# R.Bank vs Insperity 401k

The clearest difference is review sentiment: R.Bank at 78% against Insperity 401k's 14%. R.Bank also leads on rating (4.5 vs 1.5) and update cadence (every 2 months vs every 11 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

R.Bank holds the better App Store score, 4.5 against 1.5. That said, the two scores are not equally well evidenced: R.Bank has 296 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 78% of R.Bank's written reviews are positive against 14% of Insperity 401k's.

R.Bank ships an update every 2 months, Insperity 401k every 11 months. The most recent releases landed on September 22, 2026 and September 13, 2026 respectively.

## The numbers

| Metric | R.Bank | Insperity 401k |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (296 ratings)](https://appshunter.io/ios/app/rbank/id1235185943/reviews)** | [1.5 (14 ratings)](https://appshunter.io/ios/app/insperity-401k/id1663009238/reviews) |
| Number of ratings | **296** | 14 |
| Positive reviews | **78.5% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 11 months |
| Monetization | Free | Free |
| Size | 50 MB | 28 MB |
| Requires iOS | **16.0** | 16.6 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [R Bank](https://appshunter.io/developer/1438030479) | [Insperity, Inc.](https://appshunter.io/developer/674606952) |

## What reviewers say

### R.Bank

[App page](https://appshunter.io/ios/app/rbank/id1235185943)

Manage your finances on the go with this mobile banking application. Access account balances, view transaction history, transfer funds, and deposit checks remotely. It also helps you find nearby branches and ATMs, and receive important account alerts.

**Highlights:** View account balances, View account activity, Transfer money between accounts, Deposit checks remotely, Locate branches and ATMs, Receive account alerts

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface and navigation
- 🚀 Quick and easy to use
- 💼 Simple, clean app display
- 🔒 Secure banking experience
- 📱 Remote check deposit functionality

**What reviewers complain about**

- 🐛 Face ID authentication frequently fails
- ⚠️ Data accuracy issues outside business hours
- 🐛 Balance information not updating correctly
- 🐛 Password reset issues related to Face ID
- 📊 Interest accrual not displayed on balance

**Reported bugs**

- Face ID disappears after 6-7 uses, requires password entry
- Account balance shows incorrect information when bank is closed
- Transaction data not updating until next business day
- Password changes required after enabling Face ID
- Bill pay showing hidden payees

**Requested features**

- Check deposit image preview when viewing transaction history
- Improved check deposit process
- More modern and intuitive user interface
- Better Face ID implementation and reliability
- Real-time interest accrual display


### Insperity 401k

[App page](https://appshunter.io/ios/app/insperity-401k/id1663009238)

Access your 401(k) account details and plan information on the go. View balances, contributions, rates of return, and loan information. Stay informed about plan news and alerts with secure access.

**Highlights:** View account balances, Check current rate of return, Monitor contribution rates, Review loan balances, Access plan news and alerts, Secure mobile access

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is R.Bank free?

R.Bank is free to download, with no in-app purchases.

### Is Insperity 401k free?

Insperity 401k is free to download, with no in-app purchases.

### Which has better reviews, R.Bank or Insperity 401k?

R.Bank is rated higher. R.Bank averages 4.5 out of 5 from 296 ratings, while Insperity 401k averages 1.5 from 14 ratings.

### Do R.Bank or Insperity 401k have ads?

Neither R.Bank nor Insperity 401k shows ads.

### Which is updated more often, R.Bank or Insperity 401k?

R.Bank ships an update every 2 months, and Insperity 401k every 11 months. Most recently, R.Bank was updated on September 22, 2026 and Insperity 401k on September 13, 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.*