Best Optum Bank alternatives: apps like Optum Bank

10+ similar apps compared and reviewed

4.4 avg rating
10 free apps
Updated October 2026

Whether you want more options like Optum Bank or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Optum Bank

HSA Bank#1

HSA Bank by Webster Bank®

Own your health & wealth™
Editor's Choice
💰 Finance
4.2😞(1.8K ratings)
Free
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Manage your health and benefit accounts with ease. Access balances, track transactions, make contributions, and file claims. Plan for the future with investment management and a contribution planner tool.

What We Love

  • 👍 Easy to navigate
  • 🚀 Clear and straightforward
  • 💡 Helpful product eligibility scanner

Room to Improve

  • 🐛 Frequent login issues
  • 🔑 Lack of biometric login options
  • 🔍 Poor visibility and readability
  • 🤖 Feels like a web wrapper, not a true app
  • 💾 Lost previous app data and receipts
4.7😞(190K ratings)
Free
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Manage your entire financial life from one secure app. Track retirement, health savings, and investment accounts, alongside external banking and credit card information. Receive personalized guidance and access interactive tools to help you achieve your financial goals.

What We Love

  • 🚀 Intuitive user interface
  • 🔒 Robust security features
  • 💡 Retirement planning tools
  • 👍 User-friendly navigation

Room to Improve

  • 🐛 Frequent app crashes and system unavailability
  • 👎 Lack of transparency in account details
  • 🕰️ Slow performance and loading times
  • 📊 Limited investment performance history
NetBenefits#3

NetBenefits by Fidelity Investments

Fidelity workplace benefits
Worth Considering
💰 Finance
4.6😞(29K ratings)
Free
#57in Finance
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Manage your Fidelity workplace benefits, including retirement savings, stock options, health insurance, and HSAs. Track account balances, investments, and expenses. Plan for your future with personalized tools and educational resources.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient mobile access
  • 🔒 Secure document upload
  • 💡 Helpful retirement planning tools

Room to Improve

  • 🐛 Buggy and glitchy
  • 🕸️ Feels like a mobile website, not a true app
  • 🤔 Confusing navigation and user experience
  • ⏱️ Slow performance and long load times

More apps like Optum Bank

4
Inspira Mobile™
Inspira Mobile™
Inspira Mobile™
by Inspira Financial Health, Inc.
Free

Manage your health, wealth, and benefit accounts in real-time. This app offers easy control over your savings, reimbursements, and payments. It also features a scanner to check product eligibility for your plans.

Manage health savings accounts (HSA)Manage flexible spending accounts (FSA)Request reimbursement
💰 Finance
(41K)
free with in-app purchases
5
Benefits by WEX
Benefits by WEX
Benefits by WEX
by WEX, Inc.
Free

Manage your benefit accounts securely and conveniently. Quickly check balances, view account details, and submit claims with real-time access. The app offers time-saving options for HSA transactions, bill payments, and expense management.

Check account balances 24/7View account summaries and statementsFile claims and upload receipts
💰 Finance
(13K)
free
6
Fidelity Health®
Fidelity Health®
Fidelity Health®
Health benefits + expenses
Free

Manage your employer-sponsored health benefits and healthcare expenses with ease. Access coverage details, store ID cards, track HSA/FSA balances, and pay providers directly. Simplify your healthcare financial management on the go.

Access health plan coverage detailsStore health benefit ID cardsManage HSA and FSA balances
💰 Finance
(28K)
free
7
Lincoln Financial Mobile
Lincoln Financial Mobile
Lincoln Financial Mobile
by Lincoln Financial Group
Free

Manage your retirement plan, employee benefits, and financial wellness tools from a single, secure mobile application. Access account information, adjust contributions, track claims, and utilize budgeting and debt management tools.

Retirement plan managementEmployee benefits accessFinancial wellness tools
💰 Finance
(330)
free
8
Principal®
Principal®
Principal®
Retire on your terms.
Free

Manage your retirement savings and financial goals from your mobile device. Track account balances, adjust contributions, and access educational resources to improve your financial confidence. Tools are available to help you assess your progress towards retirement.

View account balancesRoll over fundsChange contributions
💰 Finance
(239K)
free with in-app purchases
9
T. Rowe Price Personal®
T. Rowe Price Personal®
T. Rowe Price Personal®
INVEST WITH CONFIDENCE®
Free

Manage your entire investment portfolio, including external accounts, in one place. Track performance, make informed decisions with personalized insights, and execute trades quickly and securely. Access educational resources and dedicated support to help you achieve your financial goals.

Consolidated portfolio viewExternal account linkingDetailed fund performance
💰 Finance
(23K)
free
10
READYSAVE 529
READYSAVE 529
READYSAVE 529
by Ascensus
Free

Manage your education savings plan account on the go. Securely access your 529 plan, track investments, and make contributions. Withdraw funds for education expenses starting July 2025.

Secure 529 account accessView balance and transaction historyAdd one-time or recurring contributions
💰 Finance
(30K)
free