# ISB vs Spruce

The clearest difference is ads: Spruce at none against ISB's shown. Spruce also leads on review sentiment (34% vs 0%) and update cadence (every 3 weeks vs every 4 months). On price, rating, in-app purchases and device support 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 — 4.7 for ISB against 4.5 for Spruce. That said, the two scores are not equally well evidenced: Spruce has 5.3K ratings behind it against 83, so its average is the more settled of the two. Written reviews are what separate them: 0% of ISB's written reviews are positive against 34% of Spruce's.

ISB ships an update every 4 months, Spruce every 3 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | ISB | Spruce |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (83 ratings)](https://appshunter.io/ios/app/isb-mobile/id1486821853/reviews)** | [4.5 (5.3K ratings)](https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028/reviews) |
| Number of ratings | 83 | **5.3K** |
| Positive reviews | 0.0% of reviews | **34.1% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 120 MB | 308 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Investment Savings Bank](https://appshunter.io/developer/1486821852) | [HRB Tax Group, Inc.](https://appshunter.io/developer/350051876) |

## What reviewers say

### ISB

[App page](https://appshunter.io/ios/app/isb-mobile/id1486821853)

Manage your bank accounts conveniently from your mobile device. Check balances, view transaction history, transfer funds, and pay bills on the go. This service is available 24/7 to enrolled customers.

**Highlights:** Balance Inquiry, Transaction History, Fund Transfers, Bill Payment, View Checks

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

**In-app purchases:** none


### Spruce

[App page](https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028)

Manage your daily finances and budget for future goals with this mobile banking app. It offers a spending account, a high-yield savings account, and tools to track spending and set savings goals. Build a better relationship with your money through easy-to-use financial management features.

**Highlights:** Spending account management, High-yield savings account, Financial goal setting, Automated deposits, Transaction categorization, Credit score monitoring

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Helpful savings tools
- 👍 Beautiful UI
- 🚀 Fast direct deposits

**What reviewers complain about**

- 🐛 Frequent app crashes
- ⏱️ Slow check deposits
- 🔒 Security concerns
- 🤖 Poor customer service
- 💰 Unexpected fees

**Reported bugs**

- Login issues
- Syncing problems
- Disappearing funds
- Deactivated cards

**Requested features**

- Ability to transfer funds to external accounts
- Improved account management features
- Faster check clearing times


## Frequently asked questions

### Is ISB free?

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

### Is Spruce free?

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

### Which has better reviews, ISB or Spruce?

ISB is rated higher. ISB averages 4.7 out of 5 from 83 ratings, while Spruce averages 4.5 from 5.3K ratings.

### Do ISB or Spruce have ads?

ISB shows ads; Spruce does not.

### Which is updated more often, ISB or Spruce?

ISB ships an update every 4 months, and Spruce every 3 weeks. Most recently, ISB was updated on October 24, 2026 and Spruce on October 25, 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.*