# Balance Money — Take control of your finances > Personalized banking solution for financial control, budgeting, and goal achievement. (iPhone/iPad app by Balance Technologies, Inc..) - Source: https://appshunter.io/ios/app/balance-money/id1589111172 (this page in markdown: same URL + `.md`) - Developer: [Balance Technologies, Inc.](https://appshunter.io/developer/1589111174) - Category: Finance - Price: Free - Rating: 4.48/5 from 23 App Store ratings · 13 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 84 MB - Languages: English - Released: 2022-07-19 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/balance-money/id1589111172/reviews.md ## What is Balance Money? Sign-up in minutes | No Fees* | No Credit Checks Balance Money® is a personalized-banking solution built to empower you, giving you more control of your finances. We automate everyday financial tasks, provide budgeting tools and give insights aimed at helping you achieve your financial goals. After all this app was built for YOU! Under the covers we are using some fancy tech like Artificial Intelligence and Machine Learning but we won't bore you with all that. What really matters is empowering you and giving you the control you need with your money. 
What you get with Balance Money: 
 1. The Balance Money App that automates your financial life! 2. A Spending account, to help you spend smarter. 3. Goals accounts, to help you save money and achieve what is important to you. 4. Effortless Bills account, never pay a late bill again! 5. The Balance Money Visa® Debit Card. 6. Get paid before your friends with Early Payday - Get Paid Up to 2 Days Early. 7. No Fee ATM Access using ATM's in your neighborhood at national retailers like 7-Eleven®, Walgreens®, CVS®, Costco®, and more! 8. No Monthly Minimums or Required Fees. Opening a Balance Money account will not affect your credit score. Learn more at www.balancemoney.com -------------- *Banking services provided by Community Federal Savings Bank, Member FDIC. The Balance Money Visa® Debit Card is issued by Community Federal Savings Bank pursuant to a license from Visa U.S.A. Inc. Balance Technologies Inc. © 2022 All Rights Reserved. Balance Money is a financial technology company, not a bank. Subject to terms, conditions, and limitations. Not all services offered through the Balance Money App are offered by Community Federal Savings Bank, refer to applicable terms and conditions for additional information. ## Key features - Automated financial tasks - Budgeting tools - Financial goal insights - Spending account - Goals accounts for saving - Effortless Bills account - Early Payday access ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/balance-money/id1589111172/reviews.md ### 1/5 — DON’T WASTE YOUR TIME WITH THIS APP! *2023-09-23* I’ve had it for months and still have yet been able to create an account! And I can’t reach anyone to even talk it it about it with. I’m so frustrated! I wouldn’t waste my time if I were you! ### 1/5 — couldn’t sign up *2023-04-22* was looking forward to using this but the camera on the id section to sign up doesn’t work :(( ### 5/5 — This is the best online banking experience! *2023-03-02* This is the most intuitive online banking app that has helped me manage my money. It never charges me fees and is so easy to use. My favorite feature is the Budgets. It’s like a cash envelope and I can manage all my sinking funds in one place. Budgeting is quick and easy! No more worrying about if I have enough to cover my bills or wondering if I will get a fee. With Bills, everything is covered and set aside. With the safe to spend amount, I can spend knowing I won’t be short for a bill. I closed my account that I had for 20 years because I have so much more money now that I have Balance! ### 1/5 — Terrible Customer Service *2022-10-28, version 2.3.6* I stumbled across Balance Money app when looking for an alternative to One Financial after the revamp and removal of key features. Balance Money was first finTech that appeared to have a model that was identical to Simple Bank which was the bank I used prior to its shuttering and have been looking for an equal alternative since. Everything started out fine. I had some issues connecting the my Qube (which I had been piloting) account to Balance but other then that I was prepared to migrate from Qube and One and make Balance my primary bank. Shortly after receiving and activating my debit card and establishing transfers of approx. 10K I suddenly could no longer log into my account. After several attempts (using the correct password) I attempted to reset my password only to be greeted with a message that my account was locked. I called customer service and was pleasantly connecting to someone nearly immediately. However, with no troubleshooting or further inquiry I was told they would have tech looking into it. No information on timing nor an email confirmation or case no. was provided. After a day or two of no correspondence I reached out again to customer service. This time I did not get anyone on the line in a timely manner but did get a callback some hours later. This time I was told they were aware of my case and the tech was still investigating and they would get back to me the same day. I got no further correspondence. After this point I was unable to reach customer service at all. I made serval calls to customer service that simply were dropped despite saying I had a two minute wait as well as options for callbacks that never happened. I also emailed customer service via app to no avail. Not even an email acknowledging they had received my inquiry. Finally after week+ of someone called me back in response to another failed attempt to speak to someone (I didn’t actually request a callback). I was finally told that my account was closed due to TOS volition however they failed to be able to tell me what the supposed TOS volition I had done and left me with no COA. Which you can imaging is pretty frustrating and somewhat infuriating. And while this might make sense for say suspicion of fraud and not divulging practices and methods I’m unclear why an alleged TOS volition would not be communicated. One thing Simple Bank had was excellent customer service and Balance Money has been an outright disaster on that front. Thankfully my 10K in transfers did not go through to leave me in limbo and unable leverage that money. For a week plus I wasn’t sure if I’d been scammed or the company was going out business. This is exacerbated by the newness of the venture and very little information on the internet and various social channels. The failures of One and Simple continue to erode trust in Fintechs and for Balance Money continues that trend. For now after decade plus I’m again make my primary bank the well established one I’ve been customer of for nearly 30 yrs and use Das Budget. ### 5/5 — Feeling financially better now *2022-10-10, version 2.3.6* I wasn't keeping enough money for the things that really mattered. Balance has helped me see where I'm not managing my money as well as I should be. I hope this app helps other people the same way it's helped me. ### 5/5 — Finally - complete financial automation / control!! *2022-09-14, version 2.3.1* I've been using this app for several months (participated in the beta) and my finances have NEVER been more simple. Sure, it takes a minute to set up and learn (still learning!). But if you take the time to do it proper - you'll be SUPER STOKED you did!! After creating your various 'budgets', bills, and financial goals, every time you get paid, Balance automatically (and quietly) shifts your funds to satisfy these pre-defined 'budgets'. So any time a bill is due, I know it's ALREADY TAKEN CARE OF (cuz Balance already put the money aside.. Keep in mind, some of these 'budgets' are actually unique debt accounts with seperate routing numbers, debt card info, etc) so, it's some incredible genius automation. Idk how they do it but it's also a very easy to use app, clean dashboard, and very simple UI/interface overall. The dashboard /home screen quickly shows you exactly where your money is currently sitting and how much is "safe to spend". And what's crazy is they're just GIVING IT AWAY FOR FREE! Could easily charge for this tech just saying. Enjoy! ### 5/5 — Saving for my goals *2022-08-08, version 2.1.1* Balance money helps me buy the things I want without having to even think about saving. Each payday my goals get automatically filled little by little, and it feels accomplishing. I also love the round up feature to save on a specific goal even faster! ### 5/5 — Amazing app! *2022-08-05, version 2.1.1* Well designed and easy to use app. I love the budgeting and planning aspects of this company. It’s the best I’ve seen by far! ### 5/5 — Game Changing! *2022-08-03, version 2.1.1* This app is game changing when it comes to budgeting and managing my finances. Balance Money is basically Dave Ramsey in your phone. After a few months of using the budgets feature, I am confident where my money is going to go and have an ability to start saving for the future. ### 5/5 — Fantastic app!!! *2022-08-02, version 2.1.0* Great app to help meet financial goals, regulate budgets, save for big-ticket items based on your pay, and manage bills. Love! ## Frequently asked questions about Balance Money ### What is Balance Money? Balance Money is a personalized banking solution designed to automate financial tasks, provide budgeting tools, and offer insights to help users achieve their financial goals. It offers a spending account, goals accounts, and effortless bill management. ### How does Balance Money help with saving money? Balance Money features dedicated 'Goals accounts' that help users save money and achieve what is important to them. The app provides insights aimed at helping users reach their financial goals. ### Can I get paid early with Balance Money? Yes, Balance Money offers 'Early Payday', allowing users to get paid up to 2 days early. This feature helps users access their funds sooner. ### Are there any fees associated with Balance Money? Balance Money states 'No Fees*' and 'No Monthly Minimums or Required Fees'. Banking services are provided by Community Federal Savings Bank, Member FDIC. ### Does opening a Balance Money account affect my credit score? No, opening a Balance Money account will not affect your credit score. This is a key benefit for users concerned about their credit rating. ### What devices is Balance Money available on? Balance Money is available on iPhone, iPad, and iPod. It is designed for iOS devices. ### How often is Balance Money updated? The latest version of Balance Money is 2.4.3, which was last updated on January 19, 2023. This indicates a relatively active development cycle. ### What is the user rating for Balance Money? Balance Money has a rating of 4.5 stars based on 23 ratings. This suggests a generally positive user experience. ## Version history (last 5 releases) ### 2.4.3 — 2023-01-19 Release Notes - Joint Accounts - Easy refill button on Bills - General bug fixes ### 2.4.2 — 2022-11-11 Release Notes - Autopilot Setup, Automatically setup Bills, and budgets from your current Bank - General bug fixes Want to share your feedback? We'd love to hear from you! Drop us a line at hello@balancemoney.com or press the support button in the app. ### 2.3.6 — 2022-10-04 Release Notes - Migration tool to help you move your finances to Balance - General bug fixes ### 2.3.5 — 2022-09-20 Release Notes - Helpful guides to show you the app - General bug fixes Want to share your feedback? We'd love to hear from you! Drop us a line at hello@balancemoney.com or press the support button in the app. ### 2.3.4 — 2022-09-16 Release Notes - Helpful guides to show you around - General bug fixes Want to share your feedback? We'd love to hear from you! 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*