# UMB Benefit Spending Accounts > Mobile app for managing HRA and FSA health benefit accounts. (iPhone/iPad app by UMB Financial Corporation.) - Source: https://appshunter.io/ios/app/umb-benefit-spending-accounts/id1595197573 (this page in markdown: same URL + `.md`) - Developer: [UMB Financial Corporation](https://appshunter.io/developer/446955888) - Category: Finance - Price: Free - Rating: 1.20/5 from 44 App Store ratings · 13 written reviews indexed - Age rating: 17+ - Requires: iOS 17.0 · 29 MB - Languages: American English - Released: 2021-11-16 - Data updated: 2026-08-30 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/umb-benefit-spending-accounts/id1595197573/reviews.md ## What is UMB Benefit Spending Accounts? With UMB Flex, you can save time and hassles while making the most of your HRA and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device • Use Touch ID or Face ID to quickly log in to the mobile app Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service • View your statements and notifications • Scan product barcodes to determine their eligibility Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • Pay bills from any account and add a payee • Manage your expenses by entering medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen UMB Financial Corporation - Powered by WEX® ## Key features - Check account balances 24/7 - View claims and receipts - Submit claims and expenses - Scan product barcodes for eligibility - Secure login with Touch ID/Face ID - File claims and pay bills ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/umb-benefit-spending-accounts/id1595197573/reviews.md ### 1/5 — Login failure *2026-04-15* You can't log in. I literally got on the website fine but the app says invalid username or password. It's the same username and password. Terrible implementation. ### 1/5 — You can’t log in *2026-03-02* My user name and password would not work, even though they work fine on the web. ### 1/5 — App doesn’t even work at a baseline *2026-01-22* Nothing to write, the logon doesn’t work. ### 1/5 — Ever going to fix? *2026-01-16* One star is too much. Haven’t been able to log in a single time. ### 1/5 — This app is junk. Error in login itself. Not allowing to login with correct user name and password *2025-12-28* This app is junk. Error in login itself. Not allowing to login with correct user name and password which I use to login in website. No option to register also. ### 1/5 — Can’t log in *2025-12-01* Like the other reviews say, the app won’t even let you log in. ### 1/5 — Can’t login at all *2025-11-15* For whatever reason this app just doesn’t work at all and I am having to go online via a browser any time I want to look at my account. So dumb and they should just delete this app if they aren’t going to make it work! ### 1/5 — Unusable *2025-06-18* You literally cannot log into the app!!! I have tried dozens of times! I have no problem logging into the website, but this app literally will not work… I wish my employer did not use this terrible company. ### 1/5 — Login Failed *2025-02-03* Can’t login, even after resetting password. Looks like this has been a common complaint for well over a year. Garbage support. ### 1/5 — Remove this junk from store *2023-07-11* Does not work at all. ## Frequently asked questions about UMB Benefit Spending Accounts ### What is UMB Benefit Spending Accounts? UMB Benefit Spending Accounts is a mobile application designed to help users manage their HRA and FSA health benefit accounts. It allows for quick checking of balances, viewing claims, and submitting expenses. ### Is UMB Benefit Spending Accounts secure? Yes, the app employs secure login methods like Touch ID or Face ID and does not store sensitive account information on your mobile device. It prioritizes user data protection. ### What devices support UMB Benefit Spending Accounts? UMB Benefit Spending Accounts is available for both iPhone and iPad devices, offering a seamless experience across Apple's mobile platforms. ### How often is UMB Benefit Spending Accounts updated? The app was last updated on January 7, 2026, indicating a recent focus on maintenance and potential feature enhancements. Users can expect ongoing support and improvements. ### What is the user rating for UMB Benefit Spending Accounts? The app has a rating of 1.3 stars based on 34 ratings. This suggests that while some users find it functional, there may be areas for improvement based on user feedback. ### Can I file claims with UMB Benefit Spending Accounts? Yes, you can file claims towards your FSA and HRA accounts. The app allows you to take or upload pictures of receipts and submit them for new or existing claims. ### Does UMB Benefit Spending Accounts have ads? No, UMB Benefit Spending Accounts does not contain advertisements. It provides an ad-free experience for managing your health benefit accounts. ### What is the age rating for UMB Benefit Spending Accounts? The app has an age rating of 17+, which is typical for finance and account management applications that may handle sensitive personal information. ## Version history (last 5 releases) ### 318.20.0 — 2026-08-05 Version 318.0 provides you with: Security updates Bug fixes ### 317.9.0 — 2026-06-01 Version 317.0 provides you with: Security updates Bug fixes ### 312.19.0 — 2026-01-07 Bug Fixes Security Enhancements ### 20.6.0 — 2025-08-14 Version 20.0 provides you with: Enhanced security updates Bug fixes ### 20.4.0 — 2025-04-09 Version 20.0 provides you with: Enhanced security updates Bug fixes ## Apps similar to UMB Benefit Spending Accounts | App | Rating | Price | Category | | --- | --- | --- | --- | | [Currency Now](https://appshunter.io/ios/app/currency-now/id1525402900) | — | Free | Finance | | [Metro Bank Authenticator](https://appshunter.io/ios/app/metro-bank-authenticator/id1524446800) | — | Free | Finance | | [Banco Río Token](https://appshunter.io/ios/app/banco-rio-token/id1526318960) | — | Free | Finance | | [KRAKONS Wallet](https://appshunter.io/ios/app/krakons-wallet/id1524413440) | — | Free | Finance | | [Continental Bank](https://appshunter.io/ios/app/continental-bank/id1527526340) | 4.2 (5) | Free | Finance | | [Gold Loan at Home](https://appshunter.io/ios/app/gold-loan-at-home/id1527737940) | — | Free | Finance | ## More apps by UMB Financial Corporation - [UMB Mobile](https://appshunter.io/ios/app/umb-mobile/id446955885) - [UMB Mobile Deposit Business](https://appshunter.io/ios/app/umb-mobile-deposit-business/id860037249) - [UMB AltPro](https://appshunter.io/ios/app/umb-altpro/id949213013) - [UMB Commercial Card](https://appshunter.io/ios/app/umb-commercial-card/id1461998038) - [Investor Online Direct](https://appshunter.io/ios/app/investor-online-direct/id1523373578) - [Card Center Direct](https://appshunter.io/ios/app/card-center-direct/id1523496307) All apps by UMB Financial Corporation: https://appshunter.io/developer/446955888 ## Related topics [umb hsa](https://appshunter.io/ios/topics/umb-hsa) · [umb benefit spending accounts](https://appshunter.io/ios/topics/umb-benefit-spending-accounts) · [benefit spending accounts](https://appshunter.io/ios/topics/benefit-spending-accounts) · [umb](https://appshunter.io/ios/topics/umb) --- *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 2026-08-30.*