Spruce – Mobile banking

Spruce – Mobile banking

Spruce up your financial life

5.3K ratings
246 reviews
Free

Details

  • Released
  • Updated
  • January 5, 2022
  • September 2, 2026

Features

Spruce – Mobile banking screenshot #1 for iPhone
Spruce – Mobile banking screenshot #2 for iPhone
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Spruce – Mobile banking screenshot #7 for iPhone
Spruce – Mobile banking screenshot #8 for iPhone
Spruce – Mobile banking screenshot #9 for iPhone
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

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What's New in Spruce

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.

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User reviews

👀

Why do I have to keep deleting an downloading this app to get it to load

Stay away if you like getting your money

After many fraudulent purchases drained my savings and spending accounts.Spruce closed my account and I can’t even use them no more.so they said.15 days in with no money and they are now mailing me a check for the amount of money that was stolen!so probably be another week before I actually get my money.
On top of this half of customer service can barely speak English.
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Terrible experience

While the app seems to work fairly well, the institution itself is completely untrustworthy and cannot seem to keep up with changing security protocols.
I was asked on 8 different occasions in less than 10 days whether a change on my card was initiated by me. Even after saying NO, they still allowed the money to be taken out of my account, and now I have to go through a 90-day claims and dispute process to get it back! EIGHT charges. None of them should have gone through.
The customer service is just as terrible. Asking me the same questions over and over to prove who I was and prove what happened. Like I did something wrong. H&R Block should eliminate this institution from its business and figure something else out.
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Great

Great

Horrible

Horrible app and bank

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.