# T-Mobile MONEY: Better Banking — user reviews > 137 indexed App Store user reviews of T by T-Mobile USA, Inc., rated 4.84/5 from 39,473 ratings. - Source: https://appshunter.io/ios/app/t-mobile-money-better-banking/id1436218794/reviews - App overview in markdown: https://appshunter.io/ios/app/t-mobile-money-better-banking/id1436218794.md - Rating breakdown: 5★ 35,678 · 4★ 2,570 · 3★ 607 · 2★ 147 · 1★ 471 ## What do users think of T? Overall sentiment: positive **Pros** - 🚀 High interest rates - 👍 Convenient mobile banking - 💡 Overdraft protection - 🚀 Easy account setup - 👍 Friendly customer service **Cons** - 🐛 Issues with mobile check deposits - ⏱️ Slow fund transfers - 🔒 Security concerns - 👎 Changing account requirements - 👎 Lack of physical locations **Commonly reported bugs** - Frequent app crashes - Login issues and freezes - Problems with external account linking **Most requested features** - Integration with budgeting apps - Ability to deposit cash at ATMs - Improved mobile app stability ## Newest reviews (14 of 137) ### 1/5 — App malfunctioning *2025-06-10, version 3.2.3* Been unable to access my T-Mobile money account for most of the day. Phone calls to customer support are useless and they lie to you. First guy told me app was down and they were getting a lot of calls about it, yet why was there no communication from T-Mobile about this app issue? Second time I called guy tried to just brush me off and told me they were now getting a lot of calls that the app was working, and that this problem with the app “happens quite frequently” so I should just “try again in 30 minutes”. I told him I had been trying for hours already. He was absolutely no help. Thank God I don’t keep any significant amounts of money in this account, but it’s still frustrating that I don’t have any access to my money. ### 1/5 — App not working *2025-06-07, version 3.2.3* I can input my login, and security code and then it shows it’s processing and then it closes out of the app entirely. I have been unable to check my bank account in days. ### 1/5 — Crashing and other issues *2025-06-06, version 3.2.3* When this is the only way to access money with them and the app does nothing but crash?? Not a good for the customer. Deposits take FOREVER to get credited to your account and its way to complicated to get money in or out even when the app is working. ### 1/5 — Crashes on login *2025-06-04, version 3.2.3* iPhone 16 pro, crashes on login. ### 1/5 — Lies to customers *2025-05-28, version 3.2.3* T-Mobile lies to and rips off its customers. STAY AWAY FROM ANYTHING THIS LYING COMPANY OFFERS. IF THEY SAY ITS ON THEM, ITS A LIE. YOU WILL BE PAYIMG FOR IT. ### 1/5 — This bank was good but is now a Jone *2025-05-24, version 3.2.3* Seriously if I could give it no stars it would be better, this ban used to be good when it started, then they switched over who knows how many times, disputes take longer than they should, they continue to say they put stop pays on something and don’t. The majority of customer service reps I’ve spoke to are rude. I asked to have mi name changed provided valid proof (SSN) which my Discovery bank gladly accepted and was able to change my name, only to have incompetent customer service tell me my proof of name changed provided valid isn’t valid, my own freaking job accepted my SSN card, but this bank is a joke. ### 1/5 — Beware!!! *2025-05-14, version 3.2.3* After being a loyal customer my account was all of a sudden frozen end of March. Come to find out agreements were sent out a month prior due to switching banks and a check box had to be selected to agree with continuing with the new account. Unfortunately, I found the notice hidden in Spam and never seen the request and lost all of my money in my account. T-Mobile money should’ve at least put a big disclaimer on the home page of the app, easy solution.. Phone lines were so busy this day I can only imagine how many people were affected…Customer service or supervisor were of no help, stated there was nothing they could do and a check will be mailed. The least we could’ve done is provided access to transfer the funds remaining and I have yet to receive my check and now it’s May 2 months later…Word of mouth goes a long way, do not bank with T-Mobile money. ### 1/5 — There needs to be a class action lawsuit for discrimination *2025-05-12, version 3.2.3* T-Mobile banking is horrible so there needs to be discrimination basis on this bank because they blamed the customer and say that they sent me an email because I opted out on something which I never did and on top of that they decided to send me a check in the mail of the remaining balance from my bank account and they closed my bank Without sending me an email or anything and then I go into my bank and they shut it down and on top of that, they decide to shut it down and I can never open a bank account in the future. It’s completely heartless of a bank to do that to someonethere needs to be a class action lawsuit again like what they did of the privacy breach on all of our phone numbers and email addresses. ### 1/5 — Bad business, worse communication! *2025-04-01, version 3.2.2* They closed my account without ever reaching out to inform that another bank was taking the business. Money tied up in a closed account that they want to send to me via check. Stay away! ### 1/5 — Wait time for deposit checks *2025-03-30, version 3.2.1* I’ve been banking with T-Mobile money for about 3 years now and I advise people not to use mobile checking because it takes dam near 8 days for your check to clear I don’t know if it takes that long because they are not in the USA but I will never ever deposit my work check on the mobile app it’s not worth it if you need your money you will have to wait just go to a check cashing place til you job start releasing your checks electronically that’s the only thing I don’t like ### 1/5 — Inconsistent *2025-03-28, version 3.2.1* The inconsistency with the direct deposit is astounding. I get paid the same day every month, yet the day it hits the card is never the same and can vary to really early to late the day of. I get constant error messages and report them and then told it’s something I’m doing. lol. There are better money cards out there. ### 2/5 — Terrible company *2025-03-25, version 3.2.1* They didn’t notify me in the app that they were changing banks despite claiming they gave me 1 month notice. They never msgd me despite saying they did… they just closed my account and held my money for 5-7 business days after closing it. I’m a t-mobile phone service user and had the card for about 8 months or more. ### 1/5 — NOT a Real BANK- Closed my account w/o Notification *2025-03-24, version 3.2.1* This bank shut my account down after sending spam email warnings only. They have preferred communication which I selected push notifications or phone call. They didn't reach out with a push notification or call or send anything in the mail. Caused a lot of return payments and fees to everywhere I used the account. They take no responsibility for this at all. T-MOBILE loves to blame the customer for all the things get wrong. Go to a real bank that won't send spam mail for BIG changes account closure. ### 1/5 — 🤦🏻‍♂️ *2025-03-22, version 3.2.1* This “bank” was semi-decent till just now. They froze my account for a couple days over an email that had a deadline of yall switching over to a new bank and now my account is shut down. That’s is what your customer service said to me. They provided no solutions or options for me , and I literally asked “so basically there’s nothing I can do to have an account with you guys?” Lady simply said “no”. Way to keep y’alls customers by just not giving a f and letting us go just like that. ## Most critical reviews (10 lowest-rated) ### 1/5 — Do not use! *2025-12-22, version 4.0.0* System is incredibly flawed since the switch from their previous bank to a new bank. You are unable to write personal checks, Take out large sums of money, and while they answer the phone quickly, they never actually end up solving any of the problems you have. This banking system has caused me so much stress and difficulty, please stay away. ### 1/5 — Not in T-Life App Anymore *2025-12-11, version 4.0.0* First, T-Money was moved to the T-Life app. As a recent former T-mobile customer, this is an annoying multi step login process. As of this evening, T-MONEY is no longer available in the T-life app either. Where is my bank account?! ### 1/5 — Can not use app and can not close account *2025-09-19, version 3.2.3* They recently changed bank and made many rule changes, customers can not call or wait hours to resolve issues or close account. Rules have changed without prior disclosures prior to moving our accounts. ### 1/5 — T-Life/T-Money bad move *2025-09-07, version 3.2.3* I tried linking an external bank account, but the customer service could not verify that the account was mine. T-Money customer service was unable to assist, as they could not even confirm the routing number. The app is missing a key function to properly link external accounts. When I attempted to add my account, it kept defaulting to “Customer Bank” instead of recognizing my actual bank. This needs to be fixed for smoother external transfers. ### 1/5 — Good then T-Life happened *2025-08-29, version 3.2.3* I actually loved using them as a means for my paychecks and daily needs for at least 3 years, but then they moved to the T-Life App. Then everything went to the dumps. Card continuously is getting declined, I can’t pay my bills now, it took 3 days to even access my own money, I can’t transfer my money, it’s crazy. Don’t anyone use this for banking anymore. They do not deserve your money ### 1/5 — New app *2025-08-28, version 3.2.3* I noticed that T-money switched to T-life yesterday. I got the T-life app and told me to wait 24 hours. I log in today and still nothing and telling me to wait 24 hours. When will I get my new account? ### 1/5 — Not customer oriented at all *2025-07-23, version 3.2.3* I have been a customer for years. I actually transferred from Sprint money is fine app and they destroy your money however, if something should go wrong as in case they do not really help. A scammer sent me a check and hired me to do a job. I wasn’t 100% sure about the situation and I deposited a check and was told to wait four days which I was glad to make sure the Funds were available. The next thing I know they my account and they want me to research a bunch of paperwork and send it to them to prove something. I’m not sure what. The lady then close my account and sent my money back to me again a fraudulent check was written to me and a job I was promised disappeared and I didn’t receive money for the job and then T-Mobile closes my bank account so my experience is not great as far as that goes if you ever have difficulties, they’re not on your side. I thought the reason we waited four days was to make sure your funds are available. I didn’t realize that I needed to know that prior to deposit. ### 1/5 — Can’t even open accounts *2025-07-19, version 3.2.3* It’s sad u can’t even open account I been waiting for 6 years .. I tried today and there still no option .this shouldn’t even be no type of advertising for this app !! ### 1/5 — Lies to customers *2025-06-23, version 3.2.3* Chime is way better. ### 1/5 — Scammers? *2025-06-11, version 3.2.3* I can’t access my account anymore. The app crashes upon login. I thought maybe it was my phone or service but I see others are having the same issue. All of my apps work just fine but this one. Why won’t they let anyone access their account? It’s not like I could walk into a physical bank to fix this issue. I may be closing my account soon. Thankfully my direct deposits go elsewhere. I can’t imagine the frustration for others. ## Most praised reviews (10 highest-rated) ### 5/5 — Must have *2025-08-02, version 3.2.3* I have had this account for years and deeply appreciate the $50 “got your back” that doesn’t charge a fee with the option to overdraft up to that amount. It’s easy to transfer money into the account and it is safe to use. Definitely recommend. ### 5/5 — T-Mobile Money Rocks *2025-07-26, version 3.2.3* Best mobile banking yet. Great interest return monthly. Easy to use. So easy to pay friends who also have this app. Helpful customer service reps. Highly recommended. I am a loyal T-Mobile customer. ### 5/5 — Convenient Banking *2025-07-09, version 3.2.3* It is perfect and always realible ### 5/5 — Add passkey support *2025-04-21, version 3.2.3* Please consider adding Pass keys so that way I don’t have to remember a password or have that vulnerability anymore. Other than that, this app is fantastic. ### 5/5 — Banking done right *2025-04-07, version 3.2.2* The app is great. Wish they get Zelle tho. But I have never got fees or anything else and the interest is great. And Always great customer service. ### 5/5 — Free interest *2025-04-05, version 3.2.2* I love the free interest on make ten transactions before the end of the month ### 5/5 — Save on Autopay! *2025-02-15, version 3.2.1* Love this extra benefit on my old plan, taking advantage of autopay discount!!! ### 5/5 — THE BEST *2025-01-29, version 3.2.1* This works great. My favorite checking account. ### 5/5 — Fabulous *2025-01-03, version 3.2.1* Amazing ### 5/5 — Savings account *2024-12-06, version 3.2.1* I’m using it to save money. 100% --- *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 2026-06-10.*