# Optum Financial vs Paven

The clearest difference is rating: Optum Financial at 4.7 against Paven's 4.3. Optum Financial also leads on ratings volume (29K vs 34). Paven's advantage is review sentiment (80% vs 53%) and iOS requirement (14.0 vs 16.6). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Optum Financial holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: Optum Financial has 29K ratings behind it against 34, so its average is the more settled of the two. Written reviews complicate that: 53% of Optum Financial's written reviews are positive against 80% of Paven's, so the app with the better star average is not the one people write more warmly about.

Optum Financial ships an update every 5 weeks, Paven every 2 months. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Optum Financial | Paven |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews)** | [4.3 (34 ratings)](https://appshunter.io/ios/app/paven/id1517775611/reviews) |
| Number of ratings | **29K** | 34 |
| Positive reviews | 53.4% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 24 MB | 121 MB |
| Requires iOS | 16.6 | **14.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Optum Inc.](https://appshunter.io/developer/1133706680) | [Roundfeather](https://appshunter.io/developer/1503236125) |

## What reviewers say

### Optum Financial

[App page](https://appshunter.io/ios/app/optum-financial/id1303691237)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile experience
- 💳 Ability to pay providers directly
- 📂 Straightforward claim submission
- 💰 Helpful for managing medical expenses

**What reviewers complain about**

- 🐛 Buggy document upload and submission
- 🤔 Lack of explanations for claim rejections
- 🕰️ Slow processing and response times
- 🔍 Unintuitive navigation and UI
- 🤖 Poor customer service and support

**Reported bugs**

- 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**

- 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


### Paven

[App page](https://appshunter.io/ios/app/paven/id1517775611)

Empower your financial future with personalized guidance to reach your goals at your own pace. This app helps employees navigate benefits, plan for retirement, manage debt, and budget effectively. Gain confidence to control your entire financial life with jargon-free insights and interactive tools.

**Highlights:** Self-paced financial guidance, Personalized goal tracking, Interactive planning and budgeting, Jargon-free financial insights, Prioritize competing goals, Employer benefit information, Access to financial coaches

**In-app purchases:** none


## Frequently asked questions

### Is Optum Financial free?

Optum Financial is free to download, with no in-app purchases.

### Is Paven free?

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

### Which has better reviews, Optum Financial or Paven?

Optum Financial is rated higher. Optum Financial averages 4.7 out of 5 from 29K ratings, while Paven averages 4.3 from 34 ratings.

### Do Optum Financial or Paven have ads?

Neither Optum Financial nor Paven shows ads.

### Which is updated more often, Optum Financial or Paven?

Optum Financial ships an update every 5 weeks, and Paven every 2 months. Most recently, Optum Financial was updated on October 28, 2026 and Paven on October 24, 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.*