Manage your daily finances and budget for future goals with this mobile banking app. It offers a spending account, a high-yield savings account, and tools to track spending and set savings goals. Build a better relationship with your money through easy-to-use financial management features.
Summarized from real user reviews of Spruce. Based on 5.3K reviews and a 4.5/5 average, it highlights the 4 positives and 5 negatives reviewers mention most about this Finance app.
5.11.1
September 2, 2026
The heat is on, and so are the updates. Whether you're traveling, relaxing, or checking off a few mid-summer adventures, this release includes a handful of refinements designed to help you make the most of Spruce wherever the season takes you. We're always looking for ways to make your everyday banking app feel a little more effortless, one update at a time. Made for summer days and everyday money moves.
More4 issues
Login issues
Syncing problems
3 requests
Ability to transfer funds to external accounts
Improved account management features
Spruce is a mobile banking app designed to help users manage their daily finances and budget for long-term goals. It provides a spending account, a savings account with a high Annual Percentage Yield (APY), and tools for tracking expenses and setting savings targets.
Key features include managing a Spruce Spending account, opening a Spruce Savings account with a 3.50% APY, setting financial goals with automated deposits, categorizing transactions, and monitoring your credit score. There are no sign-up fees, monthly fees, or minimum balance requirements.
Yes, the Spruce app is free to download and use. There are no sign-up fees, monthly fees, or minimum balance requirements associated with the Spruce Spending and Savings accounts. You can opt-in to earn interest on your savings.
Common use cases include managing everyday spending with the Spruce Spending account, saving for specific goals like a down payment or vacation using the Savings account and goal-setting features, and tracking spending habits through transaction categorization. It's also useful for users looking to earn interest on their savings.
The description indicates it is a mobile banking app, suggesting availability on smartphones. Users can download the Spruce mobile banking app to access its features. Specific compatibility details for operating systems like iOS or Android are not explicitly mentioned but are implied for mobile use.
