When comparing BillGuard vs Expense IQ, the Slant community recommends BillGuard for most people. In the question“What are the best personal finance tracker apps for Android? ” BillGuard is ranked 15th while Expense IQ is ranked 19th. The most important reason people chose BillGuard is:
While it may not use the lollipop design guidelines, it still has a clean, simple, elegant interface.
Ranked in these QuestionsQuestion Ranking
Pros

Pro Nice User Interface
While it may not use the lollipop design guidelines, it still has a clean, simple, elegant interface.
Pro Strong protection against fraudulent activity
Many finance applications have this feature but BillGuard was designed to be first an applications that protects you against fraud and second finance tracker. BillGuard's data breach alert will send an alert if the application believes that a card's information has been hacked. Users can also help to report fraudulent charges to improve the service. If a gray charge is encountered, BillGuard will contact the merchant directly.
Pro Read-only access
BillGuard has a focus on privacy and security. All access to bank accounts is read only, so money can't be moved from within the application.
Pro Free and no advertisements
BillGuard is free with no advertisements. It is unclear how BillGuard makes money.
Pro All bank accounts and investments can be viewed in one place
Like a few other finance tracking applications out there BillGuard makes it convenient to make a budget and track spending by pulling in all bank accounts and investments into one convenient application.

Pro Flag or Approve all transactions
With a simple right swipe to approve or a left swipe to flag a transaction for review (a la Mailbox).
Pro Web applications
If you need to plan your budget or check on a fraudulent transaction BillGuard has you covered with a web application.
Pro Cloud Sync with unlimited devices
Cloud Sync across unlimited number of devices. Uses Google Firebase.
Pro Many different reports
Many different and diverse reports help users analyze and identify trends to better improve saving plans.
Pro Budgets can be set to any account, category and subcategory
Budgets are only monthly, but the ability to set to any account, category, and subcategory comes in very handy.
Pro Can attach photos and lots of details to every transaction
Allows users to attach a photo from gallery or camera to transactions. Can also add payee, category, check status, notes and set to repeat in highly customizable ways.
Pro Can export to CSV and QIF
Pro Split transactions
Handles split transactions flawlessly, and splits show up in reports accurately.
Pro Has clear and simple UI
Material Design with light, dark and panda (hybrid) theme.
Pro Built-in flexible bill reminders
Reliable bill reminders with many customization options.
Cons
Con US support only
BillGuard is "currently limited to US credit cards and debit cards only, but our goal is to protect everyone and every bill around the globe." But if you are really interested in using BillGuard in another country then you can request that the BillGuard developers prioritize your country here.
Con Somewhat basic visuals and analytics
While other applications provide especially useful charts and graphs of income and spending, BillGuard's are somewhat basic and uninformative. The visuals consist of a simple pie chart of your spending for each month or each account and a line graph that shows the current month's transactions.
Con Chrashing constantly.
Cannot open app. Chrashing immediately. Cleared cache & data. Uninstalled & reinstalled. Rebooted. Nothing works.
Samsung Galaxy S22 Ultra standard firmware Nordic countries Android 13.
Con Cannot sync automatically with your bank
You have to add every transaction manually.
Con Receipt attachments don't sync
Con More than 3 accounts requires a yearly fee
If you need to keep track of more than 3 accounts at once, there is a yearly fee of $19 to unlock the feature of unlimited account tracking.
