Optum Bank

Optum Bank

Connecting health & finance

54K ratings
236 reviews
Free

Details

  • Released
  • Updated
  • January 7, 2018
  • July 21, 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
🖼️Get Icon
Icons↘︎

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
Show original description

What users say

See all reviews

What's New in Optum Bank

4.7.0

July 21, 2026

Now easier: managing your HSA beneficiaries. Plus clearer statements and improved reliability.

User reviews

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.
Show more

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

Login issues w/o manual dns settings

Not sure what happened on the last update 3 wks ago, but I can no longer use the site or app w/o changing dns settings to manual. Can it be fixed please?

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.