# Deserve Mobile — Next generation credit > Mobile credit card management app with password-free login and spending insights. (iPhone/iPad app by Deserve Inc..) - Source: https://appshunter.io/ios/app/deserve-mobile/id1355132601 (this page in markdown: same URL + `.md`) - Developer: [Deserve Inc.](https://appshunter.io/developer/1355132600) - Category: Finance - Price: Free - Rating: 1.50/5 from 65 App Store ratings · 103 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 148 MB - Languages: American English - Released: 2018-08-12 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/deserve-mobile/id1355132601/reviews.md ## What is Deserve Mobile? Experience the enhanced capabilities of our app designed to make your financial interactions seamless: Password-Free Login: Effortlessly access your account by entering your phone number and email. Verify with a simple OTP, providing a password-free and convenient login experience. In-App Card Numbers: Retrieve your card numbers directly within the app for a quick and secure way to access your card information whenever you need it. One-Button Wallet Addition: Simplify your digital wallet management with a single button press. Effortlessly add cards, making your payment methods streamlined for seamless transactions. Comprehensive Transaction Details: Delve into detailed transaction information to gain a comprehensive overview of your financial activity. Stay informed and in control of your spending. Transaction Grouping: Optimize your spending management with our transaction grouping feature. Easily categorize and track your transactions, making financial tracking effortless. Monthly Spending Insights: Gain valuable insights into your financial habits with our new monthly spending feature. Categories make analysis easy, providing a holistic view of your expenses. Streamlined Rewards Experience: Navigate a user-friendly rewards system within the app, making it a breeze to earn and redeem rewards. Elevate your financial journey effortlessly with our enhanced app functionality. ------------------------------------------------------------------------------------------------------------------------------------------------------------------ To learn more about Deserve, visit Deserve Website. By downloading the Deserve app, you agree to the Deserve Terms of Use. Deserve® is a venture-backed startup committed to providing essential financial services to students at U.S. colleges and universities. Cards issued by Celtic Bank. ## Key features - Password-free login - In-app card numbers - One-button wallet addition - Detailed transaction history - Transaction grouping - Monthly spending insights - Streamlined rewards ## What do users think of Deserve Mobile? Overall sentiment: negative **Pros** - 👍 Easy to use interface (for older versions) - 💳 Good starter credit card for building credit - 🔔 Real-time transaction notifications - ❄️ Card freeze/unfreeze feature - 🌍 No international fees - 💰 Cash back rewards - 🤝 Good customer service (historically) - 🆓 Free credit score access (older versions) **Cons** - 🐛 App crashes frequently when adding payment methods - 🐛 App freezes and won't load data - 😤 Confusing and non-intuitive UI design - ⚠️ Inaccurate balance reporting - ⚠️ Payments take 8-10 days to process - ⚠️ Incorrect charges and unauthorized transactions - 🔐 Security concerns and account access issues - 📱 Poor app responsiveness and performance - 🚫 Account closures without notice - 😞 Terrible customer service responsiveness - 💸 High APR rates - 🔄 Payment amount changes after submission - 🚫 No schedule payment option in new design - 📊 Inaccurate credit bureau reporting - 🔑 Login issues and authentication problems - 😤 Removal of key features in app redesign **Commonly reported bugs** - App crashes when adding bank accounts - App crashes when clicking 'more banks' option - Login button disabled - Birthday slider shows incorrect year (off by 1) - Cannot sign in after app update - Phone number verification error during login - App won't load after login (infinite loading) - Keyboard blocks verify button on login screen - App constantly logs out during multitasking - Transactions don't display or show as 'loading' - Payment amount changes after submission - Auto-pay setup fails with error message - Linked account information missing in payment screen - Recent transactions not visible - Available credit information unreliable - Email account changed without user action - App refresh causes blank screens while scrolling - Balance display shows error message instead of data - Plaid service integration broken - Cannot add card to Apple Wallet **Most requested features** - Dark mode support - Virtual card option - Face ID unlock - Credit score checker in app - Schedule payment functionality - Better payment date selection - Mint app integration - Apple Wallet support - Email login option (not just phone) - Account nicknames/labels for linked accounts - Improved notifications system - More cash back and rewards options - Ability to increase credit limit - Better app performance optimization ## Recent user reviews (10 of 103) All indexed reviews: https://appshunter.io/ios/app/deserve-mobile/id1355132601/reviews.md ### 1/5 — Worst cc ever *2025-11-04, version 1.5.4* They shut down their service without telling anyone… and then you try to pay off your card and it doesn’t show you the accurate amount owed. ### 1/5 — Terrible *2025-10-26* So far the worst credit card I have used. Inaccurate balances and unnecessary charges and transactions shows up. Cleared by entire bill stills it shows credit to be paid for the next billing cycle. ### 1/5 — Fraud credit card company *2025-09-25, version 1.5.4* Terrible user experience ### 1/5 — Account Closed with No Notice *2025-08-29, version 1.5.4* Why is this being closed??? ### 1/5 — Terrible App. Terrible Support *2025-06-04* Card was hacked while on vacation overseas. Provided documentation, pictures, timestamps, addresses showing I couldn’t have made the purchases. Won’t refund me and made me reach out multiple times just to tell me there was still nothing I could do. Will be using a different card from now on. ### 1/5 — Do not get this card. *2025-04-10, version 1.5.4* Worst credit card ever. They take 8 days for payment to reflect. So horrible. ### 1/5 — Skip Deserve Bank *2025-03-12, version 1.5.2* Garbage app. Forces you to use the INSECURE TEXT. Desktop website is even worse. UI/UX was probably done by a pot-smoking woke loser. ### 1/5 — scam behavior *2025-03-05* I have had this card since college but now 7 years in and it just feels like a scam? options arent available in the app, errors loading keep me from being able to lock my card. interface seems to have taken away more options and it just seems like a scam. going to close this account ### 1/5 — Terrible *2025-02-22* Payments take forever to post, inaccurate balance reported to the bureaus, doesn’t even report to one bureau. On top of that, customer service is horrible. Whenever you bring these issues up they just tell you to take it up with the credit bureaus. Like how am I supposed to tell them to start reporting an account they don’t even know exists? And am I supposed to contact the 2 bureaus Deserve reports to every time I make a payment so they can update the balance? This is not normal. I’m also doubting the security of the account. I noticed somehow my email was changed on my account to an email address I don’t even own?? Some company email address of someone who works at consumer direct .com? I never changed my email to this random person’s email. The only reason I even found out is because when I contacted the unhelpful support, they told me no account was associated with my email, the email that’s been on my account for years. Then I go on my account and see it’s been changed to another person’s email. Of course I change it back, and then they want to point out that I just changed it and to contact the credit bureaus if anything is wrong. I hate this company. ### 1/5 — Terrible app *2024-11-07* This app is absolute garbage you can’t manage anything and if you can it’s been hidden somewhere in the beyond. Whoever designed this you should know application design is not in the cards for you and I would purse other careers. Awful just simply awful!!!! **Developer response:** Dear User, Thank you so much for your valuable feedback! We truly appreciate you helping us improve the Deserve Mobile app. To better understand your experience, we’d love the opportunity to connect with you. Would you be open to a quick call with one of our product team members? Please connect with is here hello@deserve.com. Your insights would be incredibly helpful as we work on making improvements that will enhance your experience. We’re here to listen and make sure we’re making things better for you. Thanks again for your time and support! Best, Deserve Mobile Product Team ## Frequently asked questions about Deserve Mobile ### What does the Deserve Mobile app do? The Deserve Mobile app is designed to provide a seamless financial experience for managing credit cards. It offers features like password-free login, in-app access to card numbers, and easy addition of cards to digital wallets. Users can also view detailed transaction information, group their spending, and gain insights into their monthly expenses. ### What are the key features of the Deserve Mobile app? Key features include password-free login using phone number and email with OTP verification, quick retrieval of card numbers directly within the app, and a one-button process for adding cards to your digital wallet. The app also provides comprehensive transaction details, transaction grouping for better management, monthly spending insights with easy categorization, and a streamlined rewards experience for earning and redeeming rewards. ### Is the Deserve Mobile app free to use? Based on the provided information, the Deserve Mobile app is available for free. There are no mentions of subscription fees, paid features, or in-app purchases, indicating a free service for users. ### Who is the target audience for the Deserve Mobile app? The Deserve Mobile app is specifically targeted towards students at U.S. colleges and universities. It aims to provide them with essential financial services and tools to manage their credit cards and spending effectively. ### How does the app help with managing spending? The app offers several features to help manage spending effectively. Users can view comprehensive transaction details, group their transactions for easier categorization, and access monthly spending insights. These insights, aided by easy category analysis, provide a holistic view of expenses, empowering users to understand and control their financial habits. ## Version history (last 5 releases) ### 1.5.4 — 2025-04-10 Minor improvement ### 1.5.3 — 2025-04-02 Minor improvement ### 1.5.2 — 2025-02-13 Minor improvement ### 1.5.1 — 2025-01-30 Minor improvement ### 1.5.0 — 2025-01-23 Minor improvement ## Apps similar to Deserve Mobile | App | Rating | Price | Category | | --- | --- | --- | --- | | [Kiwi Crédito](https://appshunter.io/ios/app/kiwi-credito/id1488345108) | 4.7 (2,893) | Free | Finance | | [Restart - Mobile Banking App](https://appshunter.io/ios/app/restart-mobile-banking-app/id1576922155) | 4.0 (83) | Free | Finance | | [Cheese: Credit Builder Account](https://appshunter.io/ios/app/cheese-credit-builder-account/id1519261561) | 4.6 (1,787) | Free | Finance | | [SeedFi](https://appshunter.io/ios/app/seedfi/id1543834789) | 4.4 (1,128) | Free | Finance | | [cred.ai](https://appshunter.io/ios/app/credai/id1393703565) | 4.8 (6,400) | Free | Finance | | [Petal Card](https://appshunter.io/ios/app/petal-card/id1400353064) | 4.7 (10,649) | Free | Finance | ## More apps by Deserve Inc. - [Deserve Cards](https://appshunter.io/ios/app/deserve-cards/id1489277226) All apps by Deserve Inc.: https://appshunter.io/developer/1355132600 --- *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 2026-06-10.*