# Surency Flex — user reviews > 84 indexed App Store user reviews of Surency Flex by Surency Life and Health Insurance Company, rated 4.30/5 from 617 ratings. - Source: https://appshunter.io/ios/app/surency-flex/id594231327/reviews - App overview in markdown: https://appshunter.io/ios/app/surency-flex/id594231327.md - Rating breakdown: 5★ 473 · 4★ 36 · 3★ 10 · 2★ 24 · 1★ 74 ## What do users think of Surency Flex? Overall sentiment: mixed **Pros** - 👍 User-friendly app interface and navigation - 🚀 Easy and fast claim submission process - 💳 Convenient mobile receipt scanning feature - 📱 Simple balance tracking and account management - ⭐ Helpful and responsive customer service team - 🎯 Streamlined reimbursement workflow - ✅ Reliable app performance for most users **Cons** - 🐛 Frequent session timeouts requiring re-login - ⏱️ Slow claim processing and approval times - 📋 Excessive documentation requirements for claims - 🚫 Strict and inconsistent claim denial policies - 💰 Funds held up pending receipt verification - 🔐 Account lockouts preventing fund access - 😤 Poor communication regarding claim denials - 🔄 Inconsistent application of eligibility rules - 📞 Difficult phone support accessibility - ⚠️ Unexplained account transitions and fee changes **Commonly reported bugs** - App logs out immediately when switching between apps - Blank screens with no content displaying - Login credentials not accepted despite correct entry - Receipt upload encounters undisclosed errors - Password reset website malfunction - Automatic password resets and multiple authentication requests - Barcode scanner fails to recognize all barcodes - Camera upload only accepts live photos, not saved images - Incorrect fund deduction from wrong plan year **Most requested features** - Auto-save functionality for receipt uploads - Ability to save receipts in app for later submission - Manual scan button for barcode scanner - Better claim history and tracking visibility - Faster deposit processing times - Simplified documentation requirements - Clearer denial explanations and reasons - 24/7 customer support availability - Improved password reset functionality ## Newest reviews (10 of 84) ### 1/5 — Healthcare mess *2025-12-16, version 20.6.0* On the app, yearly contributions are separated, but when I try to spend the remaining dollars for a previous year the money is taken out of the current year! The balance can NEVER be spent under this system designed to rob subscribers of money!! Twice this has occurred! Fix it!! ### 1/5 — This company is the worst *2025-12-12, version 20.6.0* They deny relevant claims all the time ### 1/5 — Difficult *2025-11-19, version 20.6.0* Perhaps it's the process, but the app is not helpful when there is an error on dates. Surency also makes it extremely difficult to withdraw funds. ### 2/5 — Antiquated Application *2025-11-19* This application is difficult to navigate and needs to be updated for 2025. The review process is slow as well, just wish things looked better and happened faster ### 1/5 — Always want one more document *2025-10-02* My company switched to Surrency to manage our flexible spending plan…and it has been so frustrating! They always want one more document, and make you jump through six hoops before you get a reimbursement. I know multiple people suggested to our HR that we switch back to the old provider. ### 2/5 — Card Status *2025-06-25, version 20.4.0* The resubmission process is simple, but I do not having my funds held up because receipts are missing. ### 4/5 — ! *2025-05-13* Wish deposits came through a little faster ### 5/5 — Easiest submission ever!!! *2025-04-02, version 18.2.0* *****!! ### 1/5 — Reimbursing *2025-03-29, version 18.2.0* I’ve submitted for reimbursement 3 times. Each time needing a different document or requirement. I hate how difficult you are making this to use my benefits!! ### 5/5 — Easy to use *2025-03-02, version 18.2.0* Very user friendly ## Most critical reviews (10 lowest-rated) ### 1/5 — Ridiculous *2026-08-09* I’m tired of having to jump through hoops every time I want to use my card for a qualified expense and when I fail to do so, my card is locked out and I’m unable to use MY money. On top of that, over the counter, qualified FSA items mind you, are rejected during check out more times than not. This company is a joke and I wouldn’t doubt if they do not receive some sort of kick back at the end of the year when there’s unused money left over from all of the locked out cards. If I could rate them less than 1 star, I would have done so. ### 1/5 — Terrible company, annoying app *2026-06-15* This company will make you jump through every possible hoop to get/use your FSA funds - and then some. In nearly 20 years I’ve never dealt with the issues I have dealt with this company in just the last 3 months. Also, the app is annoying - it refreshes if you take a call or do anything on your phone outside the app (a call or text, to check your documentation, or anything else, even for a second), even when you’re in the middle of submitting their 100 pieces of documentation for repayment, effectively kicking you back to the beginning and having to start completely over. ### 1/5 — Surency sucks *2026-05-07, version 315.4.0* I’ve had other hsa type accounts and this is the worst one I’ve ever had! Slow to process claims and strict on how they are submitted. I literally have to call customer service and wait on hold EVERY time I need a claim processed. It’s ridiculous! ### 1/5 — Needs User Friendly Updates *2026-03-14* This app needs user friendly updates. It requires receipts to be uploaded but if you move out of the app for any reason - to view dates on your receipts or if you cannot find it in your documents, it makes you log back in and start over. There’s no time delay at all, meaning you get logged out even if you leave for a second. It’s frustrating and not very user friendly ### 1/5 — Surency flex is awful *2026-03-03, version 312.19.0* So this app is horrible. You give them the information. Send them a receipt and they transpose numbers and deny the claim. So at the end of the year you are scrambling to call them and get a correction and big surprise no one answers the phone. ### 1/5 — Horrible *2026-03-02, version 312.19.0* Very difficult to submit reimbursement information. Took an hour. ### 1/5 — Too many passwords keeps resetting itself *2026-02-19, version 312.19.0* Kicked me out of my account keeps making me put in multiple passwords and changing them over and over again ### 1/5 — Horrible-no communication *2026-01-31, version 312.19.0* Fine app, horrible company that takes forever to get reimbursement ### 1/5 — Blank *2026-01-07, version 312.19.0* its all blank nothing shows up ### 1/5 — It is NOT easy *2025-12-31, version 312.19.0* If you are going to require funds be spent by 12/31, then your organization should be open on 12/31 to assist people having trouble accessing their funds that you control. I will essentially be robbed because I have no recourse to access my money. ## Most praised reviews (10 highest-rated) ### 5/5 — Good savings *2026-04-07, version 312.19.0* Happy with the savings ### 5/5 — Services *2026-03-17, version 312.19.0* The app is easy to get in to and use. ### 5/5 — Rendr *2026-02-26, version 312.19.0* Easy understanding app to use ### 5/5 — Easy and fast *2026-02-26, version 312.19.0* Love this app! It makes it so easy and fast to manage my FSA ### 5/5 — Easy to use app *2026-01-11, version 312.19.0* great program ### 5/5 — Better than expected *2025-11-04* Easy to navigate site and use ### 5/5 — Transition to retirement *2025-06-29* I was not notified prior to my account being transitioned to a fee based debit card prior to it going into effect. If I had known, I would have closed the account prior to retirement. This was poor customer service ### 5/5 — Easy Submission *2025-06-02, version 20.4.0* Easy to use, easy to submit reimbursement. ### 5/5 — SurencyFlex mobile app *2025-05-23* App is very user friendly. I really enjoy submitting my claims using it. I have had zero issues with the app. ### 5/5 — Customer care *2025-04-03, version 18.2.0* Excellent team service! Thanks! --- *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 2026-09-01.*