App or I Am Saving?
Cash App ships an update weekly, and I Am Saving every 4 months. Most recently, Cash App was updated on September 24, 2026 and I Am Saving on September 21, 2026.

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