# Betalo vs Spendwise

The clearest difference is monetization model: Betalo at free against Spendwise's ad-supported. Betalo also leads on iOS requirement (15.1 vs 17.0). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for Betalo against 4.8 for Spendwise. Both are backed by a comparable volume of ratings — 13 and 30 respectively.

Betalo ships an update every 3 weeks, Spendwise fortnightly. Both last shipped on October 24, 2026.

## The numbers

| Metric | Betalo | Spendwise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (13 ratings)](https://appshunter.io/ios/app/betalo/id910208332/reviews) | **[4.8 (30 ratings)](https://appshunter.io/ios/app/spendwise/id1441419364/reviews)** |
| Number of ratings | 13 | **30** |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | **Free** | Ad-supported |
| Size | 48 MB | 76 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Betalo AB (publ)](https://appshunter.io/developer/1609388926) | [SEB Kort Bank AB](https://appshunter.io/developer/1145360306) |

## What reviewers say

### Betalo

[App page](https://appshunter.io/ios/app/betalo/id910208332)

Easily pay bills and send money using your credit or debit card, even where cards are not typically accepted. Maximize card benefits like points and bonuses while gaining financial control and security.

**Highlights:** Pay bills to Bankgiro and Plusgiro, Send money to Swedish bank accounts, Use Mastercard, Visa, and American Express, Earn card points and bonuses, Secure login with Mobile BankID, Available for individuals and businesses

**Features:** macOS Compatibility

**In-app purchases:** none


### Spendwise

[App page](https://appshunter.io/ios/app/spendwise/id1441419364)

Manage your credit card accounts, view transactions, and track loan details. Receive important notifications about purchases and spending limits. Easily access your PIN, block lost cards, and explore payment options for larger purchases.

**Highlights:** View credit card balances and transactions, Track personal loan details, Receive spending limit notifications, Manage PIN codes, Block and order new cards, Utilize part payment options

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

**In-app purchases:** none


## Frequently asked questions

### Is Betalo free?

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

### Is Spendwise free?

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

### Which has better reviews, Betalo or Spendwise?

Spendwise is rated higher. Betalo averages 4.7 out of 5 from 13 ratings, while Spendwise averages 4.8 from 30 ratings.

### Do Betalo or Spendwise have ads?

Neither Betalo nor Spendwise shows ads.

### Which is updated more often, Betalo or Spendwise?

Betalo ships an update every 3 weeks, and Spendwise fortnightly. Most recently, Betalo was updated on October 24, 2026 and Spendwise on October 24, 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.*