Kemba Mobile vs My SPS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kemba Mobile
Manage your finances on the go with secure 24/7 access to your accounts. Perform transactions, deposit checks, pay bills, and control your cards directly from your mobile device.
- 24/7 secure account access
- Check balances
- View transaction history
- Deposit checks
- Transfer funds
- Pay bills
- Card controls
Read full descriptionHide full description
Kemba Mobile gives you 24/7 secure access to your accounts from your mobile device. The Kemba Mobile app is free to all members of Kemba Cincinnati (data charges may apply). Using Kemba Mobile, you can: • Check Balances • View and Search Transaction History • Deposit Checks • Transfer Funds • Pay Bills • Turn Cards On and Off • Enroll in eStatements
My SPS
Manage your mortgage account securely and conveniently 24/7. Make payments, set up auto-drafts, view statements, and review escrow details on the go. Access account information and upload documents easily.
- Manage mortgage account 24/7
- Make mortgage payments
- Set up/modify auto-draft payments
- View statements and letters
- Review escrow information
- Upload documents
- Secure login with Touch/Face ID
Read full descriptionHide full description
My SPS mobile app is a fast, secure way to manage your mortgage account 24/7. Make payments, set up and make changes to monthly auto draft, view statements, and review escrow information. *If you have already created a user name and password on spservicing.com, just skip the registration process and login with your online username and password. Features: • Manage your account and make your mortgage payment 24/7 on the go • Access the Information HUB for answers to your most common account questions • Set up or modify existing auto draft payments • Quickly access your account with touch ID or face ID for eligible devices • Review balances and activity • Upload documents for your account • View monthly statements and letters
Screenshots
Verdict
The clearest difference is review sentiment: Kemba Mobile at 55% against My SPS's 6%. Kemba Mobile also leads on rating (2.8 vs 2.0) and update cadence (every 5 weeks vs every 3 months). My SPS's advantage is ratings volume (329 vs 47). On price, ads, in-app purchases and monetization model 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.
Kemba Mobile holds the better App Store score, 2.8 against 2.0. That said, the two scores are not equally well evidenced: My SPS has 329 ratings behind it against 47, so its average is the more settled of the two. Written reviews point the same way: 55% of Kemba Mobile's written reviews are positive against 6% of My SPS's.
Kemba Mobile ships an update every 5 weeks, My SPS every 3 months. The most recent releases landed on November 7, 2026 and November 2, 2026 respectively.
| Parameter | Kemba Mobile | My SPS |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (47 ratings) — better | 2.0 (329 ratings) |
| Positive reviews | 55.3% of reviews — better | 6.5% of reviews |
| Number of ratings | 47 | 329 — better |
| Update frequency | Every 5 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 128 MB | 31 MB |
| Age rating | 4+ | 4+ |
| Developer | Kemba Credit Union | Select Portfolio Servicing, Inc. |
Customer experience
Kemba Mobile
My SPS
User reviews
Kemba Mobile
From 47 App Store ratingsWhat we love
- 👍 User-friendly and easy to navigate
- 👍 Convenient for viewing account information
- 👍 Great customer service
- 👍 Makes balancing checking account easy
- 👍 Appreciated for protecting funds and identity
Room to improve
- 🐛 App is buggy and unstable
- 🐛 Frequent logouts and poor performance
- 🐛 Mobile deposit errors
- 🐛 Difficulty logging in after updates
- 🐛 Annoying security verification steps
My SPS
From 329 App Store ratingsWhat we love
- 👍 Convenient for making payments
- 🚀 Works just fine
- 💡 Easy payments
Room to improve
- 🐛 Unable to accept terms and conditions
- 🐛 Login issues
- 🐛 App not working
- 🐛 Unable to download documents
- 🐛 Screenshot disabled
Bugs and requests
Kemba Mobile
Reported bugs
25 issues- Constantly deleting and reinstalling app
- Randomly logged out
- No smooth transition between menus
- Mobile deposit error 'something went wrong'
- Face ID/Touch ID not saving or working
Show 20 moreShow fewer
- Profile picture not uploading
- System doesn't recognize user after update
- Cannot unlock card
- App is non-functional, jumps up and down
- Fatal error when paying credit card bill
- Cannot link another bank to pay auto loan
- Biometrics not working properly
- Touch ID does not work
- Cannot save biometrics on iPad
- Card won't unfreeze at random times
- App is slow
- Direct deposit takes too long to appear
- Hard to pay bills, often not working
- Cannot pay bills over $1,000
- App moves slow
- Fingerprint enabling and quick lookup don't work
- App is on functional, jumps up and down
- Ads before seeing balance
- App is completely non-functional
- Mobile deposit requires perfect lighting
Requested features
10 requests- More physical bank locations
- Ability to make payments from iPhone app
- Add own pending transactions
- Pattern or number code for faster sign-in
- More ATMs
Show 5 moreShow fewer
- Widget for quick access
- Move Face ID button
- Ability to set up payment from another bank
- Option to pay auto loan via phone app
- Fix backspace issue where entire field is deleted
My SPS
Reported bugs
6 issues- Unable to accept terms and conditions
- Login issues
- App not working
- Unable to download documents
- Screenshot disabled
Show 1 moreShow fewer
- Freezes after update
Requested features
3 requests- Dark mode option
- Improved document handling
- Better account management features
In-app purchases
Kemba Mobile
No in-app purchases
My SPS
No in-app purchases
Questions
Is Kemba Mobile free?
Is My SPS free?
Which has better reviews, Kemba Mobile or My SPS?
Do Kemba Mobile or My SPS have ads?
Which is updated more often, Kemba Mobile or My SPS?
Other comparisons
