Comparison

Optum Financial vs Money Intelligence

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

Head to head
About

Optum Financial

Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.

Highlights
  • Manage benefit accounts
  • View balances and transaction history
  • Pay providers or reimburse yourself
  • View and manage claims
  • Capture and upload documentation
  • Live customer care via mobile chat
Features
Read full description

Managing and paying for eligible health care expenses on the go has never been easier with the Optum Financial mobile app. Designed with unique features like receipt capture and e-sign dependent care certification, you can easily manage account details, access transaction history and view balances - giving you maximum control over you accounts and healthcare finances. Mobile features include: • Access to view and manage all Optum Financial benefit accounts • View account balances and transaction history • Pay providers or reimburse yourself for qualified out-of-pocket expenses • View and manage claims • Receive smart in-app alerts for claims requiring attention • Capture and upload claims documentation through photo capture technology • Quick access to previously submitted documentation • Connect with a live customer care representative via mobile chat 24/7 • Manage account preferences and add account users • Access eligible expenses listing Access Instructions You will need to have an Optum Financial or ConnectYourCare health account to use this app. If you are an Optum Financial or ConnectYourCare customer and need to update your account credentials, please visit www.optumfinancial.com. ABOUT OPTUM FINANCIAL: Optum Financial is advancing the way account holders save and pay for care, connecting the worlds of health and finance in ways that no one else can. Optum Financial is the #1 ranked health accounts administrator with over $17.7B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Financial helps reduce costs while helping people make better health decisions– creating a better health care experience for our customers.

About

Money Intelligence

This finance app simplifies 401(k) management for employees by reducing fees and improving investment choices. It also streamlines plan administration for companies, allowing entrepreneurs to focus on business growth.

Highlights
  • 401(k) simplification
  • Reduced fees
  • Improved investment choices
  • Automated plan administration
  • Mobile account access
Features
Read full description

Money Intelligence is fighting to turn 401(k)s into something employees love, instead of a hassle with high fees, poor investment choices, and complicated financial decisions. Money Intelligence also automates plan administration responsibilities for companies, so entrepreneurs can focus on building their companies and not on administering their benefits. This app allows customers to access their accounts from mobile devices

Screenshots

Optum Financial4 screens
Money Intelligence4 screens

Verdict

The call

The clearest difference is review sentiment: Optum Financial at 53% against Money Intelligence's 0%. Optum Financial also leads on rating (4.7 vs 2.3) and ratings volume (29K vs 3). Money Intelligence's advantage is device support (3 vs 1) and iOS requirement (11.0 vs 16.6). On price, update cadence, ads and in-app purchases 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

Optum Financial holds the better App Store score, 4.7 against 2.3. That said, the two scores are not equally well evidenced: Optum Financial has 29K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 53% of Optum Financial's written reviews are positive against 0% of Money Intelligence's.

UpkeepUpdate frequency

Optum Financial ships an update every 5 weeks, Money Intelligence monthly. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
Optum Financial versus Money Intelligence: the parameters behind the verdict, then further details
ParameterOptum FinancialMoney Intelligence
PriceFreeFree
Rating4.7 (29K ratings) — better2.3 (3 ratings)
Positive reviews53.4% of reviews — better0.0% of reviews
Number of ratings29K — better3
Update frequencyEvery 5 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.611.0 — better
Further details — not scored
Size24 MB32 MB
Age rating4+4+
DeveloperOptum Inc.DENARIUS CAPITAL ADVISORS, INC

Customer experience

Optum Financial

All ratings28,939 ratings
Positive94.7%
Neutral1.6%
Negative3.7%
Written reviews253 reviews
Positive53.4%
Neutral6.7%
Negative39.9%

Money Intelligence

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Optum Financial

Reported bugs

5 issues
  • Blank screens and app crashes
  • Inconsistent behavior with photo uploads
  • Login and account access issues
  • Incorrect or missing account balance information
  • Inability to add new documentation to existing claims

Requested features

5 requests
  • Ability to save provider information
  • Option to submit multiple claims at once
  • Automatic reimbursement based on insurance EOBs
  • Clearer communication on claim status and issues
  • Improved search and filtering for transactions

Money Intelligence

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Optum Financial

No in-app purchases

None

Money Intelligence

No in-app purchases

Questions

Is Optum Financial free?
Optum Financial is free to download, with no in-app purchases.
Is Money Intelligence free?
Money Intelligence is free to download, with no in-app purchases.
Which has better reviews, Optum Financial or Money Intelligence?
Optum Financial is rated higher. Optum Financial averages 4.7 out of 5 from 29K ratings, while Money Intelligence averages 2.3 from 3 ratings.
Do Optum Financial or Money Intelligence have ads?
Neither Optum Financial nor Money Intelligence shows ads.
Which is updated more often, Optum Financial or Money Intelligence?
Optum Financial ships an update every 5 weeks, and Money Intelligence monthly. Most recently, Optum Financial was updated on October 27, 2026 and Money Intelligence on October 24, 2026.

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