PalmPay vs Auritrack
PalmPay vs Auritrack: Which One Do You Actually Need?
These two apps sit on opposite sides of a transaction. PalmPay is a Nigerian wallet — it moves money, pays bills and hands back cashback. Auritrack tracks and budgets the naira you spend through it. The real question is rarely which one, but whether frictionless payments have left you with no idea where the money went.
PalmPay vs Auritrack: feature comparison
Feature comparison of PalmPay and Auritrack
| Feature | Auritrack | PalmPay |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | No |
| Automatic bank sync | On the roadmap; statement import today | NoOwn wallet, not an aggregator |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | No |
| Budgeting | Yes | NoPayments, not budgeting |
| Savings goals | Yes | Basic savings |
| Invoicing | Small-business records and reports | No |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | NoNaira |
| Data export (PDF/CSV) | YesPDF and CSV anytime | Transaction history |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | Simple savings products |
| Shared / household accounts | Yes | No |
| Sells your data to advertisers | No | No |
| Price | Free tier + AI from $3/mo | Free wallet |
Which one is right for you?
Choose PalmPay if…
- You want fast transfers, airtime and bill payments
- Cashback and rewards on everyday payments matter to you
- A wallet balance you can spend from instantly is the point
- You are happy reading a payment history, not a budget
Choose Auritrack if…
- You want to see where your naira actually goes each month
- You would rather chat or import a statement than tally by hand
- You want a budget that tracks across every account, not just one wallet
- You want to start on a free tier and pay for AI only when you want it
Set up naira spending tracking in Auritrack
Copy this prompt, create a free account, and paste it into the Auritrack AI chat. It sets up a naira budget so you can track the spending PalmPay never showed you while it keeps handling your payments.
- 1
Copy the prompt
Grab the ready-made setup prompt below.
- 2
Create a free account
Sign up on the web app or mobile.
- 3
Paste into AI chat
Auritrack sets up your budget from it.
The verdict
Pick PalmPay if you want to move money fast and collect cashback — a tracker cannot do any of that. Pick Auritrack if the payments are easy but the total is a mystery, and you want an AI to keep the budget current in naira. Most people are best served keeping PalmPay and adding Auritrack on top.
Where PalmPay still wins
- fast transfers and bill payments
- cashback and rewards
- instant everyday payments
Frequently Asked Questions
Looking to move off PalmPay specifically? Read the PalmPay alternative guide, which covers migration and what to expect after switching.
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Compare and switch
Ready to try Auritrack instead of PalmPay?
Auritrack does the bookkeeping for you — chat your spending or import a statement, in any currency. Start on the free tier and add the AI features when you want them.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.