Spruce User Reviews

Customer Experience

Positive experience34.7% of reviews
Neutral5.1% of reviews
Negative experience60.2% of reviews

~ Based on 236 written reviews from the US App Store.

What users say

Is Spruce Safe?

Spruce – Mobile banking appears safe based on user ratings. AppsHunter Safety Score for Spruce is 90/100.

This assessment is based on 5,172 user ratings, with an App Store average of 4.5/5.

Safety Analysis

87.9% of ratings point to a safe experience
2.1% of ratings suggest some concerns
10.0% of ratings point to a risky experience

~ Based on 5,172 App Store ratings for Spruce.

Is Spruce Legit?

Spruce – Mobile banking appears to be a legitimate app. AppsHunter Legitimacy Score for Spruce is 90/100.

Based on 90 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

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.

Spruce

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

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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Unreliable

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

review

very cool idea

Horrible

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!

Spruce is remarkable !!!!!!

Spruce is remarkable they help me with everything. I have a problem with their customer service is 110% on point. Thank you Spruce.!!!!

Horrible app

I’m not a fan of this app it’s horrible

My favorite money app

Increase the support in app bit more and customize the app bit more; add dark mode and it’s #1

Poor customer service

My Spruce account had been hacked for more than 1700 dollars! I made dispute with Spruce and they only refunded my account for 600 dollars! After I had to go back and forth with them about proving that the transactions weren’t me!

My banking account, Spruce

I love this account. I’ve been with it for a year and I got direct deposit and I love it.

Horrible transfer limits that are confusing

If you want your money be prepared to wait , and wait and wait

Awesome

I love Spruce

Slow

Everything is slow and there’s no phone help.

Great Savings tool

Love that I can save with a higher interest rate. My only disappointment is that transferring out of the savings to an external acct via the spending acct has a monthly limit. If I save for a major purchase, I don’t like to be limited to $2500 a month

Easy banking app

Very easy to use and clean design. I can transfer money, deposit checks, and track spending without issues. Love P2P feature. The notifications are fast, and the app feels secure. Customer support was also helpful.

5 stars

They are the best

Needs more ways to add money

You need to be able to accept more ways to add money from Cash App , Venmo , chime , step. PayPal. Other than direct deposit !!!

Not happy

I had someone use my information and bought some items online. A couple of them were just a couple of dollars but a couple of them were quite high. I got the ones that were a couple of dollars back within a day of contacting Spruce, but it took over two months and several calls to get my money back for the higher amount. Very dissatisfied with the service if it had been any other bank, I would’ve gotten my money back right away. If I could give them a lower score I would.
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Great option

I love the high interest savings and the spending account with no monthly fees