PayBacks vs TrueSaver
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayBacks
Easily track money lent and borrowed. Get reminders for due dates and mark payments as complete. Send friendly reminders to friends who owe you money.
- Track money lent and borrowed
- Add payment details
- Reminders for due dates
- Mark payments as paid
- Send friendly reminders
- Siri integration
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Give money, get money. Never forget. PayBacks allows you to keep track of your small loans in a super easy to use interface. How does it work? • Add your payments Quickly add your payments to your log by entering details like amount, currency and the person who you owe or from where you need to get money from. • Get reminded of due dates PayBacks notifies you when a payment is due so you can easily take action. • Pay it or get paid When you’re finished with a payment, you can mark it as paid very easy. You can also send friendly reminders to friends who forget to pay their debts to you. • Support for Siri is here! You can use Siri to say things like "Give John $10 for lunch." or "Get €20 from Alex for cookies". Siri will understand and confirm your payment. Once you click or say "Send", she will add your payment to your list with a reminder for 24 hours.
TrueSaver
Build your credit score by saving money, avoiding debt. This app offers a unique approach to financial wellness.
- Credit score building
- Savings-focused approach
- Debt avoidance
- Financial wellness tool
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TrueSaver helps you to build your credit score through savings, not debt
Screenshots
Verdict
The clearest difference is rating: TrueSaver at 4.5 against PayBacks's 3.0. TrueSaver also leads on in-app purchases (none vs 2) and review sentiment (100% vs 67%). PayBacks's advantage is iOS requirement (10.0 vs 15.1). On price, ads 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
Both are free to download. PayBacks sells 2 one-off in-app purchases. TrueSaver asks for nothing beyond the download.
TrueSaver holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: TrueSaver has 10 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 67% of PayBacks's written reviews are positive against 100% of TrueSaver's.
PayBacks ships an update every 3 months, TrueSaver every 10 days. The most recent releases landed on October 8, 2026 and October 14, 2026 respectively.
| Parameter | PayBacks | TrueSaver |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) | 4.5 (10 ratings) — better |
| Positive reviews | 66.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 2 | 10 — better |
| Update frequency | Every 3 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 10.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 51 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | Cristina Buga | Truesaver |
Customer experience
PayBacks
TrueSaver
In-app purchases
PayBacks
- Remove Ads$1.99
- Unlimited Payments$2.99
TrueSaver
No in-app purchases
