# Meritrust Business vs NetSpend Small Business

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.

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

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.

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

## The numbers

| Metric | Meritrust Business | NetSpend Small Business |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.3K ratings)](https://appshunter.io/ios/app/meritrust-business/id457535059/reviews)** | [3.2 (29 ratings)](https://appshunter.io/ios/app/netspend-small-business/id1122232949/reviews) |
| Number of ratings | **8.3K** | 29 |
| Positive reviews | **59.5% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 113 MB | 47 MB |
| Requires iOS | 17.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Meritrust Credit Union](https://appshunter.io/developer/457535062) | [Netspend Corporation](https://appshunter.io/developer/381397907) |

## What reviewers say

### Meritrust Business

[App page](https://appshunter.io/ios/app/meritrust-business/id457535059)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Great app
- 🚀 Convenient and easy to use
- 💡 Useful features like mobile check deposit
- 🔒 Secure login options

**What reviewers complain about**

- 🐛 Mobile deposit issues (blurry images, rotation problems)
- 🐛 Login problems (invalid credentials, white screens)
- 🐛 Slow performance, frequent crashes
- 🔍 Difficult to find/use certain features (external transfers)

**Reported bugs**

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

**Requested features**

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


### NetSpend Small Business

[App page](https://appshunter.io/ios/app/netspend-small-business/id1122232949)

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:** macOS Compatibility

**In-app purchases:** none


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