# Forma: Flexible Benefit Suite — user reviews > 149 indexed App Store user reviews of Forma by Twic Inc, rated 4.30/5 from 557 ratings. - Source: https://appshunter.io/ios/app/forma-flexible-benefit-suite/id1611112367/reviews - App overview in markdown: https://appshunter.io/ios/app/forma-flexible-benefit-suite/id1611112367.md - Rating breakdown: 5★ 440 · 4★ 23 · 3★ 7 · 2★ 13 · 1★ 74 ## What do users think of Forma? Overall sentiment: negative **Pros** - 🚀 Easy to use - 🚀 Convenient - 🚀 Intuitive UI - 🚀 Fast approval process - 🚀 Seamless experience - 🚀 Helpful for managing benefits **Cons** - 🐛 Constant log-in required - 🐛 Unreliable login/authentication - 🐛 Buggy app after updates - 🔒 Security concerns with login process - 🤖 Poor customer service/support - 🤖 Inconsistent claim approval process **Commonly reported bugs** - App crashes after recent update - Unable to log in with correct credentials - Corrupted receipt photos during upload - Debit card activation issues - App not working on certain devices **Most requested features** - Face ID/biometric login support - Ability to stay logged in - Improved claim submission process - Better communication on claim status - Enhanced merchant/retailer integration ## Newest reviews (18 of 149) ### 2/5 — Bug fixes keep breaking log in *2026-05-21, version 1.1.62* Feels like every other time they do a bug fix update to the app they break the log in. ### 3/5 — Login rarely works *2026-03-14, version 1.1.57 (57)* I usually have to do my Forma claims on a desktop because logging in through the Forma app is broken frequently. ### 1/5 — I can’t login *2025-12-13, version 1.1.43 (13)* What a stupid app. Correct password but saying Incorrect credentials. Trash app ### 1/5 — Login Not Working w/ App *2025-12-06, version 1.1.42 (12)* The app is good enough when it’s working however, a recent update has basically made it impossible to login to the service with it. Have to use the website now on my PC. Contact the support was told the app doesn’t work with no expectation given about when it would work. That’s been several days ago now. ### 1/5 — Unable to login *2025-09-22, version 1.1.37 (7)* I try to login with me personal email address but can’t login. It try to reset the password, I never get any password reset email. ### 1/5 — Terrible UX *2025-09-08, version 1.1.36 (6)* Login timeout is way too short. Implement FaceID. Requiring receipt for everything is annoying. Even FSA store items require itemized receipts. ### 1/5 — Garbage scam front disguised by bot reviews *2025-09-01* Changed their name from Twic to Forma to seemingly refresh their profile for a fresh start from mostly negative reviews it deserves. They then had a lot of BOTS write false 5 star reviews. With obvious bot names. The claims process is manual and can be denied for stupid, inaccurate, or flat out malicious reasons. They keep putting the reason as lack of payment info but it’s clearly on the receipt, along with itemization, purchase date, and amount. Sometimes works slowly. Sometimes scams quickly. ### 1/5 — I hate this app *2025-08-22* Recently my job decided to switch to Forma from another company that was working fine and much better and it has been one of the worst experiences to use this company. They tried to tell us that the app is “user friendly”, it definitely is not. I enabled Face ID and yet I still have to go through the encryption log in anytime I want to use the app. They are extremely petty and will deny claims if your date or price is off, like it’s so had to read a receipt and see that the information is correct. The other company allowed us to have recurring claims so that if I submitted something like a grocery bill, I wouldn’t have to do a claim every single month. With Forma you have to submit a new claim every single month and if any of your information is slightly off, they deny it and you have to submit a new claim. It is definitely not worth the headache to use and so I opted out of my company’s reimbursement program. ### 1/5 — Poor customer service *2025-08-19, version 1.1.36 (6)* I’ve had a claim denied 3 times and when I tried clicking on the contact us link it didn’t work. ### 1/5 — No way to contact customer service this app is garbage *2025-07-30, version 1.1.34 (4)* I would give them a o star but that option wasn’t available. ### 1/5 — one star review until you fix authentication *2025-07-16, version 1.1.34 (4)* why do I have to log in to the app with a username and password every time I want to use it?! ### 2/5 — Release 1.32 broke app *2025-07-06, version 1.1.32* This most recent release broke the app removing the ability to see/manage HSA and other accounts. Have to log into desktop version of website in order to see/manage information. Before this update app worked great. Plz fix ASAP. ### 1/5 — Super high friction *2025-06-19, version 1.1.31* They have people who doesn’t think on the other end approving or disapprove reimbursement. Everything takes multiple tries. Super high effort. Plz get a better qa and ops team. Thx ### 1/5 — Disappointed *2025-06-10, version 1.1.31* My employer used to have the gym membership reimbursement different and now that we are using Forma it is the worst! They should hire competent employees. Everything gets rejected. Wish we can go back to the way we used to submit claims with the company and not with Forma. ### 1/5 — Not very good *2025-05-26, version 1.1.30* See title ### 1/5 — Activating Card *2025-05-13, version 1.1.30* App tells you you must use website to activate card. Website launches app automatically rendering website unreachable. This is the opposite of user friendly as I have to uninstall the app, reset my password, then reinstall the app ### 2/5 — Remember me *2025-04-16, version 1.1.30* App is easy to use once you're logged in - but that is the issue. There's no option to keep signed in and I seem to get logged out after an hour, so end up spending as long logging in as I do making claims within the app. ### 4/5 — Login much better now *2025-04-05, version 1.1.30* Bumping up to 4 stars from 3 since you can now use Face ID to log in. ## Most critical reviews (10 lowest-rated) ### 1/5 — Clunky App overly aggressive expense audits *2026-07-24, version 1.3.3* The app is very clunky having to go through many forms of authentication and menus just to do simple tasks. The audit of expenses is extremely aggressive on money that’s already allocated to me and a reoccurring charge that should be an obvious review they constantly reject it. Very frustrating not recommended ### 1/5 — Terrible service *2026-07-22, version 1.3.3* This is a really bad cumbersome experience. Asks for a million things for claims. Lots of time wasted back and forth ### 1/5 — Super high friction *2026-06-20, version 1.2.2* They have people who doesn’t think on the other end approving or disapprove reimbursement. Everything takes multiple tries. Super high effort. Plz get a better qa and ops team. Thx ### 1/5 — Login broken *2026-05-22, version 1.1.62* You need to login every time you open the app. In addition, the support doesn’t think you’re logged in even if you are! ### 1/5 — Times out submitting claims *2026-04-04, version 1.1.58 (58)* Claims submissions are completely broken. ### 1/5 — Unusable *2026-03-24, version 1.1.57 (57)* App has been broken for months making it impossible to login ### 1/5 — Can’t login *2026-02-18, version 1.1.56 (56)* I’ve tried several times to get the “magic link” sent to my email address and I never receive it. I’ve checked junk and it’s not there. Thought it was because my work blocks some emails so I tried using my personal address and didn’t work there either. ### 1/5 — Can’t even create *2026-02-10, version 1.1.55 (55)* Cant even create an email to get my benefits from my company ??? Help ?? ### 1/5 — Constantly Logged Out *2026-02-03, version 1.1.55 (55)* I am tired of getting logged out over and over again. ### 1/5 — Convenient, but not *2026-01-07, version 1.1.51 (21)* Once your in the app is good, but having to constantly log back in is ridiculous in this day in age. Security is important, but this is a benefits spending account, not a bank, so just tone it down. The automated ai customer service agent is garbage and will ask you to login no matter how many times you do. ## Most praised reviews (10 highest-rated) ### 5/5 — 5 STAR ⭐️ REVIEW *2025-11-03, version 1.1.40(10)* LOVE IT,EVERYONE SHOULD TRY IT OUT‼️ ### 5/5 — Easy to use *2025-04-22, version 1.1.30* Love the app! Easy to use! ### 5/5 — Easy to navigate *2025-04-01, version 1.1.30* Forma has been great to use. I haven’t experienced any issues and find it very easy to navigate! ### 5/5 — So thankful *2025-03-19* App is easy to use even for people like me that are not app savy. $1000 is very helpful and useful and I’m thankful for this program. I use it for my car insurance and I can afford to do fun things that I don’t do and go to concerts. ### 5/5 — Easy and intuitive *2025-03-07, version 1.1.28* Great little app for tracking benefits including HSA and FSA. Easy to submit claims when you buy out of pocket. ### 5/5 — It *2025-02-19, version 1.1.27* Good #1 ### 5/5 — App review *2025-02-08, version 1.1.26* Easy to find what need! Great job ### 5/5 — Love it and easy to use! *2025-02-07, version 1.1.26* I get this through my work and I love it. Very user friendly! ### 5/5 — Easy to use. Great Benefit *2025-02-01, version 1.1.26* I love how simple the app is. Very straight to the point. ### 5/5 — Great App *2025-01-29, version 1.1.26* My company uses Forma great app no glitches or anything and very secure --- *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 2026-09-01.*