# UMB Mobile vs Prosperity Mobile Banking

The clearest difference is rating: Prosperity Mobile Banking at 4.8 against UMB Mobile's 4.2. Prosperity Mobile Banking also leads on ads (none vs shown) and ratings volume (85K vs 3.1K). On price, update cadence, 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.

Prosperity Mobile Banking holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: Prosperity Mobile Banking has 85K ratings behind it against 3.1K, so its average is the more settled of the two. Written reviews point the same way: 51% of UMB Mobile's written reviews are positive against 66% of Prosperity Mobile Banking's.

UMB Mobile ships an update every 6 months, Prosperity Mobile Banking every 7 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | UMB Mobile | Prosperity Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (3.1K ratings)](https://appshunter.io/ios/app/umb-mobile/id446955885/reviews) | **[4.8 (85K ratings)](https://appshunter.io/ios/app/prosperity-mobile-banking/id491100797/reviews)** |
| Number of ratings | 3.1K | **85K** |
| Positive reviews | 51.5% of reviews | **65.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 6 months** | Every 7 months |
| Monetization | Free | Free |
| Size | 54 MB | 82 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) | [Prosperity Bank](https://appshunter.io/developer/491100800) |

## 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


### Prosperity Mobile Banking

[App page](https://appshunter.io/ios/app/prosperity-mobile-banking/id491100797)

Manage your finances conveniently from your mobile device. Check balances, transfer funds between accounts, and pay bills. Deposit checks using your phone's camera and locate nearby branches or ATMs.

**Highlights:** Check account balances, Make transfers between accounts, Pay bills, Deposit checks via phone camera, Find nearby branches and ATMs, Add cards to digital wallet

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Simple and efficient app
- 🔒 Secure banking experience
- 💕 Excellent customer service

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- ⏱️ Slow and unresponsive performance
- 🔍 Limited transaction history visibility
- 🤔 Confusing navigation and layout changes

**Reported bugs**

- Login issues and account access problems
- Inconsistent transaction display and balance updates
- Inability to categorize or tag transactions
- Unreliable mobile deposit processing

**Requested features**

- Add option to view detailed transaction history
- Implement fingerprint/face ID login support
- Improve mobile deposit functionality
- Provide more customization options for the app


## Frequently asked questions

### Is UMB Mobile free?

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

### Is Prosperity Mobile Banking free?

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

### Which has better reviews, UMB Mobile or Prosperity Mobile Banking?

Prosperity Mobile Banking is rated higher. UMB Mobile averages 4.2 out of 5 from 3.1K ratings, while Prosperity Mobile Banking averages 4.8 from 85K ratings.

### Do UMB Mobile or Prosperity Mobile Banking have ads?

UMB Mobile shows ads; Prosperity Mobile Banking does not.

### Which is updated more often, UMB Mobile or Prosperity Mobile Banking?

UMB Mobile ships an update every 6 months, and Prosperity Mobile Banking every 7 months. Most recently, UMB Mobile was updated on October 23, 2026 and Prosperity Mobile Banking on October 24, 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.*