# Kemba Mobile vs Spendr App

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | Kemba Mobile | Spendr App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (46 ratings)](https://appshunter.io/ios/app/kemba-mobile/id424727840/reviews) | **[4.9 (1K ratings)](https://appshunter.io/ios/app/spendr-app/id1585769858/reviews)** |
| Number of ratings | 46 | **1K** |
| Positive reviews | 56.0% of reviews | **64.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 128 MB | 85 MB |
| Requires iOS | 16.0 | 16 |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Kemba Credit Union](https://appshunter.io/developer/424727843) | [Spendr](https://appshunter.io/developer/1585769860) |

## 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


### Spendr App

[App page](https://appshunter.io/ios/app/spendr-app/id1585769858)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 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)

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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.

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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.*