# UMB Mobile vs Capra Bank

The clearest difference is review sentiment: Capra Bank at 100% against UMB Mobile's 53%. Capra Bank also leads on rating (4.8 vs 4.2) and ads (none vs shown). UMB Mobile's advantage is ratings volume (3.1K vs 140) and monetization model (free vs ad-supported). On price, update cadence, in-app purchases and device support there is nothing between them.

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

Capra Bank holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: UMB Mobile has 3.1K ratings behind it against 140, so its average is the more settled of the two. Written reviews point the same way: 53% of UMB Mobile's written reviews are positive against 100% of Capra Bank's.

UMB Mobile ships an update every 6 months, Capra Bank every 3 months. The most recent releases landed on November 1, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | UMB Mobile | Capra Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (3.1K ratings)](https://appshunter.io/ios/app/umb-mobile/id446955885/reviews) | **[4.8 (140 ratings)](https://appshunter.io/ios/app/capra-bank/id1481214833/reviews)** |
| Number of ratings | **3.1K** | 140 |
| Positive reviews | 52.6% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 months | **Every 3 months** |
| Monetization | **Free** | Ad-supported |
| Size | 54 MB | 107 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UMB Financial Corporation](https://appshunter.io/developer/446955888) | [Capra Bank](https://appshunter.io/developer/1481214832) |

## What reviewers say

### UMB Mobile

[App page](https://appshunter.io/ios/app/umb-mobile/id446955885)

Manage your UMB bank accounts on the go. Check balances, transfer funds, pay bills, deposit checks, and find ATMs. Securely access your financial information and manage alerts from your mobile device.

**Highlights:** Check account balances and activity, Transfer funds between accounts, Pay bills and manage payees, Deposit checks via camera, Set up and manage alerts, Find ATMs and bank locations, Secure login with biometrics

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient mobile banking
- 🔒 Secure login options
- 👍 User-friendly interface
- 👍 Helpful customer service

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Buggy mobile deposit feature
- 🐛 Crashes and freezes
- 🐛 Inaccurate account information
- 🐛 Outdated and clunky design

**Reported bugs**

- Login screen repeatedly shows incorrect password error
- Mobile deposit feature often fails to work
- App crashes when trying to access certain account details
- Balances and transaction history not updating correctly

**Requested features**

- Dark mode option
- Improved mobile deposit process
- Better transaction history and reporting
- Integration with other financial apps
- Ability to manage HSA accounts


### Capra Bank

[App page](https://appshunter.io/ios/app/capra-bank/id1481214833)

Manage your finances on the go with this mobile banking app. Review accounts, open new ones, transfer funds, pay bills, and deposit checks securely. Powered by advanced fintech for a seamless and reliable banking experience.

**Highlights:** Review account balances, Open new accounts, Transfer funds, Complete bill payments, Deposit checks, Secure banking experience

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

**In-app purchases:** none


## Frequently asked questions

### Is UMB Mobile free?

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

### Is Capra Bank free?

Capra Bank is free to download, with no in-app purchases.

### Which has better reviews, UMB Mobile or Capra Bank?

Capra Bank is rated higher. UMB Mobile averages 4.2 out of 5 from 3.1K ratings, while Capra Bank averages 4.8 from 140 ratings.

### Do UMB Mobile or Capra Bank have ads?

UMB Mobile shows ads; Capra Bank does not.

### Which is updated more often, UMB Mobile or Capra Bank?

UMB Mobile ships an update every 6 months, and Capra Bank every 3 months. Most recently, UMB Mobile was updated on November 1, 2026 and Capra Bank on October 26, 2026.

---

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