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Optum Bank

Optum Bank

Connecting health & finance

55K ratings
242 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • January 7, 2018
  • September 23, 2026

Features

Developer

Optum Inc.
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Optum Bank screenshot #1 for iPhone
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Reviews summary↘︎
⭐242
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🔄6+ apps
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❓5 answered
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📦~ in 3 weeks
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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

Summarized from real user reviews of Optum Bank. Based on 55K reviews and a 4.7/5 average, it highlights the 3 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Convenient and streamlined
  • 👍Easy to check balance and manage contributions
  • 💡Allows digital card in Apple Wallet

Negative things

  • 🐛Frequent login issues and app crashes
  • 🔍Limited functionality compared to website
  • 🤔Inconsistent user experience between app and website
  • 🤯Poor technical support and communication
See all reviews

What's New in Optum Bank

4.9.0

September 23, 2026

We've added card shipment tracking so you can see statuses in the app. As always, we've included enhancements for a smoother and more reliable mobile experience.

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User reviews

Most RecentHighest RatedLowest Rated

Never ending portal hopping

It’s hard to explain how impossible this bank/financial institution is in terms of access. It constantly changes leaving you unable to access your own funds.
BramkersBramkers

Can’t link bank or budget app

This app uses an incredibly invasive mastercard account link that requires more permissions than needed to link accounts and reimburse yourself. Once linked my account doesn’t even show up. Then when you want to delete that link you have too many steps and any of your transaction history is now in possession or Mastercard and likely Optum.

Also my accounts with Optum never stay connected with my budgetting app.
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J_Review_sJ_Review_s

Health $

Very user friendly app. Thank you!
Corona LeCorona Le

awesomeness

awesomeness.
Irlanda’sIrlanda’s

Control System Tech

Easy to navigate on their website.
RH409vattRH409vatt
See 237 more reviews

Developer apps

Optum Specialty Pharmacy
Optum Specialty Pharmacy

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OptumRx
OptumRx

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myLivewell By Optum
myLivewell By Optum

by Optum Inc.

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(2)

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Clinical Documentation Guide
Clinical Documentation Guide

by Optum Inc

🏥 Medical

(14)

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Optum TeleHealth
Optum TeleHealth

by Optum Inc

💪 Health & Fitness

(13)

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Optum My Wellbeing
Optum My Wellbeing

by Optum Inc

💪 Health & Fitness

(28)

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See 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.