# Spruce – Mobile banking — Spruce up your financial life

> Mobile banking app for managing finances, budgeting, and saving with a high-yield account. (iPhone/iPad app by HRB Tax Group, Inc..)

- Source: https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028 (this page in markdown: same URL + `.md`)
- Developer: [HRB Tax Group, Inc.](https://appshunter.io/developer/350051876)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.50/5 from 5,244 App Store ratings · 240 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 308 MB
- Languages: American English
- Released: 2022-01-05
- Data updated: 2026-08-24
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028/reviews.md

## What is Spruce?

Spruce is a mobile banking app that offers easy-to-use financial tools to help you manage your money. Take care of your daily finances with a Spruce Spending account while budgeting for long-term goals with a Spruce Savings account. Whatever your financial goals, the Spruce digital banking app is here to help you build a better relationship with your money.

Be sure to check out high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account.

Find convenience with your Spruce accounts where you can easily manage your finances, transfer money, and deposit checks in the app‡.

You can also enjoy these Spruce account benefits:
No sign-up fees
No monthly fees
No minimum balance requirements
No credit check

Set financial goals and save money the smart way! You don’t have to sacrifice what you love to save—set a Saving Goal in the Spruce app and use automated deposits to make it easier to reach your goal. Then, opt in to make your money work even harder for you with 3.50% APY*.

Sit back and let Spruce categorize your transactions, then use Watchlist to keep an eye on categories that matter most. Watchlist helps you keep track of spending and lets you set monthly income goals to help you stay ahead.

QUICK START TIPS
1. Download the Spruce mobile banking app.
2. Create a super secure password with at least 8 characters.
3. Sign up for your Spruce Spending and Savings accounts.
4. Explore the Spruce navigation menu:
---My Life. See a snapshot of your balances and recent transactions.
---Spending. Review your debit and deposit transactions.
---Move Money. Move money between accounts.
---Saving. Create Saving Goals, turn on Round Ups, and opt in to earn 3.50% APY*.
---Credit. Check your credit score and learn more about improving your credit.

DISCLAIMERS

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

* The Annual Percentage Yield (APY) is accurate as of 1/23/2025. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.

∞ Funds are insured by the FDIC on a pass-through basis, subject to applicable limitations, restrictions, and requirements for such FDIC pass-through insurance, when the funds are received in your account. FDIC insurance only protects when an FDIC-insured institution fails. Spruce and H&R Block are not banks or FDIC-insured institutions, but Pathward® N.A. is an FDIC-insured depository institution.
^ Spruce℠
± Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A.
~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
≠ Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.
≈ No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
‡ Mobile check deposit is available after you have deposited at least $200 in the past year and your accounts have been open for 30 days.

## Key features

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

## What do users think of Spruce?

Overall sentiment: negative

**Pros**

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

**Cons**

- 🐛 Frequent app crashes
- ⏱️ Slow check deposits
- 🔒 Security concerns
- 🤖 Poor customer service
- 💰 Unexpected fees

**Commonly reported bugs**

- Login issues
- Syncing problems
- Disappearing funds
- Deactivated cards

**Most requested features**

- Ability to transfer funds to external accounts
- Improved account management features
- Faster check clearing times

## Recent user reviews (10 of 240)

All indexed reviews: https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028/reviews.md

### 1/5 — Scam

*2026-08-14, version 5.10.0*

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?

### 5/5 — Not to bad

*2026-08-08, version 5.10.0*

Pretty kool !

### 1/5 — Can’t access my money

*2026-07-28, version 5.10.0*

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

### 1/5 — Scam bank.

*2026-07-21, version 5.10.0*

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!

### 4/5 — My favorite money app

*2026-07-12, version 5.9.0*

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.

### 5/5 — Spruce

*2026-07-11, version 5.9.0*

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

### 1/5 — Card turned off

*2026-07-02, version 5.9.0*

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.

### 1/5 — Unreliable

*2026-07-02, version 5.9.0*

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

### 5/5 — review

*2026-06-30, version 5.9.0*

very cool idea

### 1/5 — Horrible

*2026-06-25, version 5.9.0*

It delays any checks for over a week. Customer service isn’t helpful since it’s a third party. They’re also rude. It will overdraft you then charge a fee. It has people fluffing it so you’ll join. Don’t fall for it!

## Frequently asked questions about Spruce

### 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.

## Version history (last 5 releases)

### 5.11.0 — 2026-08-23

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.

### 5.10.0 — 2026-07-18

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.

### 5.9.0 — 2026-06-06

With summer right around the corner, Spruce is keeping things fresh. This release brings continued enhancements to help make your everyday banking app experience feel effortless. 

Hello summer. Even smoother days ahead.

### 5.8.0 — 2026-05-20

Fresh updates just rolled in - We made a few refinements to keep things running a little smoother, including improvements to the credit score sign-up process and other app enhancements.
A few smoother steps. A little more seamless. Thanks for growing with Spruce!

### 5.7.0 — 2026-05-01

We've added a few fresh touches to Spruce—just for you. Improved navigation lets you make updates seamlessly in Saving Goals. Alerts take you straight to the appropriate page, and enhanced Search now produces results using any word.

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## More apps by HRB Tax Group, Inc.

- [H&R Block Tax Prep: File Taxes](https://appshunter.io/ios/app/h-and-r-block-tax-prep-file-taxes/id482050344)
- [MyBlock: Tax Docs & Refund](https://appshunter.io/ios/app/myblock-tax-docs-and-refund/id490111274)

All apps by HRB Tax Group, Inc.: https://appshunter.io/developer/350051876

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*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 2026-08-24.*