# Optum Bank vs READYSAVE™

Optum Bank and READYSAVE™ both sit at 4.7 stars, but that hides the real split: 34% of READYSAVE™'s written reviews are positive against 26% of Optum Bank's. Optum Bank's advantage is ratings volume (55K vs 12K). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for Optum Bank against 4.9 for READYSAVE™. Both are backed by a comparable volume of ratings — 55K and 12K respectively. Written reviews are what separate them: 26% of Optum Bank's written reviews are positive against 34% of READYSAVE™'s.

Optum Bank ships an update monthly, READYSAVE™ every 6 weeks. Both last shipped on October 27, 2026.

## The numbers

| Metric | Optum Bank | READYSAVE™ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (55K ratings)](https://appshunter.io/ios/app/optum-bank/id1322690077/reviews) | **[4.9 (12K ratings)](https://appshunter.io/ios/app/readysave/id1490893138/reviews)** |
| Number of ratings | **55K** | 12K |
| Positive reviews | 25.6% of reviews | **34.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 65 MB | 249 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Optum Inc.](https://appshunter.io/developer/1133706680) | [Ascensus](https://appshunter.io/developer/1455711984) |

## What reviewers say

### Optum Bank

[App page](https://appshunter.io/ios/app/optum-bank/id1322690077)

Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

**Highlights:** Track account balances, Understand eligible expenses, Pay for health costs, Submit claims for reimbursement, Store health care receipts, View account transactions

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient and streamlined
- 👍 Easy to check balance and manage contributions
- 💡 Allows digital card in Apple Wallet

**What reviewers complain about**

- 🐛 Frequent login issues and app crashes
- 🔍 Limited functionality compared to website
- 🤔 Inconsistent user experience between app and website
- 🤯 Poor technical support and communication

**Reported bugs**

- App crashes when submitting reimbursement claims
- Receipts not displaying properly or disappearing
- Investment transfer functionality not working
- Slow performance and loading times

**Requested features**

- Batch claim processing for pharmacy receipts
- Ability to associate receipts with past claims
- Improved receipt management and submission flow
- Consistent data and functionality between app and website


### READYSAVE™

[App page](https://appshunter.io/ios/app/readysave/id1490893138)

Manage your retirement savings with secure login, account balance checks, and investment tracking. Get personalized guidance to adjust your savings rate and build confidence for your future.

**Highlights:** Secure login (Face ID, Touch ID, passcode), View account balances and transaction history, Track investments and rate of return, Project monthly retirement income, Adjust savings rate with personalized guidance

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and responsive
- 💡 Continuous improvements based on user feedback
- 🔒 Secure login options

**What reviewers complain about**

- 🐛 Frequent login issues
- 🔍 Lack of detailed performance tracking
- 📊 Limited investment management features
- 🔍 Bare-bones functionality

**Reported bugs**

- Dashboard fails to load consistently
- Recent app updates have broken core functionality
- Compatibility issues with older devices and operating systems

**Requested features**

- Add ability to track annual contribution limits
- Provide more detailed investment performance analytics
- Improve investment management capabilities
- Enhance user interface and navigation


## Frequently asked questions

### Is Optum Bank free?

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

### Is READYSAVE™ free?

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

### Which has better reviews, Optum Bank or READYSAVE™?

READYSAVE™ is rated higher. Optum Bank averages 4.7 out of 5 from 55K ratings, while READYSAVE™ averages 4.9 from 12K ratings.

### Do Optum Bank or READYSAVE™ have ads?

Neither Optum Bank nor READYSAVE™ shows ads.

### Which is updated more often, Optum Bank or READYSAVE™?

Optum Bank ships an update monthly, and READYSAVE™ every 6 weeks. Most recently, Optum Bank was updated on October 27, 2026 and READYSAVE™ on October 27, 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.*