Comparison

Vipps vs Spare

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

Spare

Manage your savings and investments across multiple banks. Easily set up regular savings in funds, stocks, or savings accounts. Track your pension and learn about different investment options.

Highlights
  • Consolidated savings overview
  • Regular saving setup
  • Mutual fund management
  • Stock trading on global exchanges
  • Pension tracking
  • Share savings account management
  • Personalized savings news
Read full description

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

Vipps4 screens
Spare4 screens

Verdict

The call

The clearest difference is review sentiment: Spare at 80% against Vipps's 33%. Spare also leads on monetization model (free vs free with in-app purchases). Vipps's advantage is ratings volume (2.4K vs 73) and rating (4.8 vs 4.6). On price, ads, in-app purchases 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

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

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.

UpkeepUpdate frequency

Vipps ships an update every 5 days, Spare every 2 weeks. The most recent releases landed on October 14, 2026 and October 10, 2026 respectively.

Scorecard5 real differences · 5 level
Vipps versus Spare: the parameters behind the verdict, then further details
ParameterVippsSpare
PriceFreeFree
Rating4.8 (2.4K ratings) — better4.6 (73 ratings)
Positive reviews32.9% of reviews80.0% of reviews — better
Number of ratings2.4K — better73
Update frequencyEvery 5 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPad — better
Requires iOS16.016.0
Further details — not scored
Size193 MB89 MB
Age rating4+4+
DeveloperVipps MobilePay ASDNB ASA

Customer experience

Vipps

All ratings2,425 ratings
Positive95.9%
Neutral1.5%
Negative2.6%
Written reviews76 reviews
Positive32.9%
Neutral1.3%
Negative65.8%

Spare

All ratings73 ratings
Positive90.4%
Neutral5.5%
Negative4.1%
Written reviews5 reviews
Positive80.0%
Neutral20.0%
Negative0.0%

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

Spare

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Vipps

No in-app purchases

None

Spare

No in-app purchases

Questions

Is Vipps free?
Vipps is free to download, with no in-app purchases.
Is Spare free?
Spare is free to download, with no in-app purchases.
Which has better reviews, Vipps or Spare?
Vipps is rated higher. Vipps averages 4.8 out of 5 from 2.4K ratings, while Spare averages 4.6 from 73 ratings.
Do Vipps or Spare have ads?
Neither Vipps nor Spare shows ads.
Which is updated more often, Vipps or Spare?
Vipps ships an update every 5 days, and Spare every 2 weeks. Most recently, Vipps was updated on October 14, 2026 and Spare on October 10, 2026.

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