Comparison

BenefitsForYou vs EBCentral

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

Head to head
About

BenefitsForYou

Manage your retirement savings and plan for your future with 24/7 app access. Monitor your 401k and other retirement accounts, track investment performance, and utilize a retirement income planning tool to project your future income and ensure it lasts a lifetime.

Highlights
  • 24/7 retirement account access
  • Monitor 401k and savings plans
  • Retirement income planning tool
  • Project future retirement income
  • View account balances and performance
  • Track transactions and statements
Features
Read full description

BenefitsForYou on the go! Managing your retirement plan has never been easier, with 24/7 app accessibility, you can monitor your retirement account anytime, anywhere. See your 401k and any other retirement savings plans from your BenefitsForYou account. Leverage the power of RetireOnTarget, a complete retirement income planning tool in the palm of your hand. Clearly see how much retirement income you are on pace to achieve as well as how much projected income you’ll need to hit your income replacement goal. With RetireOnTarget on the BenefitsForYou app, you can build a plan that prepares you for retirement, and an income that lasts your lifetime. You can also view: o Account balances o Investment performance o Rate of return o Transactions history o System notifications o Account statements Download the BenefitsForYou app today! Ready to make changes to your account? Simple access to the Benefits For You website is at your fingertips. CUNA Mutual Retirement Solutions is a division of CUNA Mutual Group and the marketing name for CPI Qualified Plan Consultants, Inc., a CUNA Mutual Group member company. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuity insurance products are issued by CMFG Life Insurance Company, located in Madison, Wisconsin. Each insurer is solely responsible for the ‑ financial obligations under the policies and contracts it issues. Securities distributed by CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution. Representatives offer retirement and investment education but do not provide investment, legal or tax advice. Participants are encouraged to consult their own advisors. © CUNA Mutual Retirement Solutions, 2016 All Rights Reserved.

About

EBCentral

Manage all your benefit accounts, including FSA, HSA, and HRA, in one convenient app. Track your money, view account activity, submit claims with photos of receipts, and manage your benefits card. Stay organized and informed about your funds and deadlines.

Highlights
  • Unified benefit account management
  • Track balances and activity
  • Submit claims with receipt photos
  • Manage benefits card
  • View transaction history
  • Access support resources
  • Biometric login
Features
Read full description

EBCentral gives you a clear, simple way to manage all your benefit accounts in one place. Whether you use an FSA, HSA, HRA, or commuter benefits, the app helps you track your money, stay organized, and take action fast. Your Benefits at a Glance Open the app to see your balances, recent activity, important dates, and quick access to the tools you use most. Understand Your Spending Tap into any account to review contributions, purchases, remaining funds, and plan deadlines—everything you need to stay on track throughout the year. Submit Claims Easily Take a photo of your receipt, upload it, and submit. You can follow the status of each claim from start to finish, with most reviewed in 1–2 business days. Manage Your Benefits Card Get instant push notifications when your Benefits Card is used, so you always know what’s happening in real time. If a Benefits Card purchase needs a receipt, you can upload it instantly to keep your account in good standing. Track Deposits and Activity View every deposit, swipe, and reimbursement in one place. Filter your history to quickly find exactly what you’re looking for. Get Help When You Need It Read messages, access helpful resources, or reach out for additional support—all within the app. Strong, Secure Access Use biometric login to keep your information protected EBCentral brings everything together so you can focus less on managing benefits and more on using them.

Screenshots

BenefitsForYou3 screens
EBCentral4 screens

Verdict

The call

The clearest difference is rating: EBCentral at 4.7 against BenefitsForYou's 1.6. EBCentral also leads on review sentiment (27% vs 4%). BenefitsForYou's advantage is iOS requirement (15.0 vs 17.5). On price, ratings volume, update cadence and ads 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

EBCentral holds the better App Store score, 4.7 against 1.6. Both are backed by a comparable volume of ratings — 255 and 168 respectively. Written reviews point the same way: 4% of BenefitsForYou's written reviews are positive against 27% of EBCentral's.

UpkeepUpdate frequency

BenefitsForYou ships an update every 2 months, EBCentral every 5 weeks. Both last shipped on October 24, 2026.

Scorecard3 real differences · 7 level
BenefitsForYou versus EBCentral: the parameters behind the verdict, then further details
ParameterBenefitsForYouEBCentral
PriceFreeFree
Rating1.6 (255 ratings)4.7 (168 ratings) — better
Positive reviews4.3% of reviews26.7% of reviews — better
Number of ratings255 — better168
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better17.5
Further details — not scored
Size4 MB39 MB
Age rating4+4+
DeveloperCMFG LIFE INSURANCE COMPANYEmployee Benefits Corporation

Customer experience

BenefitsForYou

All ratings243 ratings
Positive15.2%
Neutral2.5%
Negative82.3%
Written reviews92 reviews
Positive4.3%
Neutral2.2%
Negative93.5%

EBCentral

All ratings166 ratings
Positive92.2%
Neutral1.8%
Negative6.0%
Written reviews75 reviews
Positive26.7%
Neutral8.0%
Negative65.3%

User reviews

BenefitsForYou

From 255 App Store ratings

What we love

  • 👍 Simple and easy to use
  • 🔒 Fingerprint login

Room to improve

  • 🐛 Crashes on login
  • 🐛 App not functioning after updates
  • 🐛 Frequent crashes and freezes
  • 🚫 App completely unusable

EBCentral

From 168 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast submission
  • 👍 Clear instructions
  • 🚀 Efficient review
  • 👍 Clean and simple interface

Room to improve

  • 🐛 Login issues
  • 🐛 App crashes
  • 🐛 Blank screens
  • 🐛 Incorrect credentials error
  • 🐛 Face ID issues

Bugs and requests

BenefitsForYou

Reported bugs

3 issues
  • Crashes on login
  • App not working after updates
  • Freezes and crashes frequently

Requested features

2 requests
  • Improve app stability and reliability
  • Add more functionality beyond just checking balances

EBCentral

Reported bugs

50 issues
  • Does not show all accounts (e.g., investment accounts)
  • App closes when trying to view activity
  • Next button does not work during claim submission
  • App does not work on iPhone
  • Error message: username or password wrong
Show 45 more
  • Unable to log in, connection error
  • App closes after clicking what to view
  • Transaction activity exits out of the app
  • App stops working, blank screen
  • Screen doesn't go anywhere after entering information
  • Constant document requests for HSA
  • Cannot log in to activate account
  • Logs out every time, does not save login
  • App not functional, login credentials clear
  • Face ID setting defaults to password
  • Not taking credentials for sign in
  • Login is wrong on app, but fine on browser
  • Empty home screen, no transactions visible
  • Claim submission not working correctly
  • Biometric login disabled frequently
  • Photos don't always upload
  • App closes randomly during use
  • Verification codes not verifying
  • App tells you password on website no longer works
  • Password won't work, Face ID won't work
  • App won't show balance or transactions, blank home screen
  • Main screen shows no data after login
  • Profile page displays 'Loading' and never loads
  • App just spins and spins, can't see information
  • App says PW is wrong, but browser works
  • App won't load after issuing new cards
  • 2 factor authentication default button resends code
  • App requires password even after enabling Face ID
  • App can't handle 2 uploaded pictures, closes and freezes
  • App won't log in with correct username and password
  • App gets worse with each update
  • Mobile app gives incorrect username/password error
  • App takes a long time to load or doesn't load at all
  • Old app was better, new app requires login every time
  • App spins and spins to load, blank screen
  • App provides no info, not even balance
  • App no longer works after setting up HealthSafe ID
  • App is unresponsive when submitting a claim
  • App logs into a blank screen, error message for everything
  • App says user or PW incorrect, but browser works
  • All pages are blank after login
  • App keeps telling me account information is wrong
  • App doesn't load, won't let me log in
  • Default button on 2 factor page resends code
  • Face ID never works, requires password

Requested features

3 requests
  • Add option to replace cards
  • Implement dark mode
  • Improve Face ID/biometric login persistence

In-app purchases

None

BenefitsForYou

No in-app purchases

None

EBCentral

No in-app purchases

Questions

Is BenefitsForYou free?
BenefitsForYou is free to download, with no in-app purchases.
Is EBCentral free?
EBCentral is free to download, with no in-app purchases.
Which has better reviews, BenefitsForYou or EBCentral?
EBCentral is rated higher. BenefitsForYou averages 1.6 out of 5 from 255 ratings, while EBCentral averages 4.7 from 168 ratings.
Do BenefitsForYou or EBCentral have ads?
Neither BenefitsForYou nor EBCentral shows ads.
Which is updated more often, BenefitsForYou or EBCentral?
BenefitsForYou ships an update every 2 months, and EBCentral every 5 weeks. Most recently, BenefitsForYou was updated on October 24, 2026 and EBCentral on October 24, 2026.

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