Comparison

Discover Mobile vs PenFed Mobile

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

Head to head
About

Discover Mobile

Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

Highlights
  • Account balance and transaction viewing
  • Payment management and scheduling
  • Rewards redemption
  • FICO Credit Score access
  • Account freezing
  • Mobile check deposit
  • Secure messaging
Features
Currently charting
Read full description

You can manage your Discover credit card and bank accounts conveniently and securely from anywhere, using Discover’s Mobile App. Check your account balance, view your account info, make and edit payments, add your card into Apple Pay, manage your rewards, and more - all from your mobile device. FAST ACCOUNT ACCESS • Log in quickly with a 4-digit Passcode • Log in faster with Discover Touch ID, available for users with Discover passcode enabled on an eligible device – not supported on modified or jailbroken devices MANAGE YOUR DISCOVER CREDIT CARD ACCOUNT • Check your balance and available credit, and view or download monthly statements • View and search transaction activity • Make payments and edit or cancel pending payments • Redeem rewards, in any amount, as a statement credit towards your monthly bill, including your minimum payment due • Redeem rewards, in any amount, as an electronic deposit to your bank account • Redeem rewards for gift cards starting at only $5. Plus, get an added bonus on every card • Link your Discover card to your Amazon and PayPal accounts to make it easier to earn and pay with rewards for eligible purchases at checkout • View your FICO® Credit Score* for free and learn what it means to lenders *See FICO® Credit Score terms at Discover.com/FICO • Freeze or unfreeze your account to prevent new purchases, cash advances, and balance transfers • Add your card into Apple Pay to use for purchases in-store on eligible devices with iOS 9 • Send and receive messages from Discover Customer Service • View and edit your account profile • Activate a new card or report a current card as lost, stolen or misplaced • Use the Travel Notification feature to help ensure uninterrupted use of your card while traveling • Sign up to receive alerts about your account MANAGE YOUR DISCOVER BANK DEPOSIT ACCOUNT AND PERSONAL LOAN ACCOUNT • View account balances, summary and transaction history • Track account activity and schedule transactions • Transfer money • Pay bills • Deposit checks • Find ATMs - Nationwide ATMs available to use your Discover debit card • View statements • View and send secure messages • Make Personal Loan payments Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

Mobile Privacy Statement: https://www.discover.com/privacy-statement 

 Mobile Terms of Use:  https://www.discover.com/credit-cards/help-center/discover-terms-of-use.html

About

PenFed Mobile

Manage your finances on the go with this secure mobile banking application. Easily make deposits, pay bills, transfer funds, and view account statements. Enjoy a streamlined and personalized banking experience with real-time notifications.

Highlights
  • Mobile deposits and payments
  • Bill payment services
  • Account and statement management
  • Money transfers
  • Personalized notifications
Features
Read full description

PenFed’s mobile app makes daily banking simple, seamless and secure. Access accounts, move money and more. The PenFed mobile app is more than just a banking tool; it's a gateway to financial empowerment. The intuitive structure, sleek new design and faster interface create a delightful mobile banking experience that makes it easy to: - Make deposits and payments - Pay your bills - Manage your accounts and statements - Transfer money your way We use analytics to tailor your experience better than ever. You can also stay connected with real-time, personalized notifications that keep you informed and engaged.

Screenshots

Discover Mobile4 screens
PenFed Mobile4 screens

Verdict

The call

Discover Mobile and PenFed Mobile both sit at 4.9 stars, but that hides the real split: 63% of Discover Mobile's written reviews are positive against 36% of PenFed Mobile's. Discover Mobile also leads on ratings volume (5.2M vs 63K) and chart position (#122 vs unranked). 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 — 4.9 for Discover Mobile against 4.8 for PenFed Mobile. That said, the two scores are not equally well evidenced: Discover Mobile has 5.2M ratings behind it against 63K, so its average is the more settled of the two. Written reviews are what separate them: 63% of Discover Mobile's written reviews are positive against 36% of PenFed Mobile's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on October 28, 2026.

Scorecard3 real differences · 8 level
Discover Mobile versus PenFed Mobile: the parameters behind the verdict, then further details
ParameterDiscover MobilePenFed Mobile
PriceFreeFree
Rating4.9 (5.2M ratings) — better4.8 (63K ratings)
Positive reviews63.4% of reviews — better35.7% of reviews
Number of ratings5.2M — better63K
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#122 — better—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.115.6 — better
Further details — not scored
Size190 MB151 MB
Age rating4+4+
DeveloperDiscover Financial ServicesPentagon Federal Credit Union

Customer experience

Discover Mobile

All ratings5,243,129 ratings
Positive97.4%
Neutral1.4%
Negative1.3%
Written reviews4,274 reviews
Positive63.4%
Neutral5.7%
Negative30.9%

PenFed Mobile

All ratings62,281 ratings
Positive95.3%
Neutral1.4%
Negative3.3%
Written reviews732 reviews
Positive35.7%
Neutral9.3%
Negative55.1%

User reviews

Discover Mobile

From 5.2M App Store ratings

What we love

  • 👍 Excellent customer service
  • 🚀 Smooth and easy-to-use app
  • 💳 Great credit card with rewards
  • 🔒 Secure and reliable
  • 💳 Helpful for building credit

Room to improve

  • 🐛 App crashes and bugs
  • 🤖 Poor customer service and unresponsive to issues
  • 💳 Difficult to get credit limit increases
  • 💳 Unfair credit reporting practices
  • 💳 Holding funds hostage and difficult to access money

PenFed Mobile

From 63K App Store ratings

What we love

  • 🚀 Quick and easy banking
  • 💫 Excellent credit union
  • 🔒 Secure banking
  • 👍 User-friendly app design

Room to improve

  • 🐛 Frequent app crashes and freezes
  • 🕰️ Slow transaction processing
  • 🔑 Inconvenient login process
  • ⚠️ Unreliable app functionality
  • 🤔 Missing key features

Bugs and requests

Discover Mobile

Reported bugs

3 issues
  • App crashes on launch for some users
  • Inconsistent behavior when scheduling payments
  • Incorrect credit score reporting and account information

Requested features

4 requests
  • Allow more than 3 weeks of transaction history in the app
  • Improve login process and Face ID/Touch ID functionality
  • Provide more transparency and control over account settings
  • Enhance international usage and support

PenFed Mobile

Reported bugs

4 issues
  • Inability to view transactions
  • Mobile deposit issues
  • Login and authentication problems
  • Inconsistent app performance

Requested features

5 requests
  • Dark mode option
  • Transaction history details
  • Debit/credit card management
  • Improved mobile check deposit
  • In-app bill pay and transfers

In-app purchases

None

Discover Mobile

No in-app purchases

None

PenFed Mobile

No in-app purchases

Questions

Is Discover Mobile free?
Discover Mobile is free to download, with no in-app purchases.
Is PenFed Mobile free?
PenFed Mobile is free to download, with no in-app purchases.
Which has better reviews, Discover Mobile or PenFed Mobile?
Discover Mobile is rated higher. Discover Mobile averages 4.9 out of 5 from 5.2M ratings, while PenFed Mobile averages 4.8 from 63K ratings.
Do Discover Mobile or PenFed Mobile have ads?
Neither Discover Mobile nor PenFed Mobile shows ads.
Which is updated more often, Discover Mobile or PenFed Mobile?
Discover Mobile ships an update fortnightly, and PenFed Mobile fortnightly. Most recently, Discover Mobile was updated on October 28, 2026 and PenFed Mobile on October 28, 2026.

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