# Kemba Mobile vs My SPS

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.

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.

## The numbers

| Metric | Kemba Mobile | My SPS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.8 (47 ratings)](https://appshunter.io/ios/app/kemba-mobile/id424727840/reviews)** | [2.0 (329 ratings)](https://appshunter.io/ios/app/my-sps/id1457561993/reviews) |
| Number of ratings | 47 | **329** |
| Positive reviews | **55.3% of reviews** | 6.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 128 MB | 31 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Kemba Credit Union](https://appshunter.io/developer/424727843) | [Select Portfolio Servicing, Inc.](https://appshunter.io/developer/1457561992) |

## What reviewers say

### Kemba Mobile

[App page](https://appshunter.io/ios/app/kemba-mobile/id424727840)

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.

**Highlights:** 24/7 secure account access, Check balances, View transaction history, Deposit checks, Transfer funds, Pay bills, Card controls

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 App is buggy and unstable
- 🐛 Frequent logouts and poor performance
- 🐛 Mobile deposit errors
- 🐛 Difficulty logging in after updates
- 🐛 Annoying security verification steps

**Reported bugs**

- 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

**Requested features**

- 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


### My SPS

[App page](https://appshunter.io/ios/app/my-sps/id1457561993)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient for making payments
- 🚀 Works just fine
- 💡 Easy payments

**What reviewers complain about**

- 🐛 Unable to accept terms and conditions
- 🐛 Login issues
- 🐛 App not working
- 🐛 Unable to download documents
- 🐛 Screenshot disabled

**Reported bugs**

- Unable to accept terms and conditions
- Login issues
- App not working
- Unable to download documents
- Screenshot disabled

**Requested features**

- Dark mode option
- Improved document handling
- Better account management features


## Frequently asked questions

### Is Kemba Mobile free?

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

### Is My SPS free?

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

### Which has better reviews, Kemba Mobile or My SPS?

Kemba Mobile is rated higher. Kemba Mobile averages 2.8 out of 5 from 47 ratings, while My SPS averages 2.0 from 329 ratings.

### Do Kemba Mobile or My SPS have ads?

Neither Kemba Mobile nor My SPS shows ads.

### Which is updated more often, Kemba Mobile or My SPS?

Kemba Mobile ships an update every 5 weeks, and My SPS every 3 months. Most recently, Kemba Mobile was updated on November 7, 2026 and My SPS on November 2, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*