# Northwestern Mutual vs Philo Mobile

The clearest difference is ads: Northwestern Mutual at none against Philo Mobile's shown. Northwestern Mutual also leads on update cadence (fortnightly vs every 4 months) and ratings volume (12K vs 117). Philo Mobile's advantage is iOS requirement (15.0 vs 18.0). 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 Northwestern Mutual against 4.8 for Philo Mobile. That said, the two scores are not equally well evidenced: Northwestern Mutual has 12K ratings behind it against 117, so its average is the more settled of the two.

Northwestern Mutual ships an update fortnightly, Philo Mobile every 4 months. The most recent releases landed on October 2, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | Northwestern Mutual | Philo Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (12K ratings)](https://appshunter.io/ios/app/northwestern-mutual/id1132579006/reviews) | **[4.8 (117 ratings)](https://appshunter.io/ios/app/philo-mobile/id1461139921/reviews)** |
| Number of ratings | **12K** | 117 |
| Positive reviews | 47.9% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Every 4 months |
| Monetization | **Free** | Ad-supported |
| Size | 119 MB | 104 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Northwestern Mutual](https://appshunter.io/developer/1132579005) | [Philo Exchange Bank Inc.](https://appshunter.io/developer/1461139920) |

## What reviewers say

### Northwestern Mutual

[App page](https://appshunter.io/ios/app/northwestern-mutual/id1132579006)

Manage your investment and insurance accounts, make payments, and track your net worth. Consolidate all your financial accounts in one place to monitor spending and view your overall financial health.

**Highlights:** View investment performance and transactions, Access insurance policy details, Make premium payments, Enroll in autopay, Consolidate all financial accounts, Categorize and monitor transactions, Track net worth

**In-app purchases:** none

**What reviewers like**

- 👍 Simple interface
- 👍 User-friendly
- 🚀 Helps track finances
- 🚀 Consolidates financial information
- 🔒 Secure app

**What reviewers complain about**

- 🐛 Limited functionality
- 🐛 Unreliable account linking
- 🐛 Frequent login issues
- 🐛 Outdated or inaccurate data
- 🐛 Buggy and crashes often

**Reported bugs**

- Login verification issues
- Disconnected accounts
- Unreliable data synchronization
- Enrollment in autopay not working

**Requested features**

- Ability to arrange accounts
- More customization options
- Improved charting and analytics
- Cryptocurrency account integration
- Enhanced document access


### Philo Mobile

[App page](https://appshunter.io/ios/app/philo-mobile/id1461139921)

Access your bank accounts on the go. View balances, transaction history, deposit checks, transfer funds, and pay bills securely from your mobile device. Manage your finances anytime, anywhere.

**Highlights:** View account balances, Check transaction history, Deposit checks, Transfer funds, Pay bills

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Northwestern Mutual free?

Northwestern Mutual is free to download, with no in-app purchases.

### Is Philo Mobile free?

Philo Mobile is free to download, with no in-app purchases.

### Which has better reviews, Northwestern Mutual or Philo Mobile?

Philo Mobile is rated higher. Northwestern Mutual averages 4.8 out of 5 from 12K ratings, while Philo Mobile averages 4.8 from 117 ratings.

### Do Northwestern Mutual or Philo Mobile have ads?

Philo Mobile shows ads; Northwestern Mutual does not.

### Which is updated more often, Northwestern Mutual or Philo Mobile?

Northwestern Mutual ships an update fortnightly, and Philo Mobile every 4 months. Most recently, Northwestern Mutual was updated on October 2, 2026 and Philo Mobile on September 26, 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.*