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Royal Bank ClearSpend vs its rivals

Side-by-side comparison against Royal Bank ClearSpend's closest competitors — identity, store metrics, ratings & sentiment, and strategic intel.

Royal Bank ClearSpend
This App
Expense Tracker
Nemesis
Mooncard - note de frais
Contender
SubTrack-Subscription Tracker
Contender
Flowy: Spending Tracker
Contender
BlueSolutions Spending
Contender
GovAid: SNAP
Peer
Fast Tip & Split Calculator
Peer
Paranı Çalıştır
Peer
Loan Manager : Loan App
Peer
Core Identity
DeveloperNatWest Group plcChris LangMoongroupgoutham pajjuruChiew CarolWealthCareMobileTimothy DeGraffChristopher RomaniMehmet BayramRohit Kakadiya
CategoryFinanceFinanceFinanceFinanceFinanceHealth & FitnessHealth & FitnessFinanceUtilitiesUtilities
PlatformiOSAndroid, iOSiOS, AndroidiOSiOS, AndroidAndroidiOSiOS, AndroidiOSAndroid, iOS
Store Metrics
Rating0.0 / 53.5 / 54.4 / 55.0 / 55.0 / 52.7 / 55.0 / 55.0 / 55.0 / 54.0 / 5
Ratings Count024511191114
PriceFreeFreeFreeFree$0.99FreeFree$0.99FreeFree
Release DateJul 26, 2018Aug 7, 2018Jun 23, 2022Apr 13, 2026Nov 5, 2019Jan 13, 2014Feb 12, 2026Jan 2, 2026May 29, 2024Dec 30, 2024
Last UpdatedMar 3, 2026Aug 14, 2018May 6, 2026Apr 13, 2026Dec 7, 2025Feb 17, 2026Feb 13, 2026Jan 2, 2026May 29, 2024Jan 2, 2026
Sentiment & Reviews
Sentiment-mixedpositive--mixed---positive
Score-65/10088/100--40/100---80/100
Praises-
  • Expense tracking features provide clear visibility into personal savings and spending habits
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  • The application provides a highly effective and reliable experience for managing personal loan records
  • The recently introduced analytics dashboard provides clear visual insights into monthly loan recovery trends
Complaints-
  • Bank synchronization failures and frequent credential reauthorization requests disrupt the automated tracking experience
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Requests-
  • Expanded support for local banks and financial institutions in international markets like Indonesia and Kazakhstan
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Strategic Intel
Strengths
  • Institutional data integration provides verified transaction accuracy
  • Enterprise-grade merchant category blocking functions as a B2B retention barrier
  • Cross-device sync architecture ensures data consistency across hardware platforms
  • Multi-currency support enables B2B-adjacent expansion into expat and international traveler segments
  • Automated accounting-software integration functions as a B2B distribution barrier
  • Flying Blue loyalty partnership creates a unique value-add for business travelers
  • Local-only storage ensures data privacy
  • Ad-free interface prevents user distraction
  • Zero-cost barrier to entry
  • One-time $0.99 purchase model lowers entry friction for privacy-conscious users
  • Manual-entry architecture avoids data-privacy risks linked to bank-syncing competitors
  • Deep integration with specific health insurance infrastructure for RI members
  • FY 2026 regulatory engine provides high-precision compliance [FY 2026 Engine]
  • State-specific logic for vehicle equity and asset tests differentiates from generic calculators [State-Specific Rules]
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  • Niche arbitrage calculator simplifies complex financial decisions for casual shoppers.
  • Automated stopaj logic reduces manual calculation errors for users.
  • Analytics dashboard visualizes loan distribution trends [Analytics Dashboard feature]
  • 25+ tool suite covers diverse financial segments [Feature set breadth]
Weaknesses
  • Single-bank architecture limits utility for multi-institution businesses
  • Lack of cross-platform expense visualization reduces daily engagement
  • Bank synchronization failures force manual entry, eroding the primary value proposition
  • Aggressive premium upselling on the homepage creates high-churn friction for free-tier users
  • Lack of long-term expense trend visualization
  • Manual receipt entry for non-cardholders creates friction
  • 0.0 Android rating indicates poor visibility or adoption
  • Manual entry creates high user friction
  • No cloud-sync prevents multi-device usage
  • Lacks automated payment detection
  • Lack of cloud-sync forces manual backup management
  • Absence of wearable integration limits glanceable logging utility
  • 2.67-star rating on 19 reviews indicates significant friction
  • Zero user-account persistence prevents return-visit habit formation [No user accounts]
  • Single-purpose utility lacks the transactional layer found in direct competitors [No account integration]
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  • No automated data feeds for investment rates.
  • Limited review volume compared to established financial utilities.
  • 0-rating on Android platform [Android platform metric]
  • 14-review volume limits feedback loop [Review count metric]
  • Manual data entry requirement [UX friction]
Pricingfreefreemiumsubscriptionfreepaidfreefreepaidfreefreemium
Momentum-ZombieMaintenanceZombieSteady----Maintenance
Update Cadence-3 versions, 2 majors/6mo, ~1404d avg2 versions, ~2d avg1 versions5 versions----2 versions, 1 majors/6mo, ~91d avg

Compare Royal Bank ClearSpend head-to-head

Disclosure: Independent intel to help mobile builders succeed.

AI-powered analysis with editorial review, built from publicly available sources. Marlvel.ai is not affiliated with, endorsed by, or sponsored by Royal Bank ClearSpend, its developer, the app publisher, Apple, or Google Play. All trademarks, logos, and screenshots referenced remain the property of their respective owners.

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