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PocketGuard・Money&Bill Tracker App Complaints & User Negative Comments 2024
PocketGuard・Money&Bill Tracker app received 55 complaints, negative comments and reviews by users. Have you ever had a bad experience using PocketGuard・Money&Bill Tracker? Can you share your negative thoughts about pocketguard・money&bill tracker?
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PocketGuard・Money&Bill Tracker for Negative User Reviews
✓ Why insisting on linking bank accounts?Why insisting on linking my banks account? And why forcing me to log in using a gmail account?.Version: 4.18
✓ Royal bank of Canada - ERROR Linking accountHi support, I love the interface and the way the app looks. I was excited to find the app. (RBC is a fairly big bank in Canada) but it gives me “Aggregation error” “error 185”. I also noticed this app is being updated still so it tells me it’s a good app. Can you guys pls check this error and see if you can fix it? Again, I love the look of the app, it really stands out, I’d use it if it could link to my bank..Version: 4.13
✓ Very frustratingTo begin with, I selected my subscription as monthly and somehow it automatically changed to annually. The app doesn’t synchronize with my CIBC accounts, it gives me a sync error when I try to connect to my account. The app also doesn’t have a connection to MBNA credit cards, so I need to add all my credit card transactions manually. The app looks good, but didn’t work for me. Just requested my refund!.Version: 5.4.5
✓ Want my money backI paid for the “pro” which they offer at about 100+ and I still have problem with transactions loading to be accurate... if anything downloading the “best” version was the worst option for me. Looking to find a refund... don’t even know where to look..Version: 4.15
✓ Good but no support anymoreApplication is good, some stuff could be improved (subcategories, rules…). But my main issue is that I did not heard from support for weeks even with multiple requests sent. As a paying customer it is very disappointing….Version: 5.4.5
✓ Cannot ReccomendSo disappointed, one of my Canadian banks drops transactions, so the amounts are never correct. I have emailed twice and both times no replies. Other emails come but nada for my issues. I have synced and used Plaid to connect but just too many glitches to be of any value. There are very little help topics to help with learning how to use the software. Some FAQs but not nearly enough. I have asked for my Premium account to be refunded, still waiting to hear back about that..Version: 5.4
✓ Love the app but why it loads so slow?Is the server somewhere else? I don’t know. So far I really like all the features of this app and it really helped me understand my monthly spend. But the problem is every time even the smallest adjustment like change one item to a different category take about 2-5 seconds load. And the in app mail like reminders also takes long time to dismiss. It wasn’t a problem at beginning but since I’ve using this app more often, aka everyday, the loading time seems really annoying. I thought it’s a membership thing so I made the subscription but it’s the same loading speed. It kinna worries me to think if the server of this app is somewhere outside US? If so does that mean my banking information may be at risk?.Version: 3.17
✓ Beautiful look, but doesn't add up (literally)Maybe it's just me, but I'm having problems with this app. I wanted to like it, but it simply is not adding up budgets correctly for me. For example, it only counts venmo transactions towards a budget when I pay other people, but not when I'm paid (which creates problems when I pay the bill at dinner and others pay me back, it's artificially inflating my dining expenses when I am not overspending myself). Another example is that I made some returns to a store the other day, and I see the positive transaction categorized under "shopping", but it is not reducing the amount that I've spent on shopping by that amount, so it also is overstating what I've spent in that category. It makes no sense to me and is too many exceptions to keep track of, so I must say goodbye to this app..Version: 3.6.1
✓ Always SomethingApp often disconnects from my account. Has never reflected any transactions made on my credit card, but displays the account balance. Customer service takes forever to resolve issues and money management has to go back to manual entry until they figure it out. Although accurately tracking and organizing transactions, the account balances once stopped updating completely, (which would seem to be an easy fix with the refresh button) but it doesn’t work. After giving it a few more days and a new update, the accounts reflected the proper amounts in my account. But now it closes within 5 seconds of me opening the app. Great idea but it just doesn’t seem this company has the system figured out yet, I will be heading to Mint when my subscription expires. Which, btw, they ignored my request to cancel multiple times..Version: 3.21
✓ Could be betterBiggest complaint is the frustratingly long time it takes to update your accounts. It takes days for it to reflect past transactions whether they’re income or expenses. The app itself offers plenty of features but it’s not very user friendly. Adding some tutorials would be nice. Getting rid of the Find Savings tab would be nice as well. Overall this app just throws a lot of information at you and doesn’t really show you how any of it is connected very well for you to actually manage your budget properly. You’ll find yourself trying to go back and forth between tabs and various options just to do a simple task..Version: 4.31.1
✓ Got locked out of my accountMy bank doesn’t use PAC anymore. Only for phone banking. As a result I got locked out and had to call my bank to fix it..Version: 4.7.1
✓ Canadians don’t waste your timeI bank at RBC and TD, neither would connect accounts. I would get errors every time. Still searching for my new Mint..Version: 5.4.2
✓ Not as good as mintThis program is difficult to use. My wife and I both use it on our joint account, but our “in my pocket” amount rarely matches. It jumps around wildly over the course of the day as well so we literally never know how much we have. It’s difficult to figure out how to handle things like using your bonus from last month since finances reset every month. It’s also difficult to figure out how to handle periodic expenses. Mint tells you how much you have left and how many days remain, so while it doesn’t give you a “daily number” you can easily divide cash remaining by days remaining. Mints balance matches for my wife and I and doesn’t have wild swings throughout the day. We feel much more confident using that program which just very simple math without any weird issues. It’s easy to see where money is and where it went. I can not recommend this program..Version: 4.12
✓ Error 185I keep getting the error 185 when trying to connect my card! Is it just taking my credentials and running with it?!.Version: 4.14
✓ The bugs, slowness, and lack of reliability aren’t worth itThis app is a really cool idea and if it worked well I’d continue my paid subscription. However, there are a couple big issues: - It’s really slow - almost unusable. This seems newer. When I first started using it it wasn’t this slow. Just scrolling through transactions is so tedious because it freezes and then scrolls way further than you want - It doesn’t always catch when your accounts are out out of date or not updating. For example, I have one account that just won’t seem to update any transactions from the last 6 months but PocketGuard isn’t showing any errors with the connection. This type of ‘silent’ failure to update really takes away from the value because I can’t trust what I see in the app. -There also seems to be pretty frequent errors with accounts where I have to remove and re-add them or re-enter credentials. This is probably more related to the external accounts and their security but it’s still annoying. All in all, I find myself using the actual bank apps more than PocketGuard due to these issues even though I’d prefer to have it all in one place and use PocketGuard..Version: 4.33
✓ Great app...but Always broken.I love pocketguard, but too frequently there are errors that make it impossible to use. I get the same Error 940 "Puppetmaster" error all the time which prevents the app from connecting with my bank. It will sometimes work for a day or two then be in error again for week or so after. Customer support didn't really even respond to my e-mail, just an automated response asking for more details when I literally sent them a screen shot, and it's their own error message. I was considering buying pro, because when it works it's awesome and has literally helped me prevent overdrafts and stick to a budget but it doesn't really work very often. Aside from the broken bits, my recommendation would be the ability to select a date and see how much will be needed for bills in that time frame. It currently only shows end of month, but I always end up needing to bust out paper and pencil and manually (navigating away from the app logs out, so can't even use the calculator app at the same time) add figures to see what I need by next payday, as opposed to month..Version: 3.23
✓ Stopped working after 2 daysAt first this app seemed great. I bought an annual subscription after trying it out for a day. My bank was a little whole to link and had to be manually verified once a day, but I could live with that. Now, my bank is not refreshing at all. The web app doesn’t work. It just spins when you login. I tried contacting support and got no reply..Version: 4.29.2
✓ Ok app not the bestLongtime Mint user here, given the circumstances of Mint shutting down I’ve been on the hunt for a new budgeting app that allows me to gain insights into my money. Here are top things I did not like about this app. 1. My account aren’t organized. I’d like to be able to see a collapsed view of my checking and savings amount but also be able to see them broken out. On the accounts view tab I would see a credit card then a savings account then a checking account from another bank- just no organization. 2. There were a few credit cards I was not able to link. Using the premium version to limit all of my credit cards is critical for me as it allows me to gain a complete view of my finances- especially with subscriptions on certain cards. 3. Cancelling the subscription is NOT the easiest. I was still within the 7 day trial period to cancel but I still have wasn’t sure if I wasn’t going to be changed since I signed up on the web.Version: 5.2
✓ Customer Service is non existentI had issues syncing my transactions and send 2 messages to customer service 5 days ago and have heard 0. It finally synced today but I am this close to switching apps because I don’t trust it and am constantly double checking everything. It will occasionally de sync from my accounts and I have to re input all of my info which is a pain. When the app is working it works GREAT..Version: 4.15
✓ Issues with Scotia Bank in CanadaThis app appears to be a good app but I’ve been trying for over a month to get my accounts with Scotia Bank connected with no luck and very frustrating..Version: 4.16
✓ Doesn’t want to connect to my bankI used to be able to connect to my scotiabank account when I first downloaded the app but now it keeps telling me that there’s a temporary error. Unfortunately this “temporary” error has been going on for weeks now and I’m still not able to access my Scotia account..Version: 4.2.2
✓ Goodbudget is betterI hate this app and wish I’d never gotten premium. If you don’t care about linking your accounts and want an app to budget manually, don’t get PocketGuard. The interface is really attractive and I love the ability to create different categories with icons BUT you don’t have the option to budget weekly (only monthly) and contributing to savings categories is more complicated than necessary. Spending is also tracked by filling up to your budget limit which I prefer having a full bar that depletes as I spend in the category. If you want a good app for tracking budgets and savings week to week (and how much money you’re accumulating in budget categories), I’d recommend GoodBudget. At first it seems like you can’t create customs categories but there’s an add button if what you’re searching for doesn’t exist :).Version: 4.32
✓ App doesn’t sync with Canadian bank accountsIt really is a terrible product. Even when the app says it has sync’d, it hasn’t. Not at all comparable to Mint. A total waste of money!!!.Version: 5.4
✓ Great app! One improvement suggestionGreat app. I’m loving it so far. I have one improvement suggestion: can we have an option to accumulate spending limit? Say I have a 200 eating out spending limit every month, and if I don’t use up all that budget, I can accumulate it to the next month where I can get some REAL NICE food..Version: 3.18
✓ Not useful without reliable synchronizationCan’t sync reliably with my bank (BMO). Asks for 2FA then timeout. No response from support. Spent too much time already..Version: 5.2
✓ Good but is missing some key elementsI like the concept of PocketGuard, but there are a few elements missing to really make it good- being able to split transactions into different categories (not all my grocery store trips are just for groceries), constant bank connecting issues, and you need to upgrade to categorize certain things (gas, coffee shops, etc). I also noticed I only got push notifications AFTER opening the app- that kinda defeats the purpose of saying “hey you’re close to your budget on ____ don’t overspend”. I do like that I could connect my main bank and see each account within in it including all of my different shares assigned to that account (checking, savings, trip savings, savings for Christmas, car loan, etc) and decide which to see every log in. The app is very esthetically pleasing and easy to navigate. I did google a few things to figure it how to do it..Version: 3.12
✓ Premium is Not Worth ItAs a Canadian, not a single one of my accounts were able to connect with this app. I've waste a lot of time waiting for it to load and nothing. It doesn't matter what I try, it does not work. If it's one thing you take away from me record is to save yourself the time, money and disappointment. Premium is a waste of money and I would like a refund..Version: 4.35.1
✓ Idea is great but app isn’t sadlyI was really excited when I first downloaded this app as I currently use mint and was excited this app offered more options for budget the way I want to ie envelope money. The next day I opened the app see where I was at and my bank account won’t update. It’s still just the transactions from when I first linked my account. So, if I have to enter all my transactions manually then I think I’ll stick with mint. Also, not a fan of having to pay for premium to use certain features as the whole point of budgeting is to save money - not spend more..Version: 3.19.1
✓ I want to love this app but transactions are too slowI reaallly want this app to be my go to budgeting tool. It has the best UI/UX of any app I’ve ever tried, it’s so great to use. But unfortunately it just doesn’t sync up with your card transactions very well. I have “pending transactions” from over a week ago that are definitely not pending anymore on my credit card. It also labels pending purchases with the incorrect vendor. I think PocketGuard has trouble with transactions that have tips? For example I went to a restaurant a week ago, but PocketGuard still says it’s pending and has the wrong merchant. It seems to mix up the merchant with previous purchases. Along with this, it’s missing some transactions from last week. Mint doesn’t have this issue, all my transactions are there, none of them are incorrectly labeled as pending, and all the vendors are accurate. There’s so many thing PocketGuard does right, but I can’t justify using it for budgeting when the transactions take forever to correct itself. I would gladly pay for a subscription if this wasn’t an issue. When it works, it works really well. Maybe I’ll try again in a couple of months and see if anything improves. I really hope it does!!.Version: 4.12
✓ App needs some polish…Plan page needs to have descriptions get a full line to themselves and the money should be below as a fraction of spent/budgeted: $122/$400. Also, the plan section lets you create a goal or budget at a section with Edit section, but then the new item appears at the bottom instead of in the section. There should be a way to shut off get out of debt for once you are out of debt or for those who do not want help. Great summaries and charts… but no way to dig into the data… clicking a chart portion should have a place where you can review transactions. It isn’t easy to see what account a transaction is coming from. Besides goals, there should be funds that float cash from previous months and have no date associated with them. The app is great about estimating the cost of something that changes over time, but if this month it’s $26 and next month it’s $30 I have to change my budget since it isn’t a fund (EveryDollar offers funds). Also it doesn’t support Landscape mode in a usable way..Version: 5.1.1
✓ Don't expect any supportIt used to be a great app till I faced multiple issues. Right now it doesn't sync properly with Chase UK. I sent them multiple tickets including screenshots and everything to help them fix the issue. I never got any response back..Version: 5.4.5
✓ Big bank centricSome of my banks are supported; mostly the big ones. But the smaller or online banks are not. The app is pointless if you can’t link all of your accounts. Please offer linking to more credit unions and online savings banks..Version: 3.22
✓ Needs workThis app has good potential but it lacks flexibility and still needs lots of work. For example when a recurring income is created you cannot change future income, so if your paycheque varies you cannot accurately predict your income for the month. Entering refunds is very cumbersome, budgeting system needs work also. Fir example a budget on a category cannot be set to $0 if you’re not planning on spending anything in that category for a month. Lots of other small annoyances, however if they are willing to work on them and fix them, this app has good potential..Version: 5.4.5
✓ Account syncing issues not fixed for weeksI have been having intermittent sync issues with my accounts for months, and now my primary checking/savings accounts have not connected to the app at all for 6 weeks. I contacted support and was not given any information beyond basically ‘this is a known issue and we’re working on it.’ After several weeks with no updates, I reached out again and got essentially the same statement. This app is useless without the functionality of automatically tracking transactions. I was finding the app really useful before the constant syncing issues, but I’m highly disappointed by the lack of urgency and communication in getting my account back in working order..Version: 5.3.0
✓ Expected moreThere are simpler ways to do about things that I had expected. Sort of give more options to the users who wants it. For one, there is no easy way to access any categories that I made without getting deep into each layer. I like to just categorize into whatever category I made but thats so so hard to access. Second, for each category, there is no ‘money in’ tabs and ‘money out’. So i dont know how much I received money on a particular category or so since there is no distinction. Third, I like to see my spending details by month. I selected January then I saw my self made category and clicked it and I was presented with all the items that are in that particular category up till this day. Fourth, if I don’t include a certain spending in any category, it will automatically put it into its own generated category (which is fine by me) but it is not shown in the ‘overview’ tabs which is very frustrating. I was giving this a try but now Im just contemplating into going back to just an excel sheet. I used Wallet by BudgetBakers before and I liked it except the fact that it can’t import csv pretty well w/o its own issues and some minor bugs. I just want more choices to those who wants better control of their finances instead of expecting the app to do it for them. Everyone is different..Version: 5.4.5
✓ Overall great app, a few snags that almost seem deceptiveThe ease of use and simplicity are impeccable. The app has great promise, but there are a few things that are not helpful: Account management- cannot clearly tell if you’re in the trial period or if you actually have the premium service. If you have the premium tier you can’t tell if you’re monthly or annual. Bill name- cannot update the merchant name. I had to delete the bill and re- add it because I had a misspelled word. Budget planning- my monthly paycheck comes at the end of the month and I use it to plan the next month. I can’t tell if the app recognizes that. It looks like it wants to count my March paycheck for March bills but the month is over. Thank you..Version: 4.34.2
✓ Great app but accounts don’t syncAs many people have said it that the app is very good. It logs for most parts of it accurately all the expenses better than other budgeting apps. However where it lags really behind is that they have not figured out a good partnership with the major banks and credit cards on how to get the synchronization perfected to be able to download the transactions seamlessly. I have problems with PNC and American Express. These are two bigger reputable institutions. I hope pocketguard really talks with those institutions and gets this fixed. If they can get it fixed which I don’t see why they can’t I will surely give them 5 stars. It’s like the restaurant has a very good atmosphere but if the food is bad somebody may not want to go back. Similarly the app is super good however if the synchronization keeps failing time to time people are going to have to decide and leave because without the transactions being able to be downloaded the app is no good which is so good in other ways. Please please fix. I am counting on PoxketGuard to come through it. Thanks.Version: 4.10
✓ Can’t syncMoving from mint to a new app. This one does not sync up for initial set up with 3 out of 5 big banks. Asks for 2FA every time but times out. Tried reaching out to customer support. No reply for over a week. Nothing in junk mail..Version: 5.4
✓ Continuous 500 errors renders the app uselessComing from Level App I have spent a long time testing out various finance apps that could replace it. PocketGuard is by far the best solution feature for feature however for whatever reasons my bank account needed to be reconnected but error’d our every time I tried to update. It also error’d out when I tried to delete the scout all together and re-ad. Finally I went to the website and update, which worked but error’d out on the app when I tried refreshing. As a last resort I deleted the app and reinstalled and now it errors out when I try to sign in! I don’t see a way to submit feedback via the support tool on the app so a review is the only place I can resort to. Please fix this so I can adjust my review appropriately! Thank you.Version: 3.6.4
✓ Couldn’t Even Start Using ItI downloaded the app and tried to connect my account but it said it had a error and to try again in two hours. I didn’t think of it much at first so I waited a few hours and tried again. Same problem. I was slightly annoyed but I understand sometimes things like this happen. I submitted a request to support. Got a generic message saying please detail the issue. I replied back but still haven’t got an answer. I’ve been trying every day now and it’s still giving me the same issue and still no answer from customer service. Not even someone messaging back saying “we are working on this” or “sorry about that this connection going to be down for a while. We will let you know when it’s up and running”. This app had great reviews when I originally looked to download the app but the more recent ones have been bad. Needless to say I’m going to delete the app before I even got to use it. 😔.Version: 3.20
✓ Solid but misses the pointFirst off, this app is great! I love how well it syncs with my account. It easily captures what’s bills what’s expenses and shows me how to truly save. Although this app is designed to save you money, it still is trying to monetize off of you. I think that defeats the purpose of being an app designed to save you money not take your money. Allow the features to be free. The moral and ethical thing to do would be that as it is a budgeting tool. That’s my only complaint for the 3 stars but why it’s not 4 stars because the whole principal is to save, not to spend. Keep up the great work developers and I hope the app can eventually be free with all features!.Version: 3.19.2
✓ Ok but not greatIt’s ok but very disappointing. I wanted to try it for free first to ensure it was what I was looking for since mint is going away. Free version wasn’t much help as you are limited to 2 accounts so I had to upgrade to see the full potential of the app. It connected to my accounts but it’s constantly out of sync with my account and hitting “refresh” doesn’t do anything at all. It also doesn’t have the option to connect to all institutions like MBNA and WealthSimple isn’t available which is a bummer as that’s where all my investment accounts are. Overall it’s an ok app if you have 1 or 2 accounts at the major banks but if you’re like me with accounts and investments all over the place with smaller institutions, you’ll be very disappointed..Version: 5.4
✓ Account Syncing is GarbageBank accounts either need to be resynced multiple times per day or, if using Plaid, won’t sync for days on end despite other apps being able to update regularly with Plaid. Support is not help at all. Don’t waste your time and certainly not your money..Version: 5.4
✓ Need More 4 CanadiansOnly could connect one bank, no credit cards and stuff… also the “Add to Siri” button is not working..Version: 5.1.1
✓ Avoid if you're CanadianMany issues with Canadian issuers..Version: 5.4.1
✓ Not ideal for CanadiansThere’s a lot of banks and investment accounts that cannot be synced because they are Canadian accounts. Scotiabank, for instance, won’t sync an account from Canada and Sunlife investments can’t be synced by Canadians..Version: 4.23.1
✓ Lacks some key featuresGreat app, sync works well mostly. However a feature that’s lacking is the ability to manually add transactions to accounts. This is only available for cash accounts..Version: 5.4.5
✓ DisappointingI bought this to take over for mint being shut down and it’s such a disappointment. First one of my bank accounts just randomly stopped syncing, so I got told to add it in a different way, did that, now everything from those accounts is doubled. My whole budget is wrecked now and I can’t remove the account that won’t sync. Absolute waste of 100 dollars do not waste your time or money, this is not a good budget app..Version: 5.3.0
✓ Banking Stopped SyncingMy wife and I bough the year long package as mint is going out out of business. We had used mint for years with no issues. We used the free trial on pocket guard and it was all working for a little over a month then bought the program. Then we got a message saying our banking isn’t able to sync “Error 908” we’ve emailed 3 different times and gotten the response of “IT is looking in to it and will get back to you soon”. Now despite paying for the app, it has be completely nonfunctional for over a month. Not impressed. If it goes on for another week we’ll just use a different software. We were really wanting to take control of our money habits, but waiting months for IT to fix their issue isn’t working. *****Do not buy this program****.Version: 5.3.0
✓ Great app - with some bank issuesI think this app is great overall. Compared to other budgeting tools this is the best one I’ve used. I would even consider upgrading to the subscription, but I have serious problems with how it connects to my bank. My bank requires MFA to connect and so I am constantly needing to re-authorize in order to link the account. First, the notifications are annoying because I’m reminded of the issue multiple times a day. Second, I never had this issue when I was using Mint or another app for budgeting. I don’t know if this is a bug, but this is very frustrating because I like the app a lot in every other aspect. I think MFA is important, but I would rather have to do that to log into the app, and not have that be the cause of not syncing between the app and my bank..Version: 4.15
✓ Not great if you’re CanadianCan’t get any accounts to sync. It just loads forever. Bought premium because I loved the layout, and I managed to get ATB working properly. But no other bank I have will load. I wanted this app because it connects to account and I wouldn’t have to do things manually. Now I own premium for an app I can’t even use.Version: 4.32.2
✓ Major Syncing issuesThis app is great to use, however they have major syncing issues they need to sort out. Every time I log into the app, I’m asked to constantly sign into my online banking. If I close the app and sign in the same day, I’m still asked to log back in to my online banking. Huge waste of time, especially when I paid for almost a years worth of subscription. Great potential, poor execution..Version: 4.17.1
✓ Seems useful but constant tech issuesThe app seems good in theory but technical issues make it difficult to recommend (unless you are inputting all of your data manually). Even then I found that half the transactions I entered caused the app to freeze on a loading screen. Not sure if this is due to being in Canada but the app absolutely refuses to login to my bank and just stays on the leading screen forever. Also can’t seem to ever log in to the web browser version even though I’ve tried different computers, different browsers, clearing cookies, etc..Version: 4.37
✓ No customer supportWorks ok but I need help on some features. Still waiting to hear back. Support seems nonexistent..Version: 5.4
✓ Great, When it works (which is less these days)Worked great at the start, good customization, helped to replace Mint. I even payed for premium. But have had problems recently syncing with BMO and TD. Which makes the app useless. Hopefully these issues gets fixed soon, but not too confident they will, and from other reviews these issues seem to have existed for sometime now. Will be cancelling premium until I’m confident these issues dont pop up again..Version: 5.4.4
🙂 PocketGuard・Money&Bill Tracker Positive Reviews
PocketGuard・Money&Bill Tracker works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact PocketGuard・Money&Bill Tracker.
⛔ PocketGuard・Money&Bill Tracker Problems
