Comparison

Kemba Mobile vs Spendr App

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

Head to head

Kemba Mobile

Free

💰 Finance

★ 2.846 ratingsView app →

Spendr App

Mobile Payments & Rewards

Free

💰 Finance

★ 4.91K ratingsView app →

About

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.

Highlights

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

Features

Read 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

About

Spendr App

This app simplifies payments and rewards by allowing users to make contactless payments and earn rewards on purchases. It also features a store locator and a digital document holder for convenience.

Highlights

Contactless mobile payments
Earn rewards on purchases
QR code payment scanning
Store locator with hours
Digital document storage

Features

Read full description

Spendr App combines payments & rewards in a simple and rewarding way. Use the app to make contactless payments and earn rewards on every purchase. MOBILE PAYMENT Load funds into a mobile wallet at participating merchants by simply scanning a QR code. The fastest and most rewarding way to pay. REWARDS Earn rewards for buying what you love. Have fun while spending and get rewarded on every purchase. Cash back and other incentives coming soon. STORE LOCATOR Discover nearby locations that accept Spendr. Find store hours, contact numbers, and more information on your favorite stores. DOCUMENT BOOK Store your purchasing documents like medical card and driver’s license in the app to make your experience easier and more convenient.

Screenshots

Kemba Mobile4 screens

Spendr App4 screens

Verdict

The call

The clearest difference is rating: Spendr App at 4.9 against Kemba Mobile's 2.8. Spendr App also leads on ratings volume (1K vs 46) and review sentiment (64% vs 56%). 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

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

Spendr App holds the better App Store score, 4.9 against 2.8. That said, the two scores are not equally well evidenced: Spendr App has 1K ratings behind it against 46, so its average is the more settled of the two. Written reviews point the same way: 56% of Kemba Mobile's written reviews are positive against 64% of Spendr App's.

UpkeepUpdate frequency

Kemba Mobile ships an update every 5 weeks, Spendr App every 2 months. The most recent releases landed on October 23, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level

Kemba Mobile versus Spendr App: the parameters behind the verdict, then further details
Parameter	Kemba Mobile	Spendr App
Price	Free	Free
Rating	2.8 (46 ratings)	4.9 (1K ratings) — better
Positive reviews	56.0% of reviews	64.1% of reviews — better
Number of ratings	46	1K — better
Update frequency	Every 5 weeks — better	Every 2 months
Ads	No	No
In-app purchases	No	No
Monetization	Free	Free
Devices	iPhone, iPad	iPhone, iPad, iPod — better
Requires iOS	16.0	16
Further details — not scored
Size	128 MB	85 MB
Age rating	4+	17+
Developer	Kemba Credit Union	Spendr

Customer experience

Kemba Mobile

All ratings45 ratings

Positive44.4%

Neutral2.2%

Negative53.3%

Written reviews75 reviews

Positive56.0%

Neutral8.0%

Negative36.0%

Spendr App

All ratings1,004 ratings

Positive97.5%

Neutral0.8%

Negative1.7%

Written reviews39 reviews

Positive64.1%

Neutral7.7%

Negative28.2%

User reviews

Kemba Mobile

From 46 App Store ratings

What 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

Spendr App

From 1K App Store ratings

What we love

🚀 Fast and convenient payment process
💰 No fees for users
🎁 Rewards program and cash back opportunities
👍 Easy-to-use interface
🏆 Excellent customer service (Hunter and Ryan mentioned)

Room to improve

🐛 Bank account linking issues and frequent re-linking required
⏱️ Slow fund deposit processing (delays up to a week)
🚫 Cannot withdraw remaining balance to bank account
❌ App crashes and launch screen freezes
⚠️ Lack of customer support responsiveness

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 more

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 more

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

Spendr App

Reported bugs

9 issues

Bank account linking fails despite successful email confirmations
App crashes on launch screen
App won't open or becomes unresponsive
Error messages when adding funds despite sufficient balance
QR camera not functioning

Show 4 more

State/province selection bug preventing account creation
Delayed deposit processing (week-long delays)
Automatic account unlinking without notification
Promotional credits disappearing from account

Requested features

6 requests

Ability to withdraw unused funds back to bank account
Adjustable deposit amounts for exact spending
More frequent rewards and bonus incentives
Expansion to more dispensary locations
Better transaction notifications

Show 1 more

More transparent fee structure communication

In-app purchases

None

Kemba Mobile

No in-app purchases

None

Spendr App

No in-app purchases

Questions

Is Kemba Mobile free?

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

Is Spendr App free?

Spendr App is free to download, with no in-app purchases.

Which has better reviews, Kemba Mobile or Spendr App?

Spendr App is rated higher. Kemba Mobile averages 2.8 out of 5 from 46 ratings, while Spendr App averages 4.9 from 1K ratings.

Do Kemba Mobile or Spendr App have ads?

Neither Kemba Mobile nor Spendr App shows ads.

Which is updated more often, Kemba Mobile or Spendr App?

Kemba Mobile ships an update every 5 weeks, and Spendr App every 2 months. Most recently, Kemba Mobile was updated on October 23, 2026 and Spendr App on October 30, 2026.