Surency COBRA vs Meritrust Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Surency COBRA
Manage your insurance plans and payments on the go. View plan details, make one-time or scheduled payments, and manage your elections securely. Stay informed with notifications and direct communication from your administrator.
- View plan information and payments
- Receive administrator notifications
- Make one-time payments
- Schedule future and recurring payments
- Manage plan elections
- Secure mobile payment technology
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Stay up to date and worry free with the Surency COBRA & Direct Billing App! Manage your plans 24/7 through the intuitive design and navigation while on the go. Powerful features of this app include (if supported by your account): Plan Information • Get visibility on payments made to your plan • View notifications and receive messages from your administrator to stay up to date on your record • Click to call or email Customer Service Making Payments • Make one time payments when most convenient for you • Schedule future and recurring payments to put you at ease • Use your bank account or credit card Elections • Pick and Choose the plan(s) that best suites you • Avoid the hassle of paper by utilizing the latest in secure mobile payment technology • View what you elected to better understand your coverage level, and make changes if needed Powered by WEX Health®
Meritrust Mobile
Manage your finances on the go with this mobile banking app. Easily view account details, make payments, transfer funds, and deposit checks securely. Locate branches and ATMs for convenient access to your money anytime, anywhere.
- View account balances and transaction history
- Pay bills
- Transfer funds between accounts
- Deposit checks
- Locate branches or ATMs
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Meritrust is dedicated to improving your life and business through our mobile banking experience. Stay connected to your money anytime, anywhere with Meritrust Mobile – Personal and Business Banking. Experience the convenience and security that comes with an app that puts the financial needs of your life and business first. We’re making it easier for you to make payments, monitor your accounts, deposit checks and more. PERSONAL FEATURES: · View your account balances and transaction history · Use Bill Pay and Pay a Person features · Transfer funds between your accounts · Deposit checks · Locate a Meritrust branch or ATM BUSINESS FEATURES: · View your business account balances and transaction history · Utilize accounting software integrations and accounting integrations · Access transaction history, statements and documents · Make scheduled transfers and recurring payments · Use Bill Pay and Pay a Person features · Add and edit users and permissions To enroll in mobile banking, you must be a member of Meritrust Credit Union. Data rates may apply from your wireless carrier. Federally insured by NCUA. To learn how to protect your privacy, please visit: https://www.meritrust.org/site/privacy-policy/online-user-privacy-policy
Screenshots
Verdict
The clearest difference is rating: Surency COBRA at 5.0 against Meritrust Mobile's 4.6. Meritrust Mobile's advantage is ratings volume (7.9K vs 1) and device support (3 vs 1). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Surency COBRA holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Meritrust Mobile has 7.9K ratings behind it against 1, so its average is the more settled of the two.
Surency COBRA ships an update every 3 months, Meritrust Mobile every 2 months. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.
| Parameter | Surency COBRA | Meritrust Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.6 (7.9K ratings) |
| Positive reviews | — | 16.5% of reviews |
| Number of ratings | 1 | 7.9K — better |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 6 MB | 19 MB |
| Age rating | 17+ | 4+ |
| Developer | Surency Life and Health Insurance Company | Meritrust Credit Union |
Customer experience
Surency COBRA
Meritrust Mobile
Bugs and requests
Surency COBRA
Not enough reviews yet to summarise bugs or requests.
Meritrust Mobile
Reported bugs
3 issues- Scheduled payments not processing correctly
- Incorrect account balance information
- Login issues and inability to access accounts
Requested features
3 requests- Bring back quick balance widget
- Improve transaction search and filtering
- Add support for landscape mode on tablets
In-app purchases
Surency COBRA
No in-app purchases
Meritrust Mobile
No in-app purchases
Questions
Is Surency COBRA free?
Is Meritrust Mobile free?
Which has better reviews, Surency COBRA or Meritrust Mobile?
Do Surency COBRA or Meritrust Mobile have ads?
Which is updated more often, Surency COBRA or Meritrust Mobile?
Other comparisons
