# elroy - Your Money, Your Way — Save, Spend, No Fees, Easy > Accessible financial management with no credit check, no fees, and no minimum balance. (iPhone/iPad app by IDT GLOBAL PROCESSING SERVICES, INC..) - Source: https://appshunter.io/ios/app/elroy-your-money-your-way/id1612804917 (this page in markdown: same URL + `.md`) - Developer: [IDT GLOBAL PROCESSING SERVICES, INC.](https://appshunter.io/developer/1327986105) - Category: Finance, Lifestyle - Price: Free - Rating: 3.42/5 from 40 App Store ratings · 28 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 100 MB - Languages: English, Spanish - Released: 2022-07-20 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/elroy-your-money-your-way/id1612804917/reviews.md ## What is elroy? Elroy: Simplify Your Financial Life Join Elroy and experience a seamless, accessible, and rewarding financial journey. Whether you have an SSN, ITIN, or neither, Elroy welcomes you to manage your finances with ease. Key Features: • No Credit Check: Open your account without any credit requirements. • Transparent Fees: Enjoy financial services with no hidden charges. • No Minimum Balance: Maintain any balance that suits your needs. • No Foreign Transaction Fees: Spend globally without extra costs. Our Commitment: We are dedicated to providing inclusive and efficient financial services for everyone. With Elroy, you can manage your money securely and effortlessly. Current Services: • Access to Historical Data: Seamlessly view your past account information. What’s Coming Soon: • New Banking Partner Integration: Enhanced banking services and features are on the way. • Improved Financial Solutions: Stay tuned for new offerings designed to simplify your financial management. Important Notice: We’re transitioning to a new banking partner due to previous platform issues. If you had an Evolve account, we are in the process of redistributing your funds securely. Our services will resume shortly with enhanced features and improved security. Thank you for your patience during this transition. Disclosures: IDT Payment Services, Inc. DBA elroy.app is a financial technology company, not a bank. Your deposits will be insured up to $250,000 through our new banking partner upon completion of the transition. Further details will be provided as we finalize this process. Money transfer services are provided by IDT Payment Services, Inc., a licensed money transmitter (NMLS 935577, MA FT935577), or IDT Payment Services of New York LLC, licensed as a Money Transmitter by the New York State Department of Financial Services. 520 Broad Street, Newark, NJ 07102. ## Key features - No credit check required - Transparent and no hidden fees - No minimum balance needed - No foreign transaction fees - Access to historical data - Inclusive financial services ## Recent user reviews (10 of 28) All indexed reviews: https://appshunter.io/ios/app/elroy-your-money-your-way/id1612804917/reviews.md ### 1/5 — Elroy give me my money back !!!! *2024-08-02* I can’t spend or use my money for long time , I contact Elroy ago 2 months ago and not resolved my case **Developer response:** Hi Marcocosta84, We apologize for the inconvenience you’ve experienced. Our partner, Synapse, has gone out of business, impacting millions of customers. We're in the process of transitioning to a new banking partner who will be distributing funds shortly. We're working diligently to resolve any issues as quickly as possible. We appreciate your patience and understanding during this transition. For immediate assistance, please contact our support team at support@myelroy.com or 1-888-909-3886. Thank you. ### 1/5 — DON’T WASTE YOUR TIME ON THIS!!! *2024-06-21, version 2.24060.0* This is a joke! I’ve had the worst banking experience of my life with this company! When I should’ve received my deposit, all of the sudden I couldn’t access my account! I called them and the guy said I would be getting a call back either later that day or the next day. A week went by and I called again. I still couldn’t access my money and no one could advise me anything on my acct. That guy told me the same thing as the first guy, except that one told me it wouldn’t be that day or the next most likely to get a call back about my acct. He said the just be patient a little while and someone would call me to help resolve it. I waited weeks on access to a fairly decent amount of money golf mine that I never got! Nor did I ever even get a return call. All they had to do was tell me that my deposit had been returned to the company that made the deposit. I finally found out weeks later when the company that made the deposit called and told me it had been sent back. All Elroy had to do was tell me that much and it would’ve made everything totally different. And I could’ve accessed my money a lot sooner and easier. But like I said, no one would even give me that much info. And to not even call the customer back from lot one but two calls made to them is absolutely horrible business etiquette! No respect for the customer whatsoever! I wouldn’t waste my time or money messing with these folks. And if you ever need an answer about something financial with your account, good luck getting someone to acknowledge you and answering you in any reasonable amount of time or at all even. It’s like they don’t care about the people who are helping build and shape their entire business. Also, there are considerable restrictions and limits on the Basic account, so if you need an account with regular banking features, unless you are willing to pay for the account (and trust me, there are numerous apps and companies that you can get a much better account without a ton of limits for no fee every month), this company is a terrible choice! ### 1/5 — No puedo retirar mi dinero *2024-05-22, version 2.24051.0* Llevan casi un mes sin poder hacer transacciones ni recibir ni retirar, tengo dinero allí y no hay forma de poder sacarlo re mal ### 1/5 — Simply horrible *2024-05-21, version 2.24051.0* I have more than a week trying to use the money I have in the app and they simply say that there is an error in the system and they don’t let me use my money, according to them they have already sent my card and I already have 2 weeks waiting for that ### 1/5 — Horrible app stole my money 275$ won’t let me log back in *2024-03-04, version 2.24022.0* Horrible ### 1/5 — Unethical company!!! *2024-02-28, version 2.24021.0* Do NOT waste your time with Elroy. They are an unethical company. After using their app and complying with the new user deposit terms, they decided NOT to honor the terms to pay out the bonus. After asking them to close my account and cut me a check for my balance, they said they don’t cut checks under a certain amount and that the funds would be kept by them…how is this legal?!? STAY AWAY! ### 1/5 — Work on your costumers *2024-02-06, version 2.24010.0* You people delay on when someone account is block or lock to attend to the person to fixed And also you people can’t find things for someone when he need help from you people and if hard for you people to see something to someone account to fixed improv it well and make it better cause the account is good to be used so you people have to work on it and manage things better because what happen to me I called and it can’t be solved for me for hours now no one attend to me back for feed back how and why then block/locked my account ### 5/5 — Best Banking App! *2024-01-31, version 2.23112.0* App is so fast and easy, setup in less than 1 min! Also it has so many benefits from highest interest rate on the market, no fees, no minimums and I can set up direct deposit and get paid up to 2 days early. Finally a bank that works for me!! Thank you Elroy ### 5/5 — Easy to Use *2024-01-24, version 2.23112.0* Thanks for providing another bank avenue with great new features. All Veterans no matter what age can benefit from ElRoy! ### 1/5 — La idea de banco está bien pero *2024-01-19, version 2.23112.0* Todo son problemas y nunca resuelven nada, conectar el banco pasar dinero y todo lo que ello convenga, en fin solo es funcional para enviar dinero pero desde la app de bossRevolution ## Frequently asked questions about elroy ### What does elroy do? Elroy is a financial management app designed to simplify your financial life. It offers services like saving and spending money with no hidden fees, no credit checks, and no minimum balance requirements, making financial management accessible to everyone. ### What are the key features of elroy? Key features include no credit check to open an account, transparent fees with no hidden charges, no minimum balance requirements, and no foreign transaction fees for global spending. It also provides access to historical account data. ### Is elroy free to use? The app is free to use, with the monetization model being 'free with in-app purchases'. While core services are offered without charge, there may be additional features or services available through in-app purchases. ### Who is elroy for? This app is for individuals who want to manage their finances easily and affordably. It's particularly beneficial for those who may not have a credit history or prefer banking services without strict requirements like minimum balances or credit checks. ### What is the current status of elroy's services? Elroy is currently transitioning to a new banking partner due to previous platform issues. Services will resume shortly with enhanced features and improved security. Funds from previous Evolve accounts are being securely redistributed. ## Version history (last 5 releases) ### 3.24120.0 — 2024-12-19 Lots of updates in this version to make your experience better! - Simplified home screen - Bug fixes - and much more ### 3.24110.0 — 2024-12-02 Lots of updates in this version to make your experience better! - Simplified home screen - Bug fixes - and much more ### 3.24100.0 — 2024-11-07 Lots of updates in this version to make your experience better! - Simplified home screen - Bug fixes - and much more ### 2.24082.0 — 2024-08-30 Lots of updates in this version to make your experience better! - Simplified home screen - Link your EBT to see your balance and transactions - Bug fixes - and much more ### 2.24081.0 — 2024-08-28 Lots of updates in this version to make your experience better! - Simplified home screen - Link your EBT to see your balance and transactions - Bug fixes - and much more ## More apps by IDT GLOBAL PROCESSING SERVICES, INC. - [BOSS Revolution: Call & Top up](https://appshunter.io/ios/app/boss-revolution-call-and-top-up/id586745548) - [BOSS Money Transfer. Send Fast](https://appshunter.io/ios/app/boss-money-transfer-send-fast/id1169518032) - [Koala!](https://appshunter.io/ios/app/koala/id1513327184) All apps by IDT GLOBAL PROCESSING SERVICES, INC.: https://appshunter.io/developer/1327986105 --- *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.*