Comparison

Vipps vs Xledger

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

Head to head
About

Vipps

Easily send and receive money across Norway, Sweden, Denmark, and Finland. This app simplifies payments online, in stores, and for recurring bills. It also offers features like digital gift wrapping and wish lists for convenient financial management.

Highlights
  • Send, receive, and request money between Nordic countries
  • Schedule gifts with digital wrapping
  • Pay online, in stores, and at flea markets
  • Set up subscriptions and recurring payments
  • Log into websites and apps
  • Create wish lists and collect money
Features
Read full description

Hi, I'm Vipps! A very, very easy app for sending money and paying in the Nordics. Sending money (vippsing) is safe and done in a flash – just like it should be. With Vipps, you can: • send, receive and request money between Norway, Sweden, Denmark and Finland • schedule gifts with digital wrapping • pay online, in stores and at flea markets • set up subscriptions and other recurring payments • log into websites and apps • create wish lists and collect money in a box • settle costs like dinners and weekend getaways • pay your bills (only in Norway) • tap to pay on card terminals (only in Norway) To use Vipps you need BankID, a Norwegian/Swedish phone number, a Norwegian/Swedish bank card and account, as well as an email address. Vipps is available in English, Norwegian (bokmål and nynorsk), Swedish, Danish and Finnish. Made in the Nordics, with love for making things very, very easy.

About

Xledger

This finance app allows employees to track time and expenses, upload receipts, and manage basic settings. Managers can view employee lists, approve timesheets and payments, and access updated bank balances. It requires employer subscription to Xledger.

Highlights
  • Time tracking
  • Expense management
  • Receipt uploading
  • Timesheet approval
  • Bank balance access
  • Multilingual support
Features
Read full description

The official Xledger app for iPhone and iPad makes your life easier. Enter data anywhere, anytime. Pair your device for fast and secure login. Works out-of-the-box with all standard roles. Get instant and easy access to updated information. Employees • Time keeping – track your time, and get full overview of your hours • Expense management – log your expenditures • Upload attachments – take a picture and upload receipts directly from the app • Basic user settings – available in 21 languages Managers • Employee list – access list of all the employees • Approve timesheets, travel bills and payments – approve tasks directly in the app from anywhere • Updated bank balance – constant access to updated bank balance NOTE: To enable this application your employer must be a customer of Xledger.

Screenshots

Vipps4 screens
Xledger3 screens

Verdict

The call

The clearest difference is update cadence: Vipps at weekly against Xledger's every 5 months. Vipps also leads on ratings volume (2.4K vs 2). Xledger's advantage is monetization model (free vs free with in-app purchases) and review sentiment (50% vs 33%). On price, ads, in-app purchases and iOS requirement 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Xledger holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Vipps has 2.4K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 33% of Vipps's written reviews are positive against 50% of Xledger's.

UpkeepUpdate frequency

Vipps ships an update weekly, Xledger every 5 months. The most recent releases landed on September 28, 2026 and September 14, 2026 respectively.

Scorecard6 real differences · 4 level
Vipps versus Xledger: the parameters behind the verdict, then further details
ParameterVippsXledger
PriceFreeFree
Rating4.8 (2.4K ratings)5.0 (2 ratings) — better
Positive reviews33.3% of reviews50.0% of reviews — better
Number of ratings2.4K — better2
Update frequencyWeekly — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size190 MB6 MB
Age rating4+4+
DeveloperVipps MobilePay ASXledger Labs AS

Customer experience

Vipps

All ratings2,405 ratings
Positive95.9%
Neutral1.6%
Negative2.5%
Written reviews75 reviews
Positive33.3%
Neutral1.3%
Negative65.3%

Xledger

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

Vipps

Reported bugs

2 issues
  • App crashes after update
  • Unable to send money due to privacy settings issue

Requested features

3 requests
  • Add support for Apple Watch
  • Allow use with shared/joint bank accounts
  • Expand to other countries

Xledger

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Vipps

No in-app purchases

None

Xledger

No in-app purchases

Questions

Is Vipps free?
Vipps is free to download, with no in-app purchases.
Is Xledger free?
Xledger is free to download, with no in-app purchases.
Which has better reviews, Vipps or Xledger?
Xledger is rated higher. Vipps averages 4.8 out of 5 from 2.4K ratings, while Xledger averages 5.0 from 2 ratings.
Do Vipps or Xledger have ads?
Neither Vipps nor Xledger shows ads.
Which is updated more often, Vipps or Xledger?
Vipps ships an update weekly, and Xledger every 5 months. Most recently, Vipps was updated on September 28, 2026 and Xledger on September 14, 2026.

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