# UMOnline LMS vs Transact eAccounts

The clearest difference is rating: Transact eAccounts at 4.8 against UMOnline LMS's 1.5. Transact eAccounts also leads on update cadence (monthly vs every 6 months) and ratings volume (55K vs 19). UMOnline LMS's advantage is device support (3 vs 1) and iOS requirement (11.0 vs 17.0). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Transact eAccounts holds the better App Store score, 4.8 against 1.5. That said, the two scores are not equally well evidenced: Transact eAccounts has 55K ratings behind it against 19, so its average is the more settled of the two. Written reviews point the same way: 17% of UMOnline LMS's written reviews are positive against 40% of Transact eAccounts's.

UMOnline LMS ships an update every 6 months, Transact eAccounts monthly. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | UMOnline LMS | Transact eAccounts |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.5 (19 ratings)](https://appshunter.io/ios/app/umonline-lms/id1444343565/reviews) | **[4.8 (55K ratings)](https://appshunter.io/ios/app/transact-eaccounts/id1493974212/reviews)** |
| Number of ratings | 19 | **55K** |
| Positive reviews | 16.7% of reviews | **39.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Monthly** |
| Monetization | Free | Free |
| Best chart rank | — | **#150** |
| Size | 91 MB | 27 MB |
| Requires iOS | **11.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [The University of Montana](https://appshunter.io/developer/529597695) | [Transact Campus, LLC](https://appshunter.io/developer/1478447789) |

## What reviewers say

### UMOnline LMS

[App page](https://appshunter.io/ios/app/umonline-lms/id1444343565)

Access your online university coursework, assignments, and activities directly from your mobile device. Stay organized and connected with your studies anytime, anywhere.

**Highlights:** Access course information, View assignments, Track activities, Mobile coursework access, Efficient learning tool

**Features:** macOS Compatibility

**In-app purchases:** none


### Transact eAccounts

[App page](https://appshunter.io/ios/app/transact-eaccounts/id1493974212)

**Currently charting:** #150 Top Free · Education (US App Store)

Manage your campus accounts on the go. View balances, track transactions, and add funds easily. At participating institutions, use your digital ID for access and payments.

**Highlights:** View account balances, Track recent transactions, Add money to accounts, Digital ID in Apple Wallet, Report lost/found cards, Multi-factor authentication

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great technology
- 🚀 Convenient
- 👍 Easy to use
- 👍 Accessible
- 👍 Helpful

**What reviewers complain about**

- 🐛 Inconsistent performance
- 🐛 Unreliable
- 🐛 Slow
- 🐛 Buggy
- 🐛 Glitchy

**Reported bugs**

- Cannot add card to wallet
- Login/authentication issues
- Incorrect balance display
- Grayed out main screen after login
- Inability to find/select school

**Requested features**

- Allow for two accounts under the same institution
- Add option to edit payments within the app
- Improve wallet integration


## Frequently asked questions

### Is UMOnline LMS free?

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

### Is Transact eAccounts free?

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

### Which has better reviews, UMOnline LMS or Transact eAccounts?

Transact eAccounts is rated higher. UMOnline LMS averages 1.5 out of 5 from 19 ratings, while Transact eAccounts averages 4.8 from 55K ratings.

### Do UMOnline LMS or Transact eAccounts have ads?

Neither UMOnline LMS nor Transact eAccounts shows ads.

### Which is updated more often, UMOnline LMS or Transact eAccounts?

UMOnline LMS ships an update every 6 months, and Transact eAccounts monthly. Most recently, UMOnline LMS was updated on October 24, 2026 and Transact eAccounts 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.*