Vipps vs Spare
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Vipps
Easily send, receive, and request money across Nordic countries. Pay online, in stores, and set up recurring payments. Also functions as a secure login for websites and apps.
- Send, receive, and request money
- Schedule digital gifts
- Online and in-store payments
- Set up recurring payments
- Secure website and app login
- Create wish lists and collect money
- Settle shared costs
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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.
Spare
Manage your savings and investments from multiple banks in one place. Easily set up regular saving plans for mutual funds, equities, or savings accounts. Track your pension and learn about different investment options.
- Consolidated savings overview
- Regular saving plans
- Mutual fund management
- Stock trading on global exchanges
- Pension tracking
- Share savings account management
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You can now log into the Spare app with your BankID from any bank. Get an overview of how much you’re saving in DNB and other banks. It’s easy to get started with regular saving, whether in mutual funds, equities (shares), or in a savings account. Small, fixed amounts can get you a long way. Explore the possibilities and reach your goals in Spare. View your assets: • Accounts • Mutual funds • Equities (shares) • Pension Track the development of your mutual funds savings: • Buy, exchange and sell mutual funds or start a savings agreement • Learn more about how to save in mutual funds Be your own stockbroker: • Track the value of your equities (shares) • Trade on Oslo Børs and 15 other stock exchanges worldwide See how much pension you’ll get: • Track your own pension savings • Change how your employer saves for your pension Track your share savings account: • Track the developments in your share savings account • Learn more about how the share savings account works Read the latest news on savings and investment: • Choose what kind of news you want to see
Screenshots
Verdict
The clearest difference is review sentiment: Spare at 80% against Vipps's 33%. Vipps's advantage is update cadence (every 3 days vs every 2 weeks) and ratings volume (2.4K vs 73). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.
Vipps holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Vipps has 2.4K ratings behind it against 73, so its average is the more settled of the two. Written reviews complicate that: 33% of Vipps's written reviews are positive against 80% of Spare's, so the app with the better star average is not the one people write more warmly about.
Vipps ships an update every 3 days, Spare every 2 weeks. The most recent releases landed on November 13, 2026 and November 12, 2026 respectively.
| Parameter | Vipps | Spare |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (2.4K ratings) — better | 4.6 (73 ratings) |
| Positive reviews | 32.9% of reviews | 80.0% of reviews — better |
| Number of ratings | 2.4K — better | 73 |
| Update frequency | Every 3 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.4 | 16.0 — better |
| Further details — not scored | ||
| Size | 206 MB | 82 MB |
| Age rating | 4+ | 4+ |
| Developer | Vipps MobilePay AS | DNB ASA |
Customer experience
Vipps
Spare
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
Spare
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Vipps
No in-app purchases
Spare
No in-app purchases








