# CardWise Mobile — user reviews > 117 indexed App Store user reviews of CardWise Mobile by CO-OP Financial Services, rated 5.00/5 from 2 ratings. - Source: https://appshunter.io/ios/app/cardwise-mobile/id6443944493/reviews - App overview in markdown: https://appshunter.io/ios/app/cardwise-mobile/id6443944493.md - Rating breakdown: 5★ 2 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 0 ## What do users think of CardWise Mobile? Overall sentiment: negative **Pros** - ✅ Easy account setup process - 💳 Clear display of card balance and details - 📱 Mobile app functionality works for some users - 🎯 Useful transaction tracking features - 📊 Good transaction detail information **Cons** - 🐛 Frequent login failures and authentication issues - ⏱️ App timeouts and slow performance - 🔐 Broken password reset and recovery system - 💔 Non-functional payment processing - 📧 Security token delivery failures - 🚫 Outdated 18+ content rating blocking access - 😤 Poor customer support responsiveness - 🔄 Inaccurate balance updates - ❌ Unreliable autopay functionality - 🎨 Clunky and confusing user interface - 📱 App crashes and hangs frequently - 💸 Greedy overdraft fees and policies - 🌐 Website equally broken as mobile app - 📄 Missing statement and export features - 🔀 Inconsistent currency display (USD/CAD mix-up) - ⚠️ Payments not processing or reversing unexpectedly - 🚫 Cannot add payment methods or accounts - 📵 Server connectivity issues - 🔑 Password requirements validation broken **Commonly reported bugs** - Security token never arrives via email or SMS - Password reset emails not received - Forgot username/password features non-functional - Credit card information not recognized in recovery - Birthday input validation rejects valid dates - Password special character validation broken - App timeouts when adding payment methods - Payment processing fails or times out - Balance not updating after transactions - Autopay fails to process scheduled payments - Payments reverse days after submission - App crashes on login with Face ID enabled - Cannot scroll to payment section - Payment function unavailable error messages - App cannot connect to server despite good connection - Duplicate card information displayed - Account lockouts without user action - Password changes forced but new password rejected - Session timeouts during critical operations - Incorrect due date displays **Most requested features** - SMS transaction notifications - Digital card display in app - Full statement PDF export capability - Print statement option - Real-time balance updates with purchases - Exchange rate display in transactions - Support for multiple credit cards per account - Proper 18+ rating correction - Copy/paste password manager support - Same-day payment processing before 5 PM - Autopay reliability improvements - Dark mode option - Better password requirement clarity ## Newest reviews (16 of 117) ### 1/5 — Hate *2026-02-08, version 25.1.0* Hate this app. Hate this credit card. So inconvenient, get any other credit card. Makes me change my password so often and always gives me issues with login. By the time they send me the forgotten password code it’s expired. Can’t get into my account. ### 1/5 — Terrible app *2026-02-06, version 25.1.0* This app is pretty bad. It’s almost like viewing something that’s not made for mobile- but it’s an app, so…? Different issue every day. Today I had a hard time logging in and now that I’m in I can’t scroll up to actually get to the part where I can make a payment. This would be a primary function of the app so it’s a bit concerning that it really makes making a credit card payment hard! Last month, I logged on to make a payment and the app kept saying that function isn’t available, try again later. All day. So never wait until a payment due date to try to pay your bill on this app, you may find you’re out of luck so best to always have a few days buffer. Bottom line, I really think this could be better. ### 1/5 — Stay away! *2026-02-05, version 25.1.0* What a painful experience. ### 1/5 — Genuinely some of the worst UX I’ve ever seen *2026-02-05, version 25.1.0* You couldn’t make a clunkier app. Half the time you have to go back and re-enter menus when you try to pay balance etc. ### 1/5 — Poor Organization *2026-01-30, version 25.1.0* Forgot my password and was sent 10 different emails with the same security token. None of them worked and now my account is disabled. Thank you Cardwise Mobile and Colabria for absolutely nothing but frustration. ### 1/5 — 18+ rating?! ZERO STARS *2026-01-24, version 25.1.0* Why is this rated 18+? This is a finance app. No other finance apps are rated 18+, that rating is for sexually explicit content. This makes no sense and messes up settings for people who want to protect themselves from some of the garbage content out there. Please adjust the rating appropriately. The app is so clunky and hardly works half the time won’t load. ### 1/5 — No longer supports SMS *2026-01-15, version 25.1.0* Very disappointed that card wise chose to discontinue sending SMS messages for transactions. This was an excellent way to catch fraudulent transactions quickly. Yes you can still get it through an email but people get tons of spam emails ### 1/5 — Suspended my account because they have illegally changed my password without my *2026-01-12, version 25.1.0* I’ve contacted this numerous times but every month they change my password legally without my permission or consent I am locked out of my account and cannot pay my bill. I’ve contacted this company numerous times. ### 1/5 — Waiting for a new credit card *2025-12-19, version 25.1.0* I’m not to happy with this company at all , Iv been waiting 10 days now for a new card and I still didn’t receive it , I keep calling them to check the status, there not to helpful. I have the app and I asked then can I see a digital copy of the card , but I cannot view it I told them . I’m getting annoyed with this company already. ### 1/5 — Deserves 0 stars *2025-12-14, version 25.1.0* You would literally be better off giving a homeless person your money to hand deliver to you credit company than use this godforsaken app. ### 1/5 — Most obnoxious password entry form in the history of apps *2025-12-14, version 25.1.0* It’s Saturday night and you’re wondering what your balance is. It should be easy. You open your app, check Face ID and it shows you. But no, not with CardWise. I’d rather go to the dentist and have teeth pulled. ### 1/5 — Arturo *2025-12-12, version 25.1.0* I fought with this app for hours at different times, totally cancelled it reloaded it, and it wouldn’t accept any Passwords, even got a lady on the phone , we couldn’t get a code so thought it would come later, it did but it still wouldn’t accept my totally new password again. I give up ### 1/5 — Horrible app *2025-12-08, version 25.1.0* It is saying my password expires and I change it and it won’t accept it and saying my username is wrong. I can’t get into the app or online, beyond frustrating! ### 2/5 — Doesnt update *2025-11-05, version 25.1.0* Paying off cards takes a long time. Due dates dont update, bare minimum app for important financial needs. Getting paid a good salary by a financial institution to make an app for what? ### 2/5 — Could be better *2025-10-30, version 25.1.0* It sometimes doesn’t allow me to go into the make payment it just loads a long time and then says it timed out even though i have decent internet ### 1/5 — Sucks so bad *2025-10-25, version 25.1.0* Locked me out of my account for no reason, then made me wait 20 minutes for the email to reset my password. ## Most critical reviews (10 lowest-rated) ### 1/5 — Cannot receive security token after password expires *2026-05-20* There’s no any notification before the password is going to expire so I can’t login and I can’t get security token to reset my password even I check my junk email, there’s nothing there ### 1/5 — This app is garbage *2026-04-20* If I could give this app a -1000 rating then I would. When I try to register as a new user and enter in my birth date, it keeps saying “Invalid format”. I have tried every format humanly possible and keep getting the same message. I’ve called support and they couldn’t figure out what’s wrong. I’ve cleared the cache and I’ve tried using my phone and laptop with no results. I even tried incognito mode. I’m seriously considering cancelling the Collabria card I just received just to not have to use this stupid app ### 1/5 — I am forced to use this app *2026-04-18* This app sucks. Every couple months it stops working and won’t load. The only fix is deleting the app and downloading again. ### 1/5 — Worst App Ever *2026-04-13* Trying to use this app with a password manager is pure hell. The app is so insanely stupid about security theatre it makes it hard to use. UI is not intuitive either. I DREAD paying my bill every month. Forced password resets are out of date for current guidelines and the person who originally came up with the idea has even retracted the advice! I just finished being forced to change a perfectly good strong secure password through the app with my password manager and it took over ten minutes of confusion and struggle (I am tech literate). What a NIGHTMARE. I want my time and sanity back. ### 1/5 — Run screaming *2026-03-27, version 25.1.0* If this is the app your credit card provider is suggesting you use, cancel the card. Processing times and transaction processing times make no sense. If you’re traveling often, good luck knowing the activity on your card and what transactions are valid or are being held. The big banks have one major advantage, integration and real time tracking of transactions and payments. ### 1/5 — This app needs work *2026-03-06, version 25.1.0* Its so hard to login, because the keyboard wont go away for me to press login. Classic janky Canadian made app. I will hardly be using this credit card. And the cherry on top, if you read the third party agreement, they want access to EVERYTHING, what you type, what you look at, your scrolling, your emails, your photos etc. I shouldnt have to give up my privacy rights just to pay my credit card or view transactions. ### 1/5 — CardWise Mobile app *2026-03-04, version 25.1.0* Honestly one of the worst app interfaces I’ve ever had to use. I am genuinely considering never using this card again because of how bad the app is. Not only is it not user friendly, i takes ages for it to load up. Certain features are just purely terrible, every-time you guys add an update it’s just extra steps that are brutal and annoying. As a bank, you’d think that you would have a bigger budget for your online banking apps but i don’t know what you guys are doing with that money cause it surely isn’t going towards making this app any better. At this point im going to switch banks but for anyone who does a lot of online banking and are constantly needing to use the bank apps, CardWise is not it. ### 1/5 — It simply doesn’t work. *2026-02-28, version 25.1.0* I’ve been trying to log into the app and website for a couple days now. It just doesn’t work. So I figured, ok maybe I forgot my password (I didn’t, but entertained the idea) so I click the “Forgot password” option, type in my email as prompted. It says it sent a security token to my email. It never arrives. So I thought okay maybe it’s the wrong email, but then I look at the history and nope, it’s the right email. I still get my monthly statements on that email. So that just doesn’t work. Next I thought okay, we’ll maybe I’m using the wrong username. So I click the “Forgot username” option. It wants me to put in my credit card info. I do it, and it tells me IT DOESNT RECOGNIZE MY CREDIT CARD. Like how am I still able to use my credit card but yet it’s somehow not recognized? So I try calling. I explain the issue, and they just tell me “the services are down right now, try later”. Very helpful. It’s been weeks now. Still the same problem. So I try emailing, literally just no reply. Absolutely dead end there. I try one last thing I could think of, which would be to choose the “new user” option and re-register my card under a new account. So I give my email, credit card info, and guess what…just when I think this will finally work I get hit with a “CardWise services are down right now” message. So I really have no choice but to go to my bank to hopefully get them to help me pay off whatever Im owing and obviously cancel the credit card. It’s not even just the app; the online website is the exact same. And there’s no helpful costumer support. There’s no active social media to contact. They will ignore your emails. They will tell you to “try again later” if you call. I highly recommend everyone stay far, far away from cardwise and any bank that uses it. ### 1/5 — Ugly Greedy App *2026-02-25, version 25.1.0* Not only does their user interface suck, it’s grotesque to look at. Plus Collabria and their greedy policy charges $35 for going over limit. They intentionally allow users to go over limit so they can charge them. Greedy and gross ### 1/5 — I would rather bank with the Mafia *2026-02-23, version 25.1.0* At least the mafia lets you make payments. The app it rated 18+, so porn filters will stop you from using it. Seriously, this is the worst piece of financial technology invented in the history of man. Your money would be safer in a pyramid scheme. ## Most praised reviews (10 highest-rated) ### 5/5 — I can’t believe the bad reviews. This app is great! *2026-05-20* I must be on a newer version than the 1 star reviewers are on because my app works flawlessly. It’s super simple and easy to use. I lost my credit card once and it was just a few steps to deactivate it and send me a new one! I was going to go through a whole complicated thing calling my card company and trying to figure something out but this app came in clutch. 5 stars well deserved 🫡 ### 5/5 — Works great *2026-03-14, version 25.1.0* Not sure why all the bad reviews. This app work great. No issues ever. See everything easily. Easy to set up notifications. ### 5/5 — Works fine for me *2026-02-20, version 25.1.0* I read all the other reviews before downloading but honestly I haven’t had any issues with the app. It shows my balance in CAD, holds all my card details, shows my point balance. Downloaded easily, hasn’t bugged out 🤷‍♀️ ### 5/5 — Works great *2025-11-18, version 25.1.0* Not sure what the bad reviews are for. I find this app a lot slicker than at my previous bank. ### 5/5 — Not the best but good improvement *2024-10-17, version 23.4.0* This app is very easy to set up. The user interface is nothing flashy but it works. It is miles better than the website or mycardinfo. ### 5/5 — Worked well with Collabria *2024-08-23, version 23.4.0* My CU just switched from “mycardinfo” to CardWise this week - and after reading these reviews, my wife and I were dreading adding this app - but we were able to get it working easily with our CU Mastercards. The trick was that we created our logins and signed up ONLINE FIRST (so we had no issue with authentication tokens) - and then added everything into the app after we were already setup. It was pretty seamless, and the app seems to be working well so far. Hopefully this helps some of you having setup issues in the future. Cheers! ### 5/5 — Game Changer! *2023-03-31* All the information I need at my fingertips! ### 4/5 — Functional *2025-03-05, version 24.2.0* Canadian. This is a perfect app for what it’s intended. Lots of great detail about transactions and lots of functions. ### 4/5 — My experience *2024-08-26, version 23.4.0* Resisted getting this app due to all of the terrible reviews. A lot of the reviews are quite recent. Was forced to get the app as the old app closed. Sign up was easy, took less than 5 minutes. Information appears quickly and in Canadian dollars. Not impressed with handling of personal information, but see no difference between most apps. It seems that you can’t rely on reviews and ratings. ### 3/5 — Fine but needs some work *2025-09-25, version 25.1.0* I like how easy it is to keep track of my credit payments on here, but something needs to be done about how when you go to make a payment on your card it just loads for a minute until saying the request took too long to process and has timed out. Makes it kind of hard to pay off my card if the app used to pay it off doesn’t even work --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*