Comparison

Optum Bank vs Time ROI

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

Head to head
About

Optum Bank

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
Read full description

The Optum Bank app helps you get more out of your health account benefits. You’ll get clear tips on stretching every dollar. Plus, we’ll help you understand how to make your health savings account, flexible spending account or other spending accounts work harder for you. WITH THE APP UPDATE, YOU CAN NOW EASILY: Keep track of all your account balances Unlock more ways to use your health account dollars Use your account to pay for health costs Find answers if you have questions Store your health care receipts all in one place Understand what may qualify as an eligible health expense VIEW YOUR HEALTH ACCOUNTS FROM ANYWHERE See your health account balances and contributions and view health spending and saving transactions all in one place. DID SOMEONE SAY SHOPPING? YES, WE DID. Get more out of your health dollars and understand what health costs are eligible (think allergy meds, acupuncture and thousands more). Then shop and pay with your Optum card or digital wallet. PAY BILLS, PAY EASILY, PAY YOURSELF Pay for health-related expenses, check and submit claims for reimbursement and easily capture receipts, all with a few taps. AND IF YOU HAVE QUESTIONS, WE HAVE ANSWERS Easily find out what you need or type away and send us an email. ACCESS INSTRUCTIONS: You will need to have an Optum Bank health account to use this app. Please visit optumbank.com if you’re an Optum Bank customer and need to update your account credentials. ABOUT OPTUM BANK: Optum Bank is advancing care, connecting the worlds of health and finance in ways that no one else can. Optum Bank is a leading health accounts administrator with over $19.8B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Bank helps reduce costs while helping people make better health decisions — creating a better health care experience for our customers.

About

Time ROI

Features
Read full description

Time ROI helps freelancers, contractors, and self-employed professionals understand what their time is actually worth. Track work hours, monitor expenses, log mileage, and measure your true effective hourly rate after business costs and non-billable time. Whether you’re freelancing full-time, running a side business, consulting, or managing multiple clients, Time ROI helps you see which work is truly profitable. FEATURES • Track billable and non-billable time • Monitor your real effective hourly rate • Log expenses and mileage • Track client payments • Compare client profitability • View work history and trends • Export and back up your data • Personalized onboarding based on your occupation BUILT FOR SELF-EMPLOYED PROFESSIONALS Designed for freelancers, consultants, creators, contractors, and small business owners who want better awareness of where their time and money actually go. PRIVATE BY DESIGN Your data stays on your device. No accounts. No unnecessary tracking. No cloud dependency. PREMIUM FEATURES Unlock advanced profitability insights, burnout awareness tools, trend analysis, client rankings, and enhanced reporting with Time ROI Premium. Privacy Policy:https://mytimeproducts.com/timeroiprivacy https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Optum Bank4 screens
Time ROI4 screens

Verdict

The call

The clearest difference is in-app purchases: Optum Bank at none against Time ROI's 2. On price, update cadence, ads and device support 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. Time ROI sells 2 in-app purchases, starting at $4.99 per month. Optum Bank asks for nothing beyond the download.

UpkeepUpdate frequency

Optum Bank ships an update monthly, Time ROI every 3 weeks. The most recent releases landed on October 31, 2026 and October 28, 2026 respectively.

Scorecard1 real difference · 9 level
Optum Bank versus Time ROI: the parameters behind the verdict, then further details
ParameterOptum BankTime ROI
PriceFreeFree
Rating4.7 (55K ratings) — better—
Positive reviews25.6% of reviews—
Number of ratings55K — better—
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size66 MB60 MB
Age rating4+4+
DeveloperOptum Inc.Eric Head

Bugs and requests

Optum Bank

Reported bugs

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

Requested features

4 requests
  • 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

Time ROI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Optum Bank

No in-app purchases

2 purchases

Time ROI

Subscriptions2
  • True ROI Pro Monthly$4.991 Month
  • True ROI Pro Annual$39.991 Year

Questions

Is Optum Bank free?
Optum Bank is free to download, with no in-app purchases.
Is Time ROI free?
Time ROI is free to download, with in-app purchases available.
Do Optum Bank or Time ROI have ads?
Neither Optum Bank nor Time ROI shows ads.
Which is updated more often, Optum Bank or Time ROI?
Optum Bank ships an update monthly, and Time ROI every 3 weeks. Most recently, Optum Bank was updated on October 31, 2026 and Time ROI on October 28, 2026.

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