# OptimumBank Personal Mobile vs Optum Bank

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.

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

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.

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.

## The numbers

| Metric | OptimumBank Personal Mobile | Optum Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (37 ratings)](https://appshunter.io/ios/app/optimumbank-personal-mobile/id1114545966/reviews)** | [4.7 (55K ratings)](https://appshunter.io/ios/app/optum-bank/id1322690077/reviews) |
| Number of ratings | 37 | **55K** |
| Positive reviews | — | 25.5% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Ad-supported | **Free** |
| Size | 64 MB | 66 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [OptimumBank](https://appshunter.io/developer/1114545965) | [Optum Inc.](https://appshunter.io/developer/1133706680) |

## What reviewers say

### OptimumBank Personal Mobile

[App page](https://appshunter.io/ios/app/optimumbank-personal-mobile/id1114545966)

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:** macOS Compatibility

**In-app purchases:** none


### Optum Bank

[App page](https://appshunter.io/ios/app/optum-bank/id1322690077)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient and streamlined
- 👍 Easy to check balance and manage contributions
- 💡 Allows digital card in Apple Wallet

**What reviewers complain about**

- 🐛 Frequent login issues and app crashes
- 🔍 Limited functionality compared to website
- 🤔 Inconsistent user experience between app and website
- 🤯 Poor technical support and communication

**Reported bugs**

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

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*