Spruce – Mobile banking

67 reviews

Free

Get app

Details about Spruce

Released
Updated
iOS Version
Age Rating
Size
Devices
Languages

January 5, 2022
October 1, 2024
13.0+
4+
229.21MB
iPhone, iPad, iPod
English

Features

Supports Wallet

Developer of Spruce

HRB Tax Group, Inc.

⭐️4.4 / 5

Rating↘︎

🙌2.2K

Ratings

📼10 scs

Media↘︎

📦~ in 2 weeks

Updates frequency↘︎

📝8+ topics

Topics↘︎

📌10 available

Review highlights↘︎

🗣❌ unsupported

Your locale

🖼️Download

Icons↘︎

Reviews Summary
Versions+1
Price History
Description
FAQ

Summary of user reviews for Spruce

Positive highlights

🔍

This app hasEasy to navigate app with a simple interface

💳

This app hasConvenient for direct deposits and managing finances

💰

This app hasNo hidden fees or charges

🏦

This app hasTrusted brand in partnership with H&R Block

💸

This app hasHelps with savings goals and budgeting

Negative highlights

⏱️

This app hasSlow processing times for check deposits and fund transfers

🔒

This app hasSecurity concerns with the app not recognizing users

📞

This app hasPoor customer service and difficulty reaching support

🚫

This app hasLimited functionality in terms of external account transfers

🐛

This app hasFrequent app crashes, bugs, and glitches reported

Version History of Spruce

4.11.0

September 25, 2024

When it comes to your money, the more you know, the better. With this release, you can now see the date funds will be available in your account when you deposit checks or transfer money. We've also fixed some bugs to help your experience run smoothly. Speaking of knowing more, we'd love to hear your thoughts! Let us know how we're doing any time by writing a review.

4.10.0

September 10, 2024

It's early September, and you know what that means - it's time to pretend like it's fall! Pumpkin spice is beginning to waft, and Leif is ready for a change. In this update, we've made some bug fixes and improvements that will help us serve you better in the future. We don't want you to miss out on all Spruce has to offer, so update the app today!

4.9.0

August 13, 2024

We're doing a bit of housekeeping to tidy up as summer draws to a close. In this update, we've made some under-the-hood upgrades for a smoother app experience. You may also notice a few design changes we think you'll enjoy. Update the app and finish out your summer strong with Spruce!

4.8.0

July 11, 2024

Hello, We're back again with some exciting updates from Spruce! Stay on top of your account with our new balance notifications feature. You'll never miss any spending transactions again! We've given the app a fresh look with updated designs to make your Spruce experience even more enjoyable. We've also squashed some bugs and made enhancements to improve the app's performance. Thanks for your support. Stay tuned for more coming your way!

4.7.1

June 20, 2024

Welcome to Spruce! This release includes usability enhancements and bug fixes.

4.7.0

June 7, 2024

Hi, Spruce friends! We've freshened up the app with some minor bug fixes and completed some work behind the scenes to prepare for upcoming features. In the meantime, update the app to keep things running smoothly. Have you opted in to earn interest on your savings yet? All Spruce account holders are eligible, and as always, no minimum balance is required. Show your savings some love and opt in today.

4.6.0

May 24, 2024

Summer is almost here and we’re helping you stay cool with your finances! This time, we’ve improved our chat function so you can continue to get help when you need it. We’ve also included the ability to change your physical address right from the app—use the time saved to enjoy the sunshine. Stay updated to make sure everything continues to run smoothly. Spruce customers can now earn interest on their savings with no minimum balance required. Opt in to earn interest and grow your savings!

4.5.0

April 26, 2024

Spruce customers can now earn interest on their savings with no minimum balance required! Opt in to earn interest and grow your savings. This release is packed with updates to make Spruce even better. We're excited to announce Spruce is now part of the Plaid network! This means you can connect securely to other financial apps and services to move money and sync your Spruce data. We've also improved the signup and login experience, and the app's overall look and feel. Update and see what's new!

4.4.1

April 19, 2024

Spruce customers can now opt in to earn interest on their savings. All Spruce account holders are eligible, and as always, no minimum balance is required. In this update, we've also done some usability enhancements and bug fixes. Update the app to see what the hype is all about!

4.4.0

April 5, 2024

Starting April 5th, Spruce customers will be able to opt in to earn interest on their savings. All Spruce account holders are eligible, and as always, no minimum balance is required. In this update, we've also done some spring cleaning to make it easier to sign in and set up your account. Update the app to see what the hype is all about!

Description of Spruce

Spruce is a mobile banking app that offers financial tools to help you manage your money. Take care of your daily finances with a Spruce Spending account while budgeting for long-term goals with a Savings account. Whatever your financial goals, Spruce is here to help you build a better relationship with your money. Be sure to check out our latest feature: high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account today. With your very own Spruce accounts, you can also enjoy: No sign-up fees No monthly fees No minimum balance requirements No credit check Become a saver! You don’t have to sacrifice what you love to save—set a Saving Goal in Spruce and use automated deposits to make it even easier to reach your goal. Then, opt in to make your money work even harder for you with 3.50% APY*. Sit back and let Spruce categorize your transactions for you, then use the Watchlist feature to keep an eye on the categories that matter most. Watchlist not only helps you keep track of spending but also allows you to set monthly income goals to help you stay ahead each month. QUICK START TIPS 1. Download the Spruce mobile banking app. 2. Create a super secure password with at least 8 characters. 3. Sign up for your Spruce Spending and Savings accounts. 4. Explore the Spruce navigation menu: ---My Life. See a snapshot of your balances and recent transactions. ---Spending. Review your debit and deposit transactions. ---Move Money. Move money between accounts. ---Saving. Create Saving Goals, turn on Round Ups, and opt in to earn 3.50% APY*. ---Credit. Check your credit score and learn more about improving your credit. DISCLAIMERS Spruce is a financial technology platform built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. * The Annual Percentage Yield (APY) is accurate as of 06/07/2024. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.   ∞ Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. # Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details. ^ Spruce℠ ± Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details. ≠ Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.

Show less

Spruce: FAQ

Can Spruce be used on an iPad?

Yes, Spruce is available for iPad users.

Who developed the app?

The creator of Spruce is HRB Tax Group, Inc..

What is the minimum iOS version supported by Spruce?

To function properly, the app requires at least iOS 13.0.

How do users rate the app?

The overall user rating of the Spruce app is 4.4.

What is the category of the Spruce app?

Spruce Relates To The Finance App Genre.

What is the latest Spruce version?

The current version of the Spruce app is 4.11.0.

What is the date of the most recent Spruce update?

October 1, 2024 is the date of the latest update of the Spruce app.

What is the specific date when the app came out?

Spruce officially launched on February 6, 2023.

What age is suitable for the Spruce app?

Spruce is considered child-appropriate and rated HRB Tax Group, Inc..

What languages are available on Spruce?

The following list of languages is supported by the Spruce app: English.

Does Apple Arcade provide access to Spruce for its subscribers?

No, Spruce is not featured on Apple Arcade.

Can users make in-app purchases in Spruce?

Unfortunately, users cannot make in-app purchases within Spruce.

Does Spruce provide support for Apple Vision Pro?

No, Spruce does not provide support for Apple Vision Pro.

Are users exposed to ads in Spruce?

No, users are not exposed to ads in Spruce.

Screenshots of Spruce

Alternatives to Spruce

Walmart MoneyCard

Green Dot Corporation

(6.9K)

Spruce vs Walmart MoneyCard

4.4 / 4Score

Aspiration - Mobile Banking

Aspiration Partners Inc

(30K)

Spruce vs Aspiration

4.4 / 4.7Score

Wirex: All-In-One Trading App

Wirex Limited

(723)

Spruce vs Wirex

4.4 / 3.7Score

Novo - Small Business Checking

Novo Platform Inc.

(16K)

Spruce vs Novo

4.4 / 4.8Score

T-Mobile MONEY: Better Banking

T-Mobile USA, Inc.

(39K)

Spruce vs T

4.4 / 4.9Score

Lili - Small Business Finances

Lili Financial Services LTD

(6.6K)

Spruce vs Lili

4.4 / 4.6Score

Found: Business Banking

Indie Technologies Inc

(19K)

Spruce vs Found

4.4 / 4.8Score

Zap Solutions, Inc

(18K)

Spruce vs STRIKE

4.4 / 4.7Score

Juno - Buy Bitcoin & Litecoin

CapitalJ Inc.

(1K)

Spruce vs Juno

4.4 / 3.5Score

Coinme: Buy Bitcoin & Crypto

Coinme Inc.

(4.9K)

Spruce vs Coinme

4.4 / 4.6Score

Consult Insure

Momentum Metropolitan Life Ltd.

(0)

Spruce vs Consult Insure

4.4 / 0Score

Vlow Productions

(1)

Spruce vs My Crypto List

4.4 / 5Score