Comparison

HSA Central vs UCU Mobile

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

Head to head
About

HSA Central

Easily manage your Health Savings Account on the go with real-time access to balances, transactions, and statements. Securely check details, submit expenses, and even scan product barcodes for eligibility.

Highlights
  • Check available balances 24/7
  • View account charts and statements
  • Scan product barcodes for eligibility
  • Reimburse yourself from HSA
  • Submit receipts for expenses
  • View and manage HSA investments
Features
Read full description

Save time and hassles while making the most of your Health Savings Account by quickly checking your balances and details. Our secure app makes managing your HSA easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: EASY, CONVENIENT & SECURE - Simply login to the intuitive app using your HSA Central consumer portal username and password - No sensitive account information is ever stored on your mobile device - Use Touch ID or Face ID to quickly log in to the mobile app CONNECT YOU WITH THE DETAILS - Quickly check available balances 24/7 - View charts summarizing your account - Click to call or email Customer Service - View your statements and notifications - Scan product barcodes to determine their eligibility PROVIDES ADDITIONAL TIME-SAVING OPTIONS - Reimburse yourself from your HSA - Take or upload a picture of a receipt and submit for a new or existing expense - View, contribute and distribute HSA transactions - Pay bills from your account and add a payee - Manage your expenses by entering medical expense information and supporting documentation - View and Manage your HSA investments - Retrieve your forgotten username/password - Report a debit card as lost or stolen

About

UCU Mobile

Manage your finances on the go with this mobile banking application. View balances, make transfers, pay bills, and deposit checks. Securely access your accounts and manage card controls from your device.

Highlights
  • View account balances and transactions
  • Make internal and external transfers
  • Deposit checks via mobile camera
  • Pay bills and manage loan payments
  • Set up account alerts
  • Manage debit and credit card controls
  • Locate branches and ATMs
Features
Read full description

Mobile banking at your fingertips. Banking with UCU Mobile is faster and easier than ever before! With UCU Mobile, you can: View balances View transaction View scheduled transfers, pending deposits, and upcoming transfers Set up alerts Face ID authentication Make transfers between your accounts Make transfer to other UCU members Make loan payments Grant account access to a sub-user Deposit checks by taking a picture with your device’s camera Manage card controls for your debit and credit cards from your device. This includes freezing misplaced cards. View monthly statements Order checks Pay bills Locate branches and ATM’s near you UCU’s Mobile App is convenient, safe, and secure. First time users must select the enroll link to set up their account. If you have any issues using the app, please call us at 573.581.8651 for assistance. You must be a member of United Credit Union to enroll. Looking to become a member, visit one of our branch locations or visit us at www.unitedcu.org for more information. Insured by NCUA We are United!

Screenshots

HSA Central4 screens
UCU Mobile4 screens

Verdict

The call

The clearest difference is rating: UCU Mobile at 3.6 against HSA Central's 2.9. UCU Mobile also leads on review sentiment (45% vs 32%). On price, ratings volume, update cadence and ads 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

UCU Mobile holds the better App Store score, 3.6 against 2.9. Both are backed by a comparable volume of ratings — 45 and 23 respectively. Written reviews point the same way: 32% of HSA Central's written reviews are positive against 45% of UCU Mobile's.

UpkeepUpdate frequency

HSA Central ships an update every 6 months, UCU Mobile every 3 months. The most recent releases landed on August 16, 2026 and August 4, 2026 respectively.

Scorecard2 real differences · 8 level
HSA Central versus UCU Mobile: the parameters behind the verdict, then further details
ParameterHSA CentralUCU Mobile
PriceFreeFree
Rating2.9 (45 ratings)3.6 (23 ratings) — better
Positive reviews31.8% of reviews45.5% of reviews — better
Number of ratings45 — better23
Update frequencyEvery 6 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.016
Further details — not scored
Size26 MB83 MB
Age rating17+4+
DeveloperCentral Bancompany, IncUnited Credit Union, MO

Customer experience

HSA Central

All ratings45 ratings
Positive48.9%
Neutral0.0%
Negative51.1%
Written reviews22 reviews
Positive31.8%
Neutral0.0%
Negative68.2%

UCU Mobile

All ratings23 ratings
Positive60.9%
Neutral4.3%
Negative34.8%
Written reviews11 reviews
Positive45.5%
Neutral9.1%
Negative45.5%

In-app purchases

None

HSA Central

No in-app purchases

None

UCU Mobile

No in-app purchases

Questions

Is HSA Central free?
HSA Central is free to download, with no in-app purchases.
Is UCU Mobile free?
UCU Mobile is free to download, with no in-app purchases.
Which has better reviews, HSA Central or UCU Mobile?
UCU Mobile is rated higher. HSA Central averages 2.9 out of 5 from 45 ratings, while UCU Mobile averages 3.6 from 23 ratings.
Do HSA Central or UCU Mobile have ads?
Neither HSA Central nor UCU Mobile shows ads.
Which is updated more often, HSA Central or UCU Mobile?
HSA Central ships an update every 6 months, and UCU Mobile every 3 months. Most recently, HSA Central was updated on August 16, 2026 and UCU Mobile on August 4, 2026.

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