# Difference Card Smart Mobile — user reviews > 41 indexed App Store user reviews of Difference Card Smart Mobile by EB Employee Solutions, LLC, rated 3.70/5 from 394 ratings. - Source: https://appshunter.io/ios/app/difference-card-smart-mobile/id862586851/reviews - App overview in markdown: https://appshunter.io/ios/app/difference-card-smart-mobile/id862586851.md - Rating breakdown: 5★ 239 · 4★ 26 · 3★ 9 · 2★ 18 · 1★ 102 ## What do users think of Difference Card Smart Mobile? Overall sentiment: negative **Pros** - 👍 User-friendly interface (mentioned once) - 🚀 Efficient claims submission (mentioned once) - 💡 Provider search tool (mentioned once) - ✅ Easy balance checking (mentioned once) - ✅ Direct deposit signup (mentioned once) **Cons** - 🐛 Login issues (frequent) - 🐛 Registration failures (frequent) - 🐛 Blank screens after login (frequent) - 🐛 App crashes/kicks out (frequent) - 🐛 Difficult to navigate (frequent) - 🐛 Information not easily accessible (frequent) - 🐛 Vague instructions (frequent) - 🐛 Slow loading times (frequent) - 🐛 Inability to upload PDFs/scans (frequent) - 🐛 Claim submission process confusing/difficult (frequent) - 🐛 Requires separate account from website (frequent) - 🐛 Poor UI/UX (frequent) - 🐛 App not working after updates (frequent) - 🐛 Permanent notification badge (mentioned once) - 🐛 Confusing and technical (mentioned once) - 🐛 Hard to load information (mentioned once) - 🐛 Not user-friendly (mentioned once) - 🐛 Terrible directions (mentioned once) - 🐛 Login page always pops up (mentioned once) - 🐛 Features not organized (mentioned once) - 🐛 Doesn't include all website features (mentioned once) - 🐛 Hard to submit a claim (mentioned once) - 🐛 Incompetence and indifference (mentioned once) - 🐛 Unoptimized UI/UX (mentioned once) - 🐛 Glitchy password/Touch ID (mentioned once) - 🐛 Invalid credentials (mentioned once) - 🐛 Inefficient registration process (mentioned once) **Commonly reported bugs** - Cannot log in after updates - Login button unresponsive - Blank screens after successful login - Permanent notification badge that won't disappear - App crashes or kicks user out - Registration process fails - Forgot password function not working - Cannot upload PDFs or scans - Claim submission process resets if switching apps - Square image requirement for uploads - App requires a separate account from the website - Login credentials invalid for app but valid for website - Touch ID/Face ID not consistently working - App is slow and not intuitive **Most requested features** - Easier access to Difference card payment information on homepage - Ability to upload PDFs for claims - App should remember login status after Face ID/biometric login - Include all features from the full website, like adding bank accounts - Allow uploading of EOBs for claims - Improve claim submission process to handle images/screenshots better - Notification for claim denials/messages - Make the app more intuitive and less technical ## Newest reviews (12 of 41) ### 2/5 — Doesn’t provide easy access to important information *2025-03-23* The main reason I downloaded this app was so I would have easy access to information on what the Difference card will pay and what I am required to pay when I am at a providers office. This information is not easily accessible. Instead of it being on the home page I’m still required to download a document or go to the website and open a document that is barely legible. No reason to have an app if it doesn’t give me what I need. ### 1/5 — App not working *2024-02-05, version 23.11.00* The app, login, forgot password, none of it is working. Not sure how the mark can be missed on such a basic level of customer care ### 1/5 — Not User Friendly *2024-02-04* I have had Diff Card for many years now and never have their services been user friendly except the one year or so the submissions for payment involved uploading a pic or scan of a bill. That seemed to be any easy process. All other formats gives the appearance of being simple only to lead to some point where the user appears stuck with no submission confirmation. ### 1/5 — Terrible directions *2023-11-03, version 23.08.00* I received an email telling me to go to my benefits tab. I can’t find that anywhere. This is an extremely terrible website. ### 1/5 — Cannot login *2023-01-31, version 22.11.02* I can login to the website with no problem, but the app just leaves the login button grey and unresponsive. Any sort of error would be appreciated, but it does nothing. ### 1/5 — Login Page *2021-10-27* Why does the login\sign-up page always pop up when you open the app? The app should be smart enough to know that you have an account once you’ve enabled face ID to login, and just take you to your homepage. ### 1/5 — Not great *2021-10-27* The features in this app are not at all organized and it is difficult to navigate and does not include all features from the full website including adding my bank account, so now I have to wait for reimbursement checks! Who wants to deal with checks these days?! ### 1/5 — Hard to submit a claim *2021-09-10, version 19.0.0* It used the be some easy to submit a claim. Now I think I have to download forms. I’m very confused. ### 1/5 — Can’t upload PDFs *2021-05-24* I’ve had to call customer service twice now to finally learn that you can’t upload the pdf of your EOB, which is needed to support your claim or your claim will be denied. Now I have to go to the desktop website and go through the whole process again. Defies explanation why a mandatory requirement of processing a claim wasn’t built into the app. ### 1/5 — Stay away. Scam. *2021-02-06* I have never interacted with a company with such a high level of incompetence, indifference toward customers needs, and yet superficial pleasantness on the phone. The superficial pleasantness will engender misplaced trust and lead you to call them again when their promises are unkept. The mixture of incompetence and indifference towards your needs though will finally lead you to realize this company is a scam. That they have built such a presence in New York City is outstanding considering they refuse to reimburse for services. Enrolling in The Difference Card is a mistake. Spending time collecting documents to send to them for reimbursements is a further mistake. The reason for the length of this review though, is the atrocious customer service, really the worst combination of incompetence, indifference, and false hope. Stay very far away. ### 1/5 — Terrible app *2020-12-08, version 15.0.1* The app is terrible. Telling me I don’t have an account when I literally used the same credentials to log in on my computer. Nothing against Difference card, just saying this app does not even let me log in. ### 1/5 — Incredibly difficult to use *2020-05-19* This app has given me trouble all along the way. I was unable to register even though I am positive all of my information was correct. After I was finally able to register (on a separate attempt on a separate day, using all of the same information) the process of submitting a claim is incredibly challenging. If you have to upload a picture of a receipt or explanation of benefit (required as one of the last steps) and go outside of the app to take a picture or screenshot, you have to start the entire process of submitting a claim over again. If you try to take a picture ahead of time and then upload it into the app, the picture has to be a SQUARE! A regularly sized rectangular picture will cut off some of the necessary information. Additionally, nowhere on the claim information does it ask for an explanation of benefits specifically, only for a provider receipt, so I learned, after following the app’s claim process, spending 25 minutes logging in, starting the claim, taking a picture, then having to RETAKE all the pictures as squares, log in AGAIN, start the claim AGAIN and then submit the claim, which went through, that the claim was rejected a day later for not having the EOBs. I also only learned this because it seemed as though the reimbursement was taking a long time so I logged back in and saw there was a message about my claim denial after logging in: no notification, no email. I’m convinced this program is an attempt to keep money in the hands of the insurance companies and affiliates because who in their right mind with families and children and jobs and responsibilities has time to go through this process every time they need a reimbursement. For me, it would be $10 every time I submit a claim (my provider does not take debit cards), which adds up, but it’s also just low enough where I see how the stress might not feel worth it for some. ## Most critical reviews (10 lowest-rated) ### 1/5 — Doesn’t function *2026-07-21, version 27.0.0* The app is almost always down. Won’t let you verify a bank account, won’t send you a verification code. When you call, no one can help you with any question. ### 1/5 — App isn’t loaded *2026-06-09, version 27.0.0* The app isn’t loading for me. Website is no better. It’s not like I need this or anything.. ### 1/5 — Can’t register *2026-02-05* Downloaded the app and I am not able to register. It lets me verify my email but once I make a password it says there was a problem and to try again. It still won’t let register. ### 1/5 — Webpage/App Does Not Function *2024-12-28, version 25.0.4* Good UI. Bad UX. Successful login but blank screens. ### 1/5 — Fix your update *2024-11-04* Every since your latest update there is a permanent 1 notification that will not come off the app. Everything has been opened and checked. ### 1/5 — update ruined the app *2024-10-17, version 25.0.0* can’t even log in lol account can’t be found but i was able to log in on the internet browser ### 1/5 — 10.16.24 Update Makes App Useless *2024-10-16, version 25.0.0* Prior to submitting an expense, I clicked OK when prompted to update the app. When I click on Expense, I see a text string about adding an expense and nothing else. Both options under Claims result in blank pages. ### 1/5 — Not great *2024-08-28, version 24.08.00* Hard to load information. Very vague in what you all need. The app is slow.. ### 1/5 — V.disapoint *2024-06-02, version 24.05.00* Expected all information provide by hand.Doctor ,provaider,number of provaider . You can not put epo as a scan not frendly to used .expect from client that provide all information like medical account expert . cart not accepted by same marchandes.When you put wrong sume f.e.45 not 40 card denied .You as client have to know everything. ### 1/5 — Confusing *2024-02-07, version 23.11.00* Overly technical and I believe purposefully confusing. ## Most praised reviews (10 highest-rated) ### 5/5 — Efficient Access! *2021-10-19* This App allows me to have access to my account right at my finger tip. Love this App! ### 5/5 — Difference Card app *2020-07-27, version 14.0.2* Great app! Easy to use and love the Good Buy Rx card! ### 5/5 — User Friendly Update *2020-07-23* New update to the app is very user friendly. My favorite feature is the provider search tool. Easy to check balances and sign up for direct deposit as well. ### 5/5 — Helpful App! *2020-07-23* This app is very user friendly and has everything I need to manage my account. I love how quickly and easily I can submit claims to receive reimbursement. Well done DC!! ### 5/5 — Very happy with app *2020-07-22* Once I logged into the app and realized how quickly I could submit a claim, it became so much easier and more efficient to get my money back. Also very helpful for checking my FSA balance. ### 5/5 — Fast and Simple *2020-07-22* I was able to submit my claims and get reimbursed super quick! Customer care helped me figure out how but once I did it I realized how fast and easy it was! Yay! ### 5/5 — Works well *2020-04-23* The app works well for me. Its very easy to upload claims and see if it was approved or not. ### 5/5 — Great *2018-08-08, version 7.0.1* The app is very easy to use! ### 4/5 — Finally got it working *2023-04-18* Had to uninstall the app the reinstall to get it to let me login. Now I just need them to find the deposit they lost. ### 3/5 — App is broken? *2026-03-19, version 26.2.2* What happened? After 2.5 years, I can’t get logged in. Frustrated. Must call H.Q. --- *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 2026-08-22.*