Best apps like Optum Bank

16+ similar apps compared and reviewed

4.7 avg rating
10 free apps
Updated August 2026

Whether you want more options like Optum Bank or a completely different take on the same concept, our curated list of 16+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Optum Bank

Ally: Bank, Auto & Invest#1

Ally: Bank, Auto & Invest by Ally Financial Inc.

The app for all things money
Editor's Choice
💰 Finance
4.7😐(111K ratings)
Free
#64in Finance
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Ally: Bank, Auto & Invest screenshot 6

Manage your banking, investments, and auto payments all in one secure app. Features include smart savings tools, commission-free trading, and personalized investment advice. Get early direct deposit and free FICO® Score updates.

What We Love

  • 🚀 Reliable app performance
  • 👍 Helpful customer service
  • 💡 Useful savings buckets feature
  • 🚀 Immediate fund transfers

Room to Improve

  • 🐛 Frequent app crashes and bugs
  • 🕰️ Slow mobile check deposit processing
  • 🔒 Lack of VPN compatibility
Varo Bank: Online Banking#2

Varo Bank: Online Banking by Varo Money inc

Early Payday & Cash Advances
Strong Contender
💰 Finance
4.9😞(233K ratings)
Free
#57in Finance
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This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

What We Love

  • 💳 Great credit building card
  • 🚀 Fast and efficient banking
  • 🔒 Secure credit and debit cards
  • 💰 Competitive interest rates

Room to Improve

  • 🕰️ Slow mobile check deposits
  • 🤖 Ineffective customer service
  • 🔒 Difficulty accessing accounts during maintenance
Synchrony Bank#3

Synchrony Bank by Synchrony Financial

Banking in sync with you
Worth Considering
💰 Finance
4.8😐(35K ratings)
FreeAds
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Access your money quickly and securely with this award-winning online bank's mobile app. Manage accounts, deposit checks, and connect with customer service easily. Open new accounts or manage existing ones on the go.

What We Love

  • 👍 Easy to use
  • 🚀 Intuitive navigation
  • 💰 Competitive interest rates
  • 🔒 Secure banking experience

Room to Improve

  • 🐛 Frequent app crashes
  • ⏱️ Slow load times
  • 🔒 Authentication issues

More apps like Optum Bank

4
Marcus UK: Online savings bank
Marcus UK: Online savings bank
Marcus UK: Online savings bank
Banking and personal finance
Free

Manage your finances and grow your savings with competitive interest rates on various account types. Easily open accounts, add funds, and track your progress with helpful tools. All deposits are FDIC-insured for your peace of mind.

High-yield savings accountsCDs with competitive ratesNo-penalty CDs
💰 Finance
(260K)
free
5
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
Personal Finance and Invest
Free

Manage your finances, monitor cash flow, and send money securely. View account balances, deposit checks, pay bills, and track spending. Get personalized insights and explore banking products and investments.

Manage accounts and cardsSend and request money with Zelle®Deposit checks with increased limits
💰 Finance
(2.1M)
free with in-app purchases
6
N26 — Love your bank
N26 — Love your bank
N26 — Love your bank
Bank, save, and invest
Free

Manage your banking, savings, and investments all in one app. Open an account in minutes, send money instantly, and grow your savings with flexible options. Invest in stocks and ETFs commission-free.

Online bank account openingInstant money transfersSavings accounts with interest
💰 Finance
(12K)
free with in-app purchases
7
Monzo Bank - Mobile Banking
Monzo Bank - Mobile Banking
Monzo Bank - Mobile Banking
Personal & business banking
Free

Manage your finances with a digital banking app offering real-time spending notifications, savings tools, and cashback rewards. Connect all your accounts for a comprehensive financial overview and enjoy secure, FDIC-insured deposits.

Real-time spending notificationsCashback on purchasesHigh APY savings rates
💰 Finance
(5.6K)
free with in-app purchases
8
Betterment Invest & Save Money
Betterment Invest & Save Money
Betterment Invest & Save Money
Investments & Cash Accounts
Free

Automated investing and savings app to build long-term wealth and reach financial goals. Offers expert-built portfolios, high-yield cash accounts, and tools for self-directed investing. Start with as little as $10.

Automated investing and savingsExpert-built diversified portfoliosHigh-yield cash accounts
💰 Finance
(64K)
free with in-app purchases
9
HSA Bank
HSA Bank
HSA Bank
Own your health & wealth™
Free

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.

Account balance and transaction historyContribution managementReimbursement and claim filing
💰 Finance
(1.6K)
free
10
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
(231K)
free with in-app purchases