Optum Bank

Optum Bank

Connecting health & finance

55K ratings
237 reviews
Free

Details

  • Released
  • Updated
  • January 7, 2018
  • August 28, 2026

Features

Optum Bank screenshot #1 for iPhone
Optum Bank screenshot #2 for iPhone
Optum Bank screenshot #3 for iPhone
Optum Bank screenshot #4 for iPhone
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About

Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

Track account balances
Understand eligible expenses
Pay for health costs
Submit claims for reimbursement
Store health care receipts
View account transactions
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What users say

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+1

What's New in Optum Bank

4.8.0

August 28, 2026

This release focuses on usability improvements designed to make managing your account easier. We've also made updates to help keep the app running smoothly.

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User reviews

No FaceID is automatic 1 star

The password policies are obnoxious and passwords are so last century. The only thing keeping this from a great review is FaceID support.

Easy to use

I am pleased with the ease of use for documenting claims

Good UI, bad minimum cash balance

The app runs well, there’s good choices for investments, but you need to keep a 2k cash balance or else you can’t invest. It’s a real bummer, it slows down the growth of your account by a lot. It took me a long time before I could begin investing. When I leave my current company, I’ll be looking to switch to Fidelity for sure. I would just use theirs now, but there’s a big fee for every transaction you move money out.
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Excellent app

Very happy with this app and it’s functionality. Thank you for the improvements.

Ehhh

Good if you use it in the morning otherwise good luck servers can’t handle the traffic so you can never login to check anything

Developer apps

User experience

🐞

Reported Bugs

4 issues

App crashes when submitting reimbursement claims

Bug

Receipts not displaying properly or disappearing

Bug

Investment transfer functionality not working

Bug

Slow performance and loading times

Bug

Requested Features

4 requests

Batch claim processing for pharmacy receipts

Feature

Ability to associate receipts with past claims

Feature

Improved receipt management and submission flow

Feature

Consistent data and functionality between app and website

Feature

FAQ

What does the Optum Bank app do?

The Optum Bank app helps you manage your health savings accounts (HSA), flexible spending accounts (FSA), and other health spending accounts. It allows you to track your balances, understand what expenses are eligible, pay for healthcare costs, and submit claims for reimbursement.

What are the key features of the Optum Bank app?

Key features include tracking account balances and transactions, identifying eligible health expenses, paying for healthcare costs directly, submitting claims for reimbursement, and storing health care receipts all in one place.

Is the Optum Bank app free to use?

Yes, the app is free to download and use. It does not have in-app purchases or advertisements, as indicated by its monetization model.

Who is the target audience for the Optum Bank app?

The app is designed for individuals who have an Optum Bank health account, such as an HSA or FSA. It helps them get more out of their health account benefits and manage their healthcare finances.

How can I use the Optum Bank app to pay for health costs?

You can use the app to pay for health-related expenses by utilizing your Optum card or digital wallet. The app also allows you to check and submit claims for reimbursement, making it easier to manage your healthcare spending.