# Live Oak Bank vs FutureNest

The clearest difference is review sentiment: FutureNest at 100% against Live Oak Bank's 17%. FutureNest also leads on rating (5.0 vs 2.3) and update cadence (every 5 days vs every 2 months). Live Oak Bank's advantage is monetization model (free vs paid) and ratings volume (140 vs 7). On price, ads, 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.

FutureNest holds the better App Store score, 5.0 against 2.3. That said, the two scores are not equally well evidenced: Live Oak Bank has 140 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 17% of Live Oak Bank's written reviews are positive against 100% of FutureNest's.

Live Oak Bank ships an update every 2 months, FutureNest every 5 days. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Live Oak Bank | FutureNest |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (140 ratings)](https://appshunter.io/ios/app/live-oak-bank/id1521341307/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/futurenest/id6760983239/reviews)** |
| Number of ratings | **140** | 7 |
| Positive reviews | 16.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 days** |
| Monetization | **Free** | Paid |
| Size | 69 MB | 6 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Live Oak Bank](https://appshunter.io/developer/796973434) | [Christopher Donoso](https://appshunter.io/developer/1885026399) |

## What reviewers say

### Live Oak Bank

[App page](https://appshunter.io/ios/app/live-oak-bank/id1521341307)

Manage your finances with this FDIC-insured online bank. Access your accounts, deposit checks, move money, and view statements securely. Enjoy competitive rates and excellent customer service through a fast and accessible mobile app.

**Highlights:** Manage profile and account names, Check balances and transaction history, Move money between accounts, Deposit multiple checks, Manage savings and CD disbursements, View and download statements

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Great customer service (Hannah mentioned)
- 👍 High interest rates
- 👍 Clean and simple interface
- 👍 Funds earn interest same day (sometimes)
- 👍 Easy to view accounts

**What reviewers complain about**

- 🐛 Mobile deposit frequently broken
- 🐛 App crashes often
- 🐛 Login issues (password, Face ID, Touch ID)
- 🐛 App agreement issues
- 🐛 Horrible communication/denial reasons

**Reported bugs**

- Mobile deposit feature consistently fails
- App freezes during check deposit photos
- Login issues (username/password incorrect, Face ID/Touch ID not working, account locked)
- App agreement submission button becomes unresponsive
- App hangs after front photo during check deposit

**Requested features**

- Dark mode integration
- Add total balance for all accounts
- Improve Face ID/Touch ID reliability
- Fix QuickBooks integration
- Add landscape mode and iPad view


### FutureNest

[App page](https://appshunter.io/ios/app/futurenest/id6760983239)

This app provides a personalized retirement roadmap, projecting your future balance based on your savings and goals. It allows you to compare scenarios, find your earliest retirement age, and learn key financial concepts without jargon or subscriptions.

**Highlights:** Personalized retirement roadmap, Real-time balance projections, Compare multiple retirement scenarios, Project earliest retirement age, Learn retirement concepts, Secure iCloud syncing

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Live Oak Bank free?

Live Oak Bank is free to download, with no in-app purchases.

### Is FutureNest free?

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

### Which has better reviews, Live Oak Bank or FutureNest?

FutureNest is rated higher. Live Oak Bank averages 2.3 out of 5 from 140 ratings, while FutureNest averages 5.0 from 7 ratings.

### Do Live Oak Bank or FutureNest have ads?

Neither Live Oak Bank nor FutureNest shows ads.

### Which is updated more often, Live Oak Bank or FutureNest?

Live Oak Bank ships an update every 2 months, and FutureNest every 5 days. Most recently, Live Oak Bank was updated on November 7, 2026 and FutureNest 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.*