# Spero Financial \| Mobile — user reviews > 72 indexed App Store user reviews of Spero Financial | Mobile by Spero Financial Federal Credit Union, rated 4.80/5 from 937 ratings. - Source: https://appshunter.io/ios/app/spero-financial-mobile/id672367072/reviews - App overview in markdown: https://appshunter.io/ios/app/spero-financial-mobile/id672367072.md - Rating breakdown: 5★ 827 · 4★ 89 · 3★ 16 · 2★ 0 · 1★ 5 ## What do users think of Spero Financial | Mobile? Overall sentiment: positive **Pros** - 👍 Reliable and courteous service - 🚀 Convenient and easy to use app - 💯 Fantastic customer service - 🏆 Best credit union in South Carolina - 🔒 Secure and user-friendly **Cons** - 🐛 Frequent app crashes and login issues - 🔍 Difficult to manage loans and payments - 🔀 Confusing app layout changes - 🤔 Inconsistent biometric login support **Commonly reported bugs** - App crashes on account screen - Login issues after recent updates - Auto bill pay not working as expected **Most requested features** - Deduct credit purchases and checks for true balance - Add Apple Pay support - Improve online loan management and payments ## Newest reviews (16 of 72) ### 3/5 — App revamp *2026-01-23, version 8000000000.2.0* REALLLLLY WISH you’d bring the part of the app where you can deduct credit purchases or auto drafts/ checks you’ll be writing ahead of time so you have a “true” balance ### 5/5 — Great Service *2024-08-10, version 7.48.1.12379* Great Service great about letting you know when site will be down. So you are never left needing to do something and can't ### 2/5 — Loans *2024-06-14, version 7.48.1.12379* Hard to make payments on loans through this app. Always have to do a transfer. ### 5/5 — Fantastic! *2024-05-07, version 7.48.1.12379* Fantastic ### 5/5 — Convenient and Simple *2024-04-25, version 7.48.1.12379* The app is super easy to use and convenient. ### 5/5 — Convenience *2024-02-21, version 7.48.1.12379* I love the fact that I can complete my financial actions. ### 2/5 — Mobile App (and customer service) *2024-01-11* My biometric works EVERYWHERE ELSE ON MY PHONE, but NOT on this one. It used to. Why have the feature but NOT have the feature? It says something when you consider that they KNOW there is an issue yet there REMAINS an issue. ### 5/5 — Easy *2023-12-28, version 7.43.1.11443* The app is very easy to use ### 5/5 — Credit union *2023-12-02, version 7.43.1.11443* I love the manage money app it's always up and ready to help 24/7 and I just want to give it 10 out of 10 very easy to understand and user friendly if you don't have it ya better get it, you will love it ### 5/5 — Auto bill pay not working cumbersome *2023-11-29, version 7.43.1.11443* Sent up auto bill pay just got a notice it went to old bank was set up with the company ### 5/5 — Great app!! *2023-09-15, version 7.29.1.10677* Quick and simple! Easy peasy! ### 5/5 — Spero bank *2023-03-13, version 7.22.3.9962* This bank is very good and easy to do things o no the app.Love it ### 5/5 — Customer Service *2023-02-19, version 7.22.3.9962* Fantastic customer service! Thank you! ### 2/5 — Was great. Now not so much *2022-11-30, version 7.17.2.8791* I don’t know what they did but now you have to login with your username and password every single time. ### 5/5 — Member review *2022-10-22, version 7.17.2.8791* Proud member of Spero Financial. ### 5/5 — Password *2022-09-02, version 7.17.2.8791* The system does not recognize my password & I have to continuously change my password which is so annoying!!! Please fix this!!!! ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible App- I’ve been burned for the last time *2024-09-14, version 8.0.1* Trying to link my new car Loan though my account I’ve had for over a decade for auto pay. App decides it won’t let me log in even after changing password and tells me to call for help. You call and get a phone tree that says your option is not valid regardless of what I push and informs me it will be ending the call and hangs up. Have zero ability to check my balance or anything virtually. What’s the point of app if it doesn’t work correctly and I’m stuck over the weekend just wondering why I bank with the little guy if they don’t even have decent digital banking. Will probably be switching banking institutions come Monday this is just unacceptable. ### 1/5 — Most convoluted banking ever *2024-08-15, version 7.48.1.12379* This branch and app has been my absolute worst banking experience so far. I refinanced a loan here and there’s no way for me to pay it online or in app and paying by phone charges an extra 15$. It took MONTHS to just go from initiating the loan process to them taking over the loan because they wanted to call during working hours to let me know they were sending a verification email for the next step of the process (I work in a loud environment). They waited until I called them back (it takes 20-30 minutes waiting each call to reach someone) and went through account numbers and security questions just to send me an email that could have simply been sent to begin with. Learn from my mistake, stay far away from this bank. ### 1/5 — 1 star *2023-01-04, version 7.22.3.9962* Worst customer service, ### 1/5 — Login *2022-12-05, version 7.17.2.8791* Due to recent update I have to always manual login… ### 1/5 — Won’t load *2021-11-29, version 7.9.2.4776* App just doesn’t work well crashes a lot and won’t load ### 1/5 — App Crash *2021-07-14, version 7.4.1.2732* The APP keeps crashing upon opening. I have an updated version of the app and my iPhone software. ### 1/5 — Worst app for banking imaginable. *2021-06-30, version 7.4.1.2732* The app used to be decent and convenient, but now I can’t find any of the stuff I need. They changed it and added all these different tabs, and made it such a hassle to use. Fix your app. ### 1/5 — Crashes *2021-06-24, version 7.3.1.2592* Since update I am only able to open the app. As soon as I try to go to my account screen it crashes. Fix this. ### 1/5 — Horrible since they merged *2021-06-11, version 7.0.2* I have absolutely nothing good to say about this app. It has given me nothing but trouble since ScTelco became Spero. Everything that I loved about ScTelco is GONE. This app stopped working and told to contact the developer but wouldn’t give me a number or a chance to hit the help button on the app before throwing me out of it. Ive been a member for a very long and I’m about fed up with it. ### 1/5 — Definitely needs WORK *2021-03-29, version 4.6.5.2733* Has no convenient features whatsoever. There’s no place for you to find your routing number without you having to go to the full website which is very inconvenient. There is no way to transfer to other bank accounts. I know company is under new management but this app is a huge waste of my phone space if i always end up going to full website. ## Most praised reviews (10 highest-rated) ### 5/5 — My review *2026-04-04, version 8000000000.2.0* Our family loves Misty Briggs north main location! She has never hesitated to help us. I was about to switch banks but her kindness changed my mind. She deserves a raise! ### 5/5 — Spero Fin. *2026-04-01, version 8000000000.2.0* Great company all around ### 5/5 — Love Spero! *2026-01-24, version 8000000000.2.0* I moved out of state but I just could not give up my Spero account. Service is always reliable and employees are so courteous! ### 5/5 — James Anderson *2026-01-23, version 8000000000.2.0* Great services, completely satisfied ### 5/5 — Best Credit Union in South Carolina *2025-09-26, version 8.1.0* Best credit union in South Carolina friendly staff and always handles customers with respect and understanding ### 5/5 — James Anderson *2025-08-21* Great services ### 5/5 — Good Job *2024-11-17, version 8.0.1* Hope this is working better for me.I can see all my accounts. ### 5/5 — Account layout *2024-10-21, version 8.0.1* I don’t like when I open the account all those small withdrawals at the top. I like the old layout ### 5/5 — new app is great :) *2024-10-02, version 8.0.1* very thankful for the new features recently introduced. i’ll be using the new tools to budget ect 👍🏼 ### 5/5 — ⭐️⭐️⭐️⭐️⭐️ *2024-09-17, version 8.0.1* ⭐️⭐️⭐️⭐️⭐️ --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*