# Discover Mobile vs PenFed Mobile

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 (#109 vs unranked). 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 — 4.9 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.

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on November 5, 2026.

## The numbers

| Metric | Discover Mobile | PenFed Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (5.2M ratings)](https://appshunter.io/ios/app/discover-mobile/id338010821/reviews)** | [4.8 (63K ratings)](https://appshunter.io/ios/app/penfed-mobile/id460008350/reviews) |
| Number of ratings | **5.2M** | 63K |
| Positive reviews | **63.4% of reviews** | 35.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free | Free |
| Best chart rank | **#109** | — |
| Size | 190 MB | 151 MB |
| Requires iOS | 16.1 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Discover Financial Services](https://appshunter.io/developer/338010824) | [Pentagon Federal Credit Union](https://appshunter.io/developer/407249051) |

## What reviewers say

### Discover Mobile

[App page](https://appshunter.io/ios/app/discover-mobile/id338010821)

**Currently charting:** #109 Top Free · Finance (US App Store)

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:** Apple Wallet, iMessage stickers

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/penfed-mobile/id460008350)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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 November 5, 2026 and PenFed Mobile on November 5, 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.*