# CardNav vs HAPO Debit

CardNav and HAPO Debit both sit at 4.4 stars, but that hides the real split: 30% of CardNav's written reviews are positive against 0% of HAPO Debit's. CardNav also leads on ratings volume (982 vs 151) and iOS requirement (14.0 vs 16.0). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

HAPO Debit holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: CardNav has 982 ratings behind it against 151, so its average is the more settled of the two. Written reviews complicate that: 30% of CardNav's written reviews are positive against 0% of HAPO Debit's, so the app with the better star average is not the one people write more warmly about.

CardNav ships an update every 6 months, HAPO Debit every 10 months. Both last shipped on October 20, 2026.

## The numbers

| Metric | CardNav | HAPO Debit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (982 ratings)](https://appshunter.io/ios/app/cardnav/id844413062/reviews) | **[4.6 (151 ratings)](https://appshunter.io/ios/app/hapo-debit/id6452472427/reviews)** |
| Number of ratings | **982** | 151 |
| Positive reviews | **29.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 months** | Every 10 months |
| Monetization | Free | Free |
| Size | 47 MB | 73 MB |
| Requires iOS | **14.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [CO-OP Financial Services](https://appshunter.io/developer/365653538) | [HAPO Community Credit Union](https://appshunter.io/developer/958668944) |

## What reviewers say

### CardNav

[App page](https://appshunter.io/ios/app/cardnav/id844413062)

Monitor and manage your debit and credit cards with transaction alerts and customizable usage controls. Define when, where, and how your cards can be used to enhance security and prevent fraud.

**Highlights:** Transaction alerts, Customizable usage settings, Define card usage locations, Define card usage times, Card monitoring and management

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant transaction notifications
- 🔒 Ability to turn card on/off
- 👍 Helpful security features
- 💡 Customizable notification settings

**What reviewers complain about**

- 🐛 Frequent login/password issues
- 🐛 Incorrect account balances
- 🐛 Unreliable card locking/unlocking
- 🐛 Compatibility problems with newer versions

**Reported bugs**

- App crashes when trying to log in
- Unable to add or remove cards
- Delayed or missing transaction notifications

**Requested features**

- Restore Touch ID/Face ID login
- Add ability to transfer funds between accounts
- Improve password management support
- Provide better communication during app outages


### HAPO Debit

[App page](https://appshunter.io/ios/app/hapo-debit/id6452472427)

Manage your debit card with this companion app. Create a new username and password to access card-specific features, enhancing your mobile banking experience.

**Highlights:** Debit card management, New username/password creation, Companion to mobile banking app, Enhanced card benefits

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is CardNav free?

CardNav is free to download, with no in-app purchases.

### Is HAPO Debit free?

HAPO Debit is free to download, with no in-app purchases.

### Which has better reviews, CardNav or HAPO Debit?

HAPO Debit is rated higher. CardNav averages 4.4 out of 5 from 982 ratings, while HAPO Debit averages 4.6 from 151 ratings.

### Do CardNav or HAPO Debit have ads?

Neither CardNav nor HAPO Debit shows ads.

### Which is updated more often, CardNav or HAPO Debit?

CardNav ships an update every 6 months, and HAPO Debit every 10 months. Most recently, CardNav was updated on October 20, 2026 and HAPO Debit on October 20, 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.*