# Optum Bank vs Time ROI

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.

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.

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.

## The numbers

| Metric | Optum Bank | Time ROI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (55K ratings)](https://appshunter.io/ios/app/optum-bank/id1322690077/reviews)** | — |
| Number of ratings | **55K** | — |
| Positive reviews | 25.6% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | — |
| Size | 66 MB | 60 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Optum Inc.](https://appshunter.io/developer/1133706680) | [Eric Head](https://appshunter.io/developer/1875747118) |

## 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


### Time ROI

[App page](https://appshunter.io/ios/app/time-roi/id6764358859)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| True ROI Pro Monthly | $4.99 | per month |
| True ROI Pro Annual | $39.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*