When comparing BillGuard vs Wallet by BudgetBakers, the Slant community recommends Wallet by BudgetBakers for most people. In the question“What are the best personal finance tracker apps for Android? ” Wallet by BudgetBakers is ranked 5th while BillGuard is ranked 13th. The most important reason people chose Wallet by BudgetBakers is:
Wallet - Budget Tracker allows for cloud syncing across devices and platform, meaning one can store data on their mobile device, sync it to then be able to browse that information on a web interface such as their laptop or desktop. Though, only manual sync is free as auto is part of a paid monthly package.
Specs
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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
Wallet - Budget Tracker allows for cloud syncing across devices and platform, meaning one can store data on their mobile device, sync it to then be able to browse that information on a web interface such as their laptop or desktop. Though, only manual sync is free as auto is part of a paid monthly package.
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 Monthly payments
Some features need monthly payments
Con Annoying ads
Recent update causes ads to be shown in app.
