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Spruce – Mobile banking

Spruce – Mobile banking

Spruce up your financial life

5.2K ratings
240 reviews
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • January 5, 2022
  • August 23, 2026

Features

Developer

HRB Tax Group, Inc.
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Spruce – Mobile banking screenshot #1 for iPhone
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Spruce – Mobile banking screenshot #10 for iPhone
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About

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.

✓Spending account management
✓High-yield savings account
✓Financial goal setting
✓Automated deposits
✓Transaction categorization
✓Credit score monitoring
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What users say

Summarized from real user reviews of Spruce. Based on 5.2K reviews and a 4.5/5 average, it highlights the 4 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Easy to use
  • 💡Helpful savings tools
  • 👍Beautiful UI
  • 🚀Fast direct deposits

Negative things

  • 🐛Frequent app crashes
  • ⏱️Slow check deposits
  • 🔒Security concerns
  • 🤖Poor customer service
  • 💰Unexpected fees
See all reviews

What's New in Spruce

5.11.0

August 23, 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.

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User reviews

Most RecentHighest RatedLowest Rated

Scam

I’ve had it take money from me it shouldn’t and cashed a check that wasn’t signed and cashed it twice. It’s more trouble then it’s worth I hate this app once every is fixed I’m deleting it permanently. They are heading straight into lawsuit territory…not from me though I’m broke now thanks spruce. Can I give 0 stars?
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gonezoera24gonezoera24

Not to bad

Pretty kool !
Holiday23 reviewsHoliday23 reviews

Can’t access my money

App will not open and I can’t utilize my money it’s doesn’t need an update it’s just stuck on the Home Screen
Dumbapp4568Dumbapp4568

Scam bank.

Refuse to follow nys law on releasing funds for deposit. They are terrible customer support in India. Rude and laughed at me when they say they will hold my deposit for 2 weeks, illegal. Reporting to all agencies…they are not authorized to hold funds. Two weeks I haven’t received. They are awful! Don’t trust with yoir money!
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Bella LuluBellBella LuluBell

My favorite money app

Increase the support in app bit more and customize the app bit more; add dark mode and it’s #1. Great app but I got $20 snatched from me and it’s a deposit late on coming.
JaeegotitJaeegotit
See 235 more reviews

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User experience

🐞

Reported Bugs

4 issues

Login issues

Bug

Syncing problems

Bug

Disappearing funds

Bug

Deactivated cards

Bug
✨

Requested Features

3 requests

Ability to transfer funds to external accounts

Feature

Improved account management features

Feature

Faster check clearing times

Feature

FAQ

What does the Spruce app do?

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.

What are the key features of Spruce?

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.

Is Spruce free to use?

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.

What are the common use cases for Spruce?

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.

Is Spruce available on all devices?

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.