Comparison

OptimumBank Personal Mobile vs Optum Bank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

OptimumBank Personal Mobile

Manage your personal finances conveniently and securely 24/7 from your mobile device. Check balances, view transactions, transfer funds, deposit checks with a photo, and pay bills on the go. Locate branches and set up alerts for important account activity.

Highlights
  • Check account balances
  • View transaction history
  • Transfer money between accounts
  • Deposit checks via photo
  • Schedule and pay bills
  • Locate bank branches
  • Receive account alerts
Features
Read full description

Bank conveniently and securely 24/7 with OptimumBank’s Personal Mobile Banking. Now you can manage your personal finances anytime, anywhere - from your mobile device.  Manage Your Accounts: • Check account balances • View recent transactions, including check images • Transfer money between OptimumBank accounts • Receive alerts Deposit Checks: • Deposit checks by snapping a picture of each check • View deposit history in the app Pay Bills: • Schedule payments • View payment history • Pay other people using PopMoney • Locate an OptimumBank Branch Getting started is easy.  Simply download the app and sign on with your Personal Online Banking user credentials.  No additional bank fees apply. *For more information about OptimumBank’s Personal Mobile services, please visit www.optimumbank.com or call us at: (954) 900-2800.  *Carrier’s data rates may apply.

About

Optum Bank

Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

Highlights
  • Track account balances
  • Understand eligible expenses
  • Pay for health costs
  • Submit claims for reimbursement
  • Store health care receipts
  • View account transactions
Features
Read full description

The Optum Bank app helps you get more out of your health account benefits. You’ll get clear tips on stretching every dollar. Plus, we’ll help you understand how to make your health savings account, flexible spending account or other spending accounts work harder for you. WITH THE APP UPDATE, YOU CAN NOW EASILY: Keep track of all your account balances Unlock more ways to use your health account dollars Use your account to pay for health costs Find answers if you have questions Store your health care receipts all in one place Understand what may qualify as an eligible health expense VIEW YOUR HEALTH ACCOUNTS FROM ANYWHERE See your health account balances and contributions and view health spending and saving transactions all in one place. DID SOMEONE SAY SHOPPING? YES, WE DID. Get more out of your health dollars and understand what health costs are eligible (think allergy meds, acupuncture and thousands more). Then shop and pay with your Optum card or digital wallet. PAY BILLS, PAY EASILY, PAY YOURSELF Pay for health-related expenses, check and submit claims for reimbursement and easily capture receipts, all with a few taps. AND IF YOU HAVE QUESTIONS, WE HAVE ANSWERS Easily find out what you need or type away and send us an email. ACCESS INSTRUCTIONS: You will need to have an Optum Bank health account to use this app. Please visit optumbank.com if you’re an Optum Bank customer and need to update your account credentials. ABOUT OPTUM BANK: Optum Bank is advancing care, connecting the worlds of health and finance in ways that no one else can. Optum Bank is a leading health accounts administrator with over $19.8B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Bank helps reduce costs while helping people make better health decisions — creating a better health care experience for our customers.

Screenshots

OptimumBank Personal Mobile4 screens
Optum Bank4 screens

Verdict

The call

The clearest difference is ads: Optum Bank at none against OptimumBank Personal Mobile's shown. Optum Bank also leads on ratings volume (55K vs 37) and update cadence (monthly vs every 4 months). On price, rating, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for OptimumBank Personal Mobile against 4.7 for Optum Bank. That said, the two scores are not equally well evidenced: Optum Bank has 55K ratings behind it against 37, so its average is the more settled of the two.

UpkeepUpdate frequency

OptimumBank Personal Mobile ships an update every 4 months, Optum Bank monthly. The most recent releases landed on November 2, 2026 and November 8, 2026 respectively.

Scorecard4 real differences · 6 level
OptimumBank Personal Mobile versus Optum Bank: the parameters behind the verdict, then further details
ParameterOptimumBank Personal MobileOptum Bank
PriceFreeFree
Rating4.8 (37 ratings) — better4.7 (55K ratings)
Positive reviews—25.6% of reviews
Number of ratings3755K — better
Update frequencyEvery 4 monthsMonthly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size64 MB66 MB
Age rating4+4+
DeveloperOptimumBankOptum Inc.

Customer experience

OptimumBank Personal Mobile

All ratings31 ratings
Positive93.5%
Neutral3.2%
Negative3.2%

Optum Bank

All ratings54,625 ratings
Positive94.8%
Neutral2.5%
Negative2.7%
Written reviews246 reviews
Positive25.6%
Neutral6.5%
Negative67.9%

Bugs and requests

OptimumBank Personal Mobile

Not enough reviews yet to summarise bugs or requests.

Optum Bank

Reported bugs

4 issues
  • App crashes when submitting reimbursement claims
  • Receipts not displaying properly or disappearing
  • Investment transfer functionality not working
  • Slow performance and loading times

Requested features

4 requests
  • Batch claim processing for pharmacy receipts
  • Ability to associate receipts with past claims
  • Improved receipt management and submission flow
  • Consistent data and functionality between app and website

In-app purchases

None

OptimumBank Personal Mobile

No in-app purchases

None

Optum Bank

No in-app purchases

Questions

Is OptimumBank Personal Mobile free?
OptimumBank Personal Mobile is free to download, with no in-app purchases.
Is Optum Bank free?
Optum Bank is free to download, with no in-app purchases.
Which has better reviews, OptimumBank Personal Mobile or Optum Bank?
OptimumBank Personal Mobile is rated higher. OptimumBank Personal Mobile averages 4.8 out of 5 from 37 ratings, while Optum Bank averages 4.7 from 55K ratings.
Do OptimumBank Personal Mobile or Optum Bank have ads?
OptimumBank Personal Mobile shows ads; Optum Bank does not.
Which is updated more often, OptimumBank Personal Mobile or Optum Bank?
OptimumBank Personal Mobile ships an update every 4 months, and Optum Bank monthly. Most recently, OptimumBank Personal Mobile was updated on November 2, 2026 and Optum Bank on November 8, 2026.

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