Comparison

Meritrust Business vs NetSpend Small Business

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

Head to head
About

Meritrust Business

Manage your business finances on the go with this mobile banking solution. Access account details, transfer funds, deposit checks, and handle payments directly from your smartphone.

Highlights
  • Self-Service User Access
  • ACH Approvals & Positive Pay
  • eStatements & Notifications
  • Transfer funds
  • Bill pay
  • Card Activation
Features
Read full description

Meritrust's Business Online Banking app connects you with the tools you need to seamlessly manage and access your business accounts. Check account balances, make transfers, deposit checks with your phone and so much more. FEATURES: · Self-Service User Access · ACH Approvals & Positive Pay · eStatements & Notifications · Transfer funds · Pay a Person · Bill pay · Make Meritrust loan payments · Card Activation To enroll in Meritrust's Business Online Banking, you must be a business member of Meritrust Credit Union. Data rates may apply from your wireless carrier. Federally insured by NCUA. To learn how we protect your privacy, please visit https://www.meritrustcu.org/home/site/privacy-policy

About

NetSpend Small Business

Manage your business finances on the go. Easily track income and expenses, simplify tax preparation with organized transactions, and accept payments directly through the app. Keep business and personal finances separate for better control.

Highlights
  • Separate business and personal expenses
  • Organize transactions for tax preparation
  • Accept payments on the go
  • Load checks, cash, and card payments
  • Secure and fast financial management
Features
Read full description

The NetSpend Small Business Mobile App lets you manage your account wherever you are, whenever you need it. That means it’s easy to do things like: * Keep your business and personal expenses separate. It’s simple to track how much money you are bringing in, and where you are spending it. * Simplify your taxes. Keep your transactions organized to export them for quarterly and end-of-year tax returns. * Accept payments on the go. Load checks, cash, or credit and debit card payments to your Card Account. It’s secure, fast, and best of all, free.** * Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details. ** While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement for details.

Screenshots

Meritrust Business4 screens
NetSpend Small Business4 screens

Verdict

The call

The clearest difference is rating: Meritrust Business at 4.8 against NetSpend Small Business's 3.2. Meritrust Business also leads on review sentiment (59% vs 33%) and ratings volume (8.3K vs 29). NetSpend Small Business's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 17.0). 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

Meritrust Business holds the better App Store score, 4.8 against 3.2. That said, the two scores are not equally well evidenced: Meritrust Business has 8.3K ratings behind it against 29, so its average is the more settled of the two. Written reviews point the same way: 59% of Meritrust Business's written reviews are positive against 33% of NetSpend Small Business's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on October 26, 2026 and October 22, 2026 respectively.

Scorecard5 real differences · 5 level
Meritrust Business versus NetSpend Small Business: the parameters behind the verdict, then further details
ParameterMeritrust BusinessNetSpend Small Business
PriceFreeFree
Rating4.8 (8.3K ratings) — better3.2 (29 ratings)
Positive reviews59.5% of reviews — better33.3% of reviews
Number of ratings8.3K — better29
Update frequencyEvery 3 monthsEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.013.0 — better
Further details — not scored
Size113 MB47 MB
Age rating4+4+
DeveloperMeritrust Credit UnionNetspend Corporation

Customer experience

Meritrust Business

All ratings8,271 ratings
Positive95.7%
Neutral2.0%
Negative2.3%
Written reviews74 reviews
Positive59.5%
Neutral13.5%
Negative27.0%

NetSpend Small Business

All ratings30 ratings
Positive56.7%
Neutral3.3%
Negative40.0%
Written reviews6 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Bugs and requests

Meritrust Business

Reported bugs

3 issues
  • Mobile deposit not working properly
  • Login issues on mobile app
  • Slow and unreliable performance

Requested features

4 requests
  • Add ability to lock/unlock debit card
  • Improve mobile deposit functionality
  • Streamline login and account access
  • Enhance app performance and stability

NetSpend Small Business

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Meritrust Business

No in-app purchases

None

NetSpend Small Business

No in-app purchases

Questions

Is Meritrust Business free?
Meritrust Business is free to download, with no in-app purchases.
Is NetSpend Small Business free?
NetSpend Small Business is free to download, with no in-app purchases.
Which has better reviews, Meritrust Business or NetSpend Small Business?
Meritrust Business is rated higher. Meritrust Business averages 4.8 out of 5 from 8.3K ratings, while NetSpend Small Business averages 3.2 from 29 ratings.
Do Meritrust Business or NetSpend Small Business have ads?
Neither Meritrust Business nor NetSpend Small Business shows ads.
Which is updated more often, Meritrust Business or NetSpend Small Business?
Meritrust Business ships an update every 3 months, and NetSpend Small Business every 3 months. Most recently, Meritrust Business was updated on October 26, 2026 and NetSpend Small Business on October 22, 2026.

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