# Lively Benefits vs EBCentral

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.

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

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.

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

## The numbers

| Metric | Lively Benefits | EBCentral |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (9.7K ratings)](https://appshunter.io/ios/app/lively-benefits/id1458289932/reviews)** | [4.7 (168 ratings)](https://appshunter.io/ios/app/ebcentral/id1568713296/reviews) |
| Number of ratings | **9.7K** | 168 |
| Positive reviews | **54.4% of reviews** | 26.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Ad-supported | **Free** |
| Size | 58 MB | 40 MB |
| Requires iOS | **16.0** | 17.5 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 12+ | 4+ |
| Developer | [Lively, Inc.](https://appshunter.io/developer/1458289931) | [Employee Benefits Corporation](https://appshunter.io/developer/513934189) |

## What reviewers say

### Lively Benefits

[App page](https://appshunter.io/ios/app/lively-benefits/id1458289932)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Login failures
- Contribution tracking issues
- Debit card malfunctions
- Inability to make contributions
- Blank app screens

**Requested features**

- Two-factor authentication
- Improved login process
- Streamlined expense management
- Faster fund transfer speeds
- Enhanced investment options


### EBCentral

[App page](https://appshunter.io/ios/app/ebcentral/id1568713296)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- Add option to replace cards
- Implement dark mode
- Improve Face ID/biometric login persistence


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