Comparison

Lively Benefits vs EBCentral

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

Head to head
About

Lively Benefits

Manage your health benefits effortlessly with an intuitive interface designed for everyone. Track balances, initiate claims, verify purchases, and access eligible expense lists on the go. Secure login features ensure your account remains protected.

Highlights
  • View important benefit information
  • Manage account balance and transactions
  • Initiate and verify claims
  • Access eligible expense lists
  • Secure login with 2FA and biometrics
Features
Read full description

The Lively Benefits app brings the simplicity and signature user experience of the Lively platform to the palm of your hands. Easily manage your Lively benefits from anywhere through an unrivaled easy-to-use interface, even for the least tech savvy among us. Use the Lively app to: • View a single view of what’s important: Designed to tell you exactly what you need to know to make the most out of your Lively benefits and take timely action. • Manage your account on the move: Track account balance, access transactions history, manage your Lively debit cards*, and more. • Initiate claims and verify purchases: A paperless, easy claims verification process that guides you with clear instructions at every step. • Check what qualifies as eligible: Access the list of qualified expenses directly through your app. Our comprehensive list
is always up-to-date and easy to access on the go. • Keep your data safe: Login security measures such as Two-Factor Authentication (2FA) and biometric credentials keep your account safe from unauthorized users. Lively is the benefit solutions provider that finally gets it right. We are committed to helping your Lively accounts reach their maximum potential through intuitive design, accessible customer support, and ongoing education. We hope you’ll give the app a try. Visit us at livelyme.com to learn more or contact Lively Support at support@livelyme.com. *HSA card issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa or Mastercard.

About

EBCentral

Manage all your benefit accounts, including FSA, HSA, HRA, and commuter benefits, in one convenient app. Track your money, view account activity, submit claims with photos of receipts, and manage your benefits card with real-time notifications.

Highlights
  • Unified benefit account management
  • Track balances and activity
  • Submit claims with receipt photos
  • Manage benefits card
  • Real-time transaction notifications
  • Biometric login
Features
Read full description

EBCentral gives you a clear, simple way to manage all your benefit accounts in one place. Whether you use an FSA, HSA, HRA, or commuter benefits, the app helps you track your money, stay organized, and take action fast. Your Benefits at a Glance Open the app to see your balances, recent activity, important dates, and quick access to the tools you use most. Understand Your Spending Tap into any account to review contributions, purchases, remaining funds, and plan deadlines—everything you need to stay on track throughout the year. Submit Claims Easily Take a photo of your receipt, upload it, and submit. You can follow the status of each claim from start to finish, with most reviewed in 1–2 business days. Manage Your Benefits Card Get instant push notifications when your Benefits Card is used, so you always know what’s happening in real time. If a Benefits Card purchase needs a receipt, you can upload it instantly to keep your account in good standing. Track Deposits and Activity View every deposit, swipe, and reimbursement in one place. Filter your history to quickly find exactly what you’re looking for. Get Help When You Need It Read messages, access helpful resources, or reach out for additional support—all within the app. Strong, Secure Access Use biometric login to keep your information protected EBCentral brings everything together so you can focus less on managing benefits and more on using them.

Screenshots

Lively Benefits4 screens
EBCentral4 screens

Verdict

The call

Lively Benefits and EBCentral both sit at 4.8 stars, but that hides the real split: 54% of Lively Benefits's written reviews are positive against 27% of EBCentral's. Lively Benefits also leads on ratings volume (9.7K vs 168). EBCentral's advantage is monetization model (free vs ad-supported). On price, rating, 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

On the App Store both sit at effectively the same score — 4.8 for Lively Benefits against 4.7 for EBCentral. That said, the two scores are not equally well evidenced: Lively Benefits has 9.7K ratings behind it against 168, so its average is the more settled of the two. Written reviews are what separate them: 54% of Lively Benefits's written reviews are positive against 27% of EBCentral's.

UpkeepUpdate frequency

Lively Benefits ships an update every 3 weeks, EBCentral monthly. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Lively Benefits versus EBCentral: the parameters behind the verdict, then further details
ParameterLively BenefitsEBCentral
PriceFreeFree
Rating4.8 (9.7K ratings) — better4.7 (168 ratings)
Positive reviews54.4% of reviews — better26.7% of reviews
Number of ratings9.7K — better168
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better17.5
Further details — not scored
Size58 MB40 MB
Age rating12+4+
DeveloperLively, Inc.Employee Benefits Corporation

Customer experience

Lively Benefits

All ratings9,547 ratings
Positive96.6%
Neutral1.2%
Negative2.2%
Written reviews114 reviews
Positive54.4%
Neutral7.0%
Negative38.6%

EBCentral

All ratings168 ratings
Positive92.3%
Neutral1.8%
Negative6.0%
Written reviews75 reviews
Positive26.7%
Neutral8.0%
Negative65.3%

User reviews

Lively Benefits

From 9.7K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 User-friendly interface
  • 🚀 Seamless integration with Apple Wallet
  • 👍 Elegant and intuitive app design
  • 🚀 Convenient mobile access

Room to improve

  • 🐛 Login issues
  • 🐛 Crashes and glitches
  • 🔒 Security concerns
  • 🐛 Unreliable app performance
  • 🔒 Invasive data collection

EBCentral

From 168 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast submission
  • 👍 Clear instructions
  • 🚀 Efficient review
  • 👍 Clean and simple interface

Room to improve

  • 🐛 Login issues
  • 🐛 App crashes
  • 🐛 Blank screens
  • 🐛 Incorrect credentials error
  • 🐛 Face ID issues

Bugs and requests

Lively Benefits

Reported bugs

7 issues
  • Login failures
  • Contribution tracking issues
  • Debit card malfunctions
  • Inability to make contributions
  • Blank app screens
Show 2 more
  • Verification errors
  • Delayed message syncing

Requested features

7 requests
  • Two-factor authentication
  • Improved login process
  • Streamlined expense management
  • Faster fund transfer speeds
  • Enhanced investment options
Show 2 more
  • Easier 1099 tax form access
  • Expanded device compatibility

EBCentral

Reported bugs

50 issues
  • Does not show all accounts (e.g., investment accounts)
  • App closes when trying to view activity
  • Next button does not work during claim submission
  • App does not work on iPhone
  • Error message: username or password wrong
Show 45 more
  • Unable to log in, connection error
  • App closes after clicking what to view
  • Transaction activity exits out of the app
  • App stops working, blank screen
  • Screen doesn't go anywhere after entering information
  • Constant document requests for HSA
  • Cannot log in to activate account
  • Logs out every time, does not save login
  • App not functional, login credentials clear
  • Face ID setting defaults to password
  • Not taking credentials for sign in
  • Login is wrong on app, but fine on browser
  • Empty home screen, no transactions visible
  • Claim submission not working correctly
  • Biometric login disabled frequently
  • Photos don't always upload
  • App closes randomly during use
  • Verification codes not verifying
  • App tells you password on website no longer works
  • Password won't work, Face ID won't work
  • App won't show balance or transactions, blank home screen
  • Main screen shows no data after login
  • Profile page displays 'Loading' and never loads
  • App just spins and spins, can't see information
  • App says PW is wrong, but browser works
  • App won't load after issuing new cards
  • 2 factor authentication default button resends code
  • App requires password even after enabling Face ID
  • App can't handle 2 uploaded pictures, closes and freezes
  • App won't log in with correct username and password
  • App gets worse with each update
  • Mobile app gives incorrect username/password error
  • App takes a long time to load or doesn't load at all
  • Old app was better, new app requires login every time
  • App spins and spins to load, blank screen
  • App provides no info, not even balance
  • App no longer works after setting up HealthSafe ID
  • App is unresponsive when submitting a claim
  • App logs into a blank screen, error message for everything
  • App says user or PW incorrect, but browser works
  • All pages are blank after login
  • App keeps telling me account information is wrong
  • App doesn't load, won't let me log in
  • Default button on 2 factor page resends code
  • Face ID never works, requires password

Requested features

3 requests
  • Add option to replace cards
  • Implement dark mode
  • Improve Face ID/biometric login persistence

In-app purchases

None

Lively Benefits

No in-app purchases

None

EBCentral

No in-app purchases

Questions

Is Lively Benefits free?
Lively Benefits is free to download, with no in-app purchases.
Is EBCentral free?
EBCentral is free to download, with no in-app purchases.
Which has better reviews, Lively Benefits or EBCentral?
Lively Benefits is rated higher. Lively Benefits averages 4.8 out of 5 from 9.7K ratings, while EBCentral averages 4.7 from 168 ratings.
Do Lively Benefits or EBCentral have ads?
Neither Lively Benefits nor EBCentral shows ads.
Which is updated more often, Lively Benefits or EBCentral?
Lively Benefits ships an update every 3 weeks, and EBCentral monthly. Most recently, Lively Benefits was updated on November 1, 2026 and EBCentral on October 30, 2026.

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