# HMBradley: Save, Spend, Borrow — Rewarding Personal Finance > Personal finance app for automated saving, spending rewards, and habit building. (iPhone/iPad app by HM Bradley, Inc..) - Source: https://appshunter.io/ios/app/hmbradley-save-spend-borrow/id1513277120 (this page in markdown: same URL + `.md`) - Developer: [HM Bradley, Inc.](https://appshunter.io/developer/1435420239) - Category: Finance - Price: Free - Rating: 3.53/5 from 112 App Store ratings · 46 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 42 MB - Languages: English - Released: 2020-07-22 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/hmbradley-save-spend-borrow/id1513277120/reviews.md ## What is HMBradley? Build habits that build your wealth. The best time to start saving was yesterday – the second best time to start saving is right now. Start automating your savings journey today with HMBradley. Funds are FDIC insured up to $250,000 per depositor with our partner bank.1 Save More Earn up to 4.70% APY2 on your balance.3 Spend Wisely You’ve got expenses – use them to earn unlimited 1.5% cash back.4 Build Routines Automate your finances to build strong habits. Streamline the process of building your savings in just a few clicks with Triggers and Actions. ___________________________ HM Bradley, Inc. (HMBradley) is a financial technology company, not a bank. Deposit accounts provided by New York Community Bank, a division of Flagstar Bank, N.A., Member FDIC. Accounts are insured up to $250,000 per depositor. The HMBradley Mastercard Credit Card is issued by MRV Banks pursuant to a license from Mastercard, Inc. and may be used everywhere Mastercard debit and credit cards are accepted. Certain restrictions may apply. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 1. HM Bradley, Inc. (HMBradley) is a financial technology company, not a bank. Deposit accounts provided by New York Community Bank, a division of Flagstar Bank, N.A., Member FDIC. Accounts are insured up to $250,000 per depositor. 2. APY means Annual Percentage Yield. To earn 4.70% APY, you must have $500 in total deposits each month. Interest rates may change. Terms and conditions apply; see NYCB Deposit Account Terms and Current APYs for details. 3. Interest paid on balances up to $500,000. Terms and conditions apply. 4. See full list of cashback categories for more information. See Credit Card Rewards Terms and Conditions. Subject to credit approval. ## Key features - Automated savings - Up to 4.70% APY on savings - 1.5% cash back on spending - Financial habit building - FDIC insured deposits - Automated routines (Triggers and Actions) ## Recent user reviews (10 of 46) All indexed reviews: https://appshunter.io/ios/app/hmbradley-save-spend-borrow/id1513277120/reviews.md ### 1/5 — Marketing doesn’t match setup *2023-05-25, version 2023.18.0* I thought it is a tool to put my money on auto pilot but based on the setup it looks like it is more to recommend credit cards, and you can’t skip that step so I stopped, but now they have my personal info. ### 5/5 — Love the ease of use of this app and bank *2023-02-03, version 2023.3.0* Love the ease of use of this app and bank. Gives me a lot of inside into how to use and increase my credit score ### 1/5 — Closed Account Never Looked Back *2023-01-04* Had an account in 2020, things were great, highest yield Savings Rate-offered 3% back then. Loved it, until I didn’t. Things changed in 2021 when they forced me into getting their Credit card and making purchases each month in order to keep the high yield savings rate. Oh but you have to wait until they offer you the Credit Card, can’t just apply for it. Oh but you had to have a certain amount direct deposited-which was my whole paycheck basically. They aren’t in the Zelle network so why would I make this my primary bank? I also didn’t like the fact that you only have a Checking account, no savings account. I want to save money in a savings account, I don’t want my spending money in the same account as my savings—what’s the point of a high yield rate-I’m supposed to be saving right?? I left them took my money to Sofi and haven’t looked back. ### 1/5 — 4% Invitation for a deposit account *2022-12-20* After opening a profile account for awhile I received an invitation to open a deposit account up to 4%. Logged on and do not see anything and contacted support who told me to try uninstalling and reinstalling without looking into my account. Did that and nothing. 2nd support who informed me he is in training looked into and said he sees it and will escalate it to department. When asked when can I expect a response he need the chat. ### 1/5 — Horrible Customer Service *2022-12-01* HMBradley has gone through a transition with Hatch Bank no longer associated with the accounts. I have not been able to have access to my funds for over a month. Nobody in customer service is able to resolve. Multiple, repeated requests for call are not answered. Chat feature resets often and have to “reauthenticate” with the new rep in chat over and over. Bottom line, poor customer service, horrible banking practices, bordering fraud. ### 2/5 — App not working *2022-11-29, version 2022.37.0* Need to fix app, no access to account data, keeps crashing and bouncing back to initial log in and 2factor authentication after iOS latest update ### 2/5 — 2 factor authentication broken *2022-11-21, version 2022.36.0* Paste from Authenticator puts app in never ending loop ### 1/5 — Unusable Bug *2022-09-27, version 2022.17* Latest release results in a bug that dumps me into a cycle of entering my password, prompting me for 2 factor authentication, entering the 2 factor authentication code, then asking me for my password, etc… ### 1/5 — Garbage *2022-09-10, version 2022.17* They closed my account for “unusual activity”. The only activity on my account was direct deposit from my paycheck and occasional cash app withdrawals when I needed my funds. Hardly unusual for a Bank account. What a joke this Bank is. ### 5/5 — OUTSTANDING OUTSTANDING OUTSTANDING *2022-09-03, version 2022.17* Thank you for such a GREAT App ! Well done in every respect ! OUTSTANDING on every level ! I wish you continued success with this and all over your endeavors ! ## Frequently asked questions about HMBradley ### What does this app do? This app helps you build wealth by automating your savings and spending. It allows you to earn high APY on your savings balance and unlimited cash back on purchases. You can also build strong financial habits through automated routines. ### How can I earn money with this app? You can earn money by saving with up to 4.70% APY on your balance, provided you meet the deposit requirements. Additionally, you can earn unlimited 1.5% cash back on all your spending. ### Is my money safe with this app? Yes, your funds are FDIC insured up to $250,000 per depositor through their partner bank. The app is a financial technology company, and deposit accounts are provided by New York Community Bank, a division of Flagstar Bank, N.A., Member FDIC. ### What are the key features for building financial habits? The app allows you to automate your finances to build strong habits. It streamlines the process of building savings with features like 'Triggers and Actions,' which help you set up automated financial routines. ### Is this app free to use? The app is free to use, but it does have in-app purchases. Specific details about what constitutes an in-app purchase are not provided in the description, but the core functionality of saving and spending rewards is available. ## Version history (last 5 releases) ### 2023.33.0 — 2023-12-20 While your money is working hard for you, we're working hard to constantly improve the HMBradley app. Here's what the latest update includes: - Various bug fixes and infrastructure improvements ### 2023.32.0 — 2023-11-16 While your money is working hard for you, we're working hard to constantly improve the HMBradley app. Here's what the latest update includes: - Various bug fixes and infrastructure improvements ### 2023.31.0 — 2023-11-15 While your money is working hard for you, we're working hard to constantly improve the HMBradley app. Here's what the latest update includes: - Various bug fixes and infrastructure improvements ### 2023.30.0 — 2023-11-15 While your money is working hard for you, we're working hard to constantly improve the HMBradley app. Here's what the latest update includes: - Various bug fixes and infrastructure improvements ### 2023.29.0 — 2023-11-15 While your money is working hard for you, we're working hard to constantly improve the HMBradley app. Here's what the latest update includes: - Various bug fixes and infrastructure improvements ## Apps similar to HMBradley | App | Rating | Price | Category | | --- | --- | --- | --- | | [Espresso: Stocks, F&O, Demat](https://appshunter.io/ios/app/espresso-stocks-f-and-o-demat/id1532602780) | 3.8 (8) | Free | Finance | | [Rubies Junior](https://appshunter.io/ios/app/rubies-junior/id1528977560) | — | Free | Finance | | [마스터페이(MasterPay)](https://appshunter.io/ios/app/masterpay/id1528653220) | — | Free | Finance | | [에이프로빗(APROBIT)](https://appshunter.io/ios/app/aprobit/id1524604860) | — | Free | Finance | | [Azucko](https://appshunter.io/ios/app/azucko/id1529876100) | — | Free | Finance | | [Private Client Services](https://appshunter.io/ios/app/private-client-services/id1528067380) | 4.4 (10) | Free | Finance | --- *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.*