# UMB Commercial Card — Manage your commercial card

> Commercial card management for cardholders and approvers. (iPhone/iPad app by UMB Financial Corporation.)

- Source: https://appshunter.io/ios/app/umb-commercial-card/id1461998038 (this page in markdown: same URL + `.md`)
- Developer: [UMB Financial Corporation](https://appshunter.io/developer/446955888)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.60/5 from 839 App Store ratings · 12 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.7.11 · 172 MB
- Languages: British English, Dutch, Finnish, Canadian French, German (Germany), Italian, Japanese, Norwegian Bokmål, Polish, Brazilian Portuguese and 8 more
- Released: 2019-05-27
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/umb-commercial-card/id1461998038/reviews.md

## What is UMB Commercial Card?

Manage your commercial card account anytime, anywhere with the UMB Commercial Card app.

For cardholder:
UMB’s powerful expense management capabilities let you streamline your expense reporting to capture receipts when you make purchases. Upload receipt images directly from your mobile device. Take advantage of the account listing to view all your accounts and transactions, and easily code transactions from anywhere.

For account managers and approvers:
The app gives you convenient anytime access so you can review and approve your cardholders’ transactions on-the-go.

Key features:
+ Take photos of your receipts using your device 
+ Link receipts to expense transactions
+ Manage receipts in the image library
+ View card expenses
+ Code transactions and submit expenses 
+ Approve expenses 

This app is an extension of the UMB Commercial Card online platform. To use the app, you must have:
+ A UMB-issued commercial, corporate or purchasing card
+ Access to the UMB Commercial Card online platform. Contact your program administrator if you need assistance with online access.

## Key features

- Upload receipt photos
- Link receipts to transactions
- View card expenses
- Code transactions
- Approve expenses

## Recent user reviews (10 of 12)

All indexed reviews: https://appshunter.io/ios/app/umb-commercial-card/id1461998038/reviews.md

### 1/5 — Worst app ever

*2026-07-13*

Title says enough. Garbage app for a garbage company.

### 1/5 — Always a nightmare

*2026-04-30*

Installing on a new phone, a nightmare, changing passwords, nightmare, ease of use, you guessed it nightmare.

### 4/5 — Good service

*2026-01-12*

I’m satisfied

### 1/5 — Slow and glitchy

*2025-12-08*

This is the worst app ever! It’s slow, it’s glitchy, and it’s frustrating to use!

### 1/5 — The spinning wheel of non production

*2024-09-03*

When and if it works it works fine, or okay at best.  The spinning wheel of non production at least once a month.  Or the face login that doesn’t work and you have to put your pin in anyway.  Times out too quick.  If this was a car it would be a Yugo or perhaps chevette.

### 2/5 — Flakey, unreliable

*2024-08-29*

Ridiculous that a large company such as UMB allows a business support product to be so poor. It’s not rocket science. The app crashes or shuts down. Import is flakey. Horrible.

### 1/5 — Worst app ever

*2022-08-22*

The UMB team can’t even help with logging in!

### 5/5 — Super simple

*2021-10-27*

Easier than our previous bank’s ap

### 1/5 — Too many issues

*2021-01-28*

App freezes, updates too much and locks account. When it works it’s good but as much as I use it that isn’t very often. Other banking apps work 10x better with less issues.

### 1/5 — App Crashes

*2019-09-18*

Every time I upload a receipt the app closes and I have log back in. Please update.

## Frequently asked questions about UMB Commercial Card

### What can I do with the UMB Commercial Card app?

The app allows cardholders to manage their commercial card accounts by uploading receipt photos, linking them to transactions, viewing expenses, and coding transactions. Account managers can also use the app to review and approve cardholder transactions remotely.

### Who is this app for?

This app is designed for individuals who hold a UMB-issued commercial, corporate, or purchasing card, as well as account managers and approvers responsible for overseeing these card accounts.

### Is there a cost to use the UMB Commercial Card app?

Based on the provided information, the app is free to download and use. There are no mentions of in-app purchases or subscription fees associated with its core functionality.

### What do I need to use the UMB Commercial Card app?

To use the app, you must have a UMB-issued commercial, corporate, or purchasing card. Additionally, you need to have access to the UMB Commercial Card online platform. If you need assistance with online access, you should contact your program administrator.

### How does the app help with expense reporting?

The app streamlines expense reporting by allowing cardholders to capture receipts directly from their mobile devices, upload images, and link them to specific expense transactions. This makes it easier to manage and submit expenses on the go.

## Version history (last 5 releases)

### 263.0 — 2026-08-25

• The receipt gallery now displays merchant name, category, date, and amount for each receipt on supported iOS devices, reducing the time spent finding and linking receipts.
• Spend requests can now be edited and recalled to Draft status from the mobile app.

### 262.0 — 2026-05-04

•The Expense screens have new layouts and a new look.
•The Request screens have new layouts and a new look.
•On supported iOS devices, receipt scanning helps auto‑populate cash expense details-reducing manual entry and improving accuracy.

### 261.0 — 2026-02-16

You can now upload files, not just images, to the Receipts directly from the mobile app.
Bug fixes and improvements.

### 254.0 — 2025-11-14

• Receipts now feature a modern design for a cleaner, more intuitive experience.
• Logging in is now faster and clearer! We've also made the Authenticator option easier to find, with updated on-screen guidance to help you use the mobile app for authentication.
  Employees can now request a credit limit change.

### 253.0 — 2025-08-28

•The new Home screen lets you do everything in one place. On the Home screen you can view your accounts and balances, submit and approve requests and expenses, and upload receipts. The Home screen is your new default screen. 
•The Accounts screens have new layouts and a new look.

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## 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)
- [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

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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 2026-08-29.*