# Optum Financial vs Borderly

The clearest difference is in-app purchases: Optum Financial at none against Borderly's 6. Optum Financial also leads on ratings volume (29K vs 1) and update cadence (every 5 weeks vs every 5 months). Borderly's advantage is rating (5.0 vs 4.7). On price, ads and device support there is nothing between them.

Both are free to download. Borderly sells 6 in-app purchases, starting at $29.99 per month. Optum Financial asks for nothing beyond the download.

Borderly holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Optum Financial has 29K ratings behind it against 1, so its average is the more settled of the two.

Optum Financial ships an update every 5 weeks, Borderly every 5 months. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Optum Financial | Borderly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/borderly-residency-tracker/id6767043532/reviews)** |
| Number of ratings | **29K** | 1 |
| Positive reviews | 53.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 5 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 24 MB | 14 MB |
| Requires iOS | **16.6** | 18 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Optum Inc.](https://appshunter.io/developer/1133706680) | [Borderly](https://appshunter.io/developer/1896356025) |

## 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


### Borderly

[App page](https://appshunter.io/ios/app/borderly-residency-tracker/id6767043532)

This app tracks your daily location to provide irrefutable proof of residency for tax purposes. It offers automatic GPS-based tracking, timestamped records, and professional PDF reports. Plan future travel and securely share data with your tax advisor.

**Highlights:** Automatic GPS-based location tracking, Timestamped records for legal proof, Professional PDF reports, Scenario planning for future travel, Secure sharing with tax advisors, Evidence vault for supporting documents

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Protect Monthly | $29.99 | per month |
| Certify Monthly | $69.99 | per month |
| Anchor Monthly | $139.99 | per month |
| Protect Annual | $299.99 | per year |
| Certify Annual | $699.99 | per year |
| Anchor Annual | $1399.99 | per year |


## Frequently asked questions

### Is Optum Financial free?

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

### Is Borderly free?

Borderly is free to download, with in-app purchases available.

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

Borderly is rated higher. Optum Financial averages 4.7 out of 5 from 29K ratings, while Borderly averages 5.0 from 1 ratings.

### Do Optum Financial or Borderly have ads?

Neither Optum Financial nor Borderly shows ads.

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

Optum Financial ships an update every 5 weeks, and Borderly every 5 months. Most recently, Optum Financial was updated on November 4, 2026 and Borderly on October 31, 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.*