WeMoney is a free Australian app built around debt payoff, free credit scores and a social community, funded by connecting you to lending and product offers. Cleer Money is a paid, offers-free app focused purely on spending awareness. Choose WeMoney if you want free tracking, your credit score and debt tools. Choose Cleer Money if you want a focused, ad-free and offer-free way to understand your spending.
Side by side
| Feature | Cleer Money | WeMoney |
|---|---|---|
| Approach | Wants vs needs awareness | All-accounts tracking, debt payoff, credit score |
| Price | $6.99/mo or $69.99/yr AUD | Free |
| Monetisation | Subscription only | Free, funded by lending and product offers |
| Credit score | No | Yes, Equifax and Experian |
| Community features | No | Yes, social and comparison features |
| Categorisation | Wants vs needs, learns preferences | Automatic categories |
| Data access | CDR Open Banking via Fiskil | Read-only via data aggregator |
| Region | Australia | Australia |
Competitor details last checked: 7 July 2026. WeMoney's features and funding model can change, so re-check before you rely on this.
Where WeMoney is stronger
It is free, includes free credit score monitoring, has debt consolidation tools and a large community and connects a wide range of account types. If you want one dashboard for everything, including your credit score, WeMoney does far more than Cleer Money.
Where Cleer Money is different
No ads and no product offers, a single behavioural lens of wants versus needs rather than a broad dashboard, plus a subscription model that means the product is not monetised by referring you to lenders. You can read more about that single lens in the money awareness method.
The short version
- Choose WeMoney if you want free all-in-one tracking with a credit score and debt focus.
- Choose Cleer Money if you want a paid, distraction-free tool aimed only at spending awareness.
Next: compare with Frollo, read the FAQ, or browse all budgeting alternatives in Australia.