# Co vs Monspend

The clearest difference is in-app purchases: Co at none against Monspend's 2. Co also leads on ads (none vs shown). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. Monspend sells 2 in-app purchases, starting at $4.99 per month. Co asks for nothing beyond the download.

Co ships an update every 4 months, Monspend every 3 months. The most recent releases landed on October 29, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Co | Monspend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.9K ratings)](https://appshunter.io/ios/app/co-optima-mobile/id908778730/reviews)** | — |
| Number of ratings | **1.9K** | — |
| Positive reviews | 57.1% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | **Every 3 months** |
| Monetization | Free | — |
| Size | 27 MB | 56 MB |
| Requires iOS | **16** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Barbados Public Workers' Co-operative Credit Union Limited](https://appshunter.io/developer/908778733) | [Muhammed Samil DEMIR](https://appshunter.io/developer/1600108280) |

## What reviewers say

### Co

[App page](https://appshunter.io/ios/app/co-optima-mobile/id908778730)

Manage your finances with a sleek, secure digital banking app. Control your cards, set travel alerts, and receive real-time notifications for all account activity. Enjoy fast transfers, bill payments, and 24/7 access with enhanced security features.

**Highlights:** Card Controls (lock/unlock), Travel Notifications, Real-Time Account Alerts, Fast Transfers & Bill Payments, Biometric & Two-Factor Authentication, 24/7 Account Access

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Convenient to use
- 🔒 Added security features

**What reviewers complain about**

- 🐛 Bugs and glitches after updates
- ⚠️ Frequent password changes required
- 🔒 Inconsistent Face ID
- 🤔 Confusing navigation

**Reported bugs**

- Randomly prompts to enroll as new user
- Unable to make RTP transfers
- Unable to access account after update

**Requested features**

- View account number in app
- Add payees for frequent transfers
- Transfer money with email or phone number


### Monspend

[App page](https://appshunter.io/ios/app/monspend-installment-tracker/id6762266602)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monspend Pro Monthly | $4.99 | per month |
| Monspend Pro Yearly | $29.99 | per year |


## Frequently asked questions

### Is Co free?

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

### Is Monspend free?

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

### Do Co or Monspend have ads?

Monspend shows ads; Co does not.

### Which is updated more often, Co or Monspend?

Co ships an update every 4 months, and Monspend every 3 months. Most recently, Co was updated on October 29, 2026 and Monspend 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.*