WeMoney shows your score. We change it.
WeMoney is built around your credit score — Equifax score view, debt tracking, partner referrals for personal loans and balance-transfer cards. PocketSpend takes the opposite approach: we surface every dollar so you can actually pay down debt and lift your score, not just stare at it.
PocketSpend
A$9.99/mo Premium
No affiliate pushes
cheaper, every month
WeMoney
Free + affiliate
Why people are leaving WeMoney
- 1.WeMoney monetizes via partner referrals to loans, credit cards and balance transfers. The dashboard nudges you toward partner products by design.
- 2.WeMoney’s budgeting tools are basic. No cash flow forecasting, no ATO categories, no GST tracking, no Super contribution view.
- 3.WeMoney’s credit score view is convenient but not exclusive — you can pull Equifax for free yourself once a year, or pay $5/mo to Equifax directly.
- 4.WeMoney’s data sharing terms are wide — they share aggregated insights with partners. Some users are uncomfortable with that.
Feature-by-feature: PocketSpend vs WeMoney
| Feature | PocketSpend | WeMoney |
|---|---|---|
| Credit score view | Optional add-on | Headline feature |
| CDR Open Banking | ✓ | ✓ |
| Cash flow forecasting | 365 days | ✗ |
| ATO category templates | ✓ | ✗ |
| GST + BAS export | Business tier | ✗ |
| Partner-product feed | ✗ | Yes |
| Debt payoff planner | ✓ | Basic |
| Investments view | ✓ | Coming soon |
| Subscription auto-finder | AI | Limited |
What PocketSpend does that WeMoney can't
Debt payoff planner, not just tracker
Avalanche or snowball method. Project payoff dates. See exactly which credit card to crush first. WeMoney shows your debts. We tell you what to do about them.
No partner-product nudges
We don’t make money pushing you toward loans or balance transfer cards. Your dashboard shows your money, not partner offers.
ATO + GST tooling
For the 1.5 million Australian ABN holders, tradies, contractors and side-hustlers. WeMoney has no tax tooling.
Forecasting that prevents overdrafts
Tell us your fortnightly pay date. We project your account balance 30/60/90 days ahead and warn you 5 days before any account goes red.
The verdict
WeMoney has built a profitable consumer app by making credit scores the headline and earning affiliate commissions on debt products. That’s a valid model. PocketSpend is a different bet: charge a small monthly fee, never push partner products, and give Aussies the tools to actually improve their finances. If you want a score viewer with offers, WeMoney is fine. If you want a budgeting app, this is it.
Common questions
Does PocketSpend show my credit score?▼
Yes — optional Equifax score view available on Premium. We don’t make it the headline. It updates monthly.
Will I miss WeMoney’s loan offers?▼
Only if you wanted them. Our Bill Switching report runs on-demand quarterly and shows market alternatives without an affiliate-driven feed.
Can I import WeMoney data?▼
WeMoney export is limited. Connect your banks fresh via CDR — 12 months of history backfilled automatically.
Is the debt payoff planner free?▼
Available on Premium (A$9.99/mo). Free plan shows current debt balances but not payoff projection.
Try PocketSpend free
Free plan forever. No credit card. Cancel anytime.