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Spruce – Mobile banking

Spruce – Mobile banking

Spruce up your financial life

5.2K ratings
236 reviews
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • January 5, 2022
  • July 18, 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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❓5 answered
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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
+1

What's New in Spruce

5.10.0

July 18, 2026

This month, we're celebrating freedom in more ways than one. This release includes new improvements across Spruce designed to help you stay focused on your financial goals while managing your money with confidence. Here's to making moves that move you forward.

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User reviews

Most RecentHighest RatedLowest Rated

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

Spruce

This is a great product and a good supplemental! Try it
CggwenCggwen

Card turned off

Twice in the last three weeks my cards have been turned off and I’m sent new ones. No warnings or notifications, no one can tell me why other than “possible foul charges”. Both times I have been in a checkout and had to cancel my order to call spruce, this really aggravates me. I have opened a new account and will no longer use spruce.
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MeliAlli6MeliAlli6

Unreliable

I requested multiple times to have this account closed and completely deleted! Apparently they don’t listen to requests!
Goofy Alex RocksGoofy Alex Rocks

review

very cool idea
byegeliciabyegelicia
See 231 more reviews

Developer apps

H&R Block Tax Prep: File Taxes
H&R Block Tax Prep: File Taxes

Easily Prepare 2025 Tax Return

💰 Finance

(116K)

Free
MyBlock: Tax Docs & Refund
MyBlock: Tax Docs & Refund

by HRB Tax Group, Inc.

💰 Finance

(58K)

Free
See developer apps

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.