Comparison

PenFed Mobile vs Oriental Bank

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

Head to head
About

PenFed Mobile

Manage your finances on the go with this secure mobile banking application. Easily make deposits, pay bills, transfer funds, and view account statements. Enjoy a streamlined and personalized banking experience with real-time notifications.

Highlights
  • Mobile deposits and payments
  • Bill payment services
  • Account and statement management
  • Money transfers
  • Personalized notifications
Features
Read full description

PenFed’s mobile app makes daily banking simple, seamless and secure. Access accounts, move money and more. The PenFed mobile app is more than just a banking tool; it's a gateway to financial empowerment. The intuitive structure, sleek new design and faster interface create a delightful mobile banking experience that makes it easy to: - Make deposits and payments - Pay your bills - Manage your accounts and statements - Transfer money your way We use analytics to tailor your experience better than ever. You can also stay connected with real-time, personalized notifications that keep you informed and engaged.

About

Oriental Bank

Manage your finances with smart banking tools. Get personalized insights, budget effectively, and control your accounts and cards. Access e-statements and set up custom notifications for a secure and efficient banking experience.

Highlights
  • Personalized financial insights
  • Monthly budget creation
  • Transaction and balance projections
  • Enhanced card controls
  • E-statement access
  • Customizable notifications
  • Account management tools
Features
Read full description

Experience a smart mobile banking with Banca Móvil from Oriental Bank! Discover the new and enhanced Banca Móvil app, crafted to provide a smarter banking experience. Our app offers personalized insights and suggestions to help you manage your finances more effectively and develop healthier financial habits. ∙ Language Options: Enjoy a personalized experience with support for both English and Spanish. ∙ Smart Suggestions: Receive tailored advice based on your financial activities, helping you make informed decisions. ∙ Monthly Projections: Get forecasts of your transactions and balances to anticipate expenses and stay in control of your finances. ∙ Budgeting Tools: Categorize your expenses and create monthly budgets to optimize your spending. ∙ E-Statements: Access your electronic statements at the end of each cycle for easy transaction review. ∙ Enhanced Card Control: Manage your card with features like blocking and PIN changes for added security. ∙ Account Management: Benefit from features such as password reset, complete account number, change address, cancel and order checks, and more. ∙ Notifications: Choose what you want to be notified about, including past-due payments and card usage. ∙ Continue enjoying features from our previous app version, such as recurrent payments and transfers, People Pay, adding external accounts, check deposits with Remote Check Deposit, and more. Banca Móvil from Oriental Bank is free and secure. Member FDIC. ¡APPúntate a una Banca Móvil inteligente! Descubre la nueva y mejorada aplicación Banca Móvil de Oriental Bank, diseñada para proporcionar una experiencia bancaria más inteligente. Nuestra aplicación ofrece información personalizada y sugerencias para ayudarte a manejar tus finanzas de manera más eficiente y desarrollar hábitos financieros más saludables. ∙ Opciones de Idioma: Disfruta de una experiencia personalizada con soporte para inglés y español. ∙ Sugerencias Inteligentes: Recibe consejos personalizados basados en tus actividades financieras, ayudándote a tomar decisiones informadas. ∙ Proyecciones Mensuales: Obtén predicciones de tus transacciones y saldos para anticiparte a tus gastos y mantenerte en control de tus finanzas. ∙ Herramientas Presupuestarias: Categoriza tus gastos y crea presupuestos mensuales para que manejes tu dinero de manera efectiva. ∙ E-Statements: Accede a tus estados de cuenta electrónicos al final de cada ciclo para una revisión fácil de tus transacciones. ∙ Control Mejorado de tus Tarjetas: Gestiona tu tarjeta con funciones como el bloqueo y los cambios de PIN para mayor seguridad. ∙ Gestión de Cuentas: Benefíciate de funciones como restablecer tu contraseña, ver el número completo de tu cuenta, cambiar la dirección, cancelar y solicitar cheques, etc. ∙ Notificaciones: Elige sobre qué quieres recibir notificaciones, incluyendo pagos atrasados y el uso de tus tarjetas. ∙ Continúa disfrutando de las funciones de nuestra app anterior como pagos y transferencias recurrentes, People Pay, agregar cuentas externas, depósitos de cheques con FOTOdepósito, y más. Banca Móvil de Oriental Bank es gratuita y segura. Miembro FDIC.

Screenshots

PenFed Mobile4 screens
Oriental Bank4 screens

Verdict

The call

PenFed Mobile and Oriental Bank both sit at 4.8 stars, but that hides the real split: 83% of Oriental Bank's written reviews are positive against 36% of PenFed Mobile's. On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 4.8 for PenFed Mobile against 4.9 for Oriental Bank. Both are backed by a comparable volume of ratings — 60K and 22K respectively. Written reviews are what separate them: 36% of PenFed Mobile's written reviews are positive against 83% of Oriental Bank's.

UpkeepUpdate frequency

PenFed Mobile ships an update fortnightly, Oriental Bank every 3 weeks. Both last shipped on September 27, 2026.

Scorecard1 real difference · 9 level
PenFed Mobile versus Oriental Bank: the parameters behind the verdict, then further details
ParameterPenFed MobileOriental Bank
PriceFreeFree
Rating4.8 (60K ratings)4.9 (22K ratings) — better
Positive reviews35.6% of reviews83.0% of reviews — better
Number of ratings60K — better22K
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better16.0
Further details — not scored
Size149 MB147 MB
Age rating4+4+
DeveloperPentagon Federal Credit UnionOFG Bancorp

Customer experience

PenFed Mobile

All ratings60,190 ratings
Positive95.3%
Neutral1.3%
Negative3.3%
Written reviews710 reviews
Positive35.6%
Neutral9.3%
Negative55.1%

Oriental Bank

All ratings21,740 ratings
Positive97.6%
Neutral1.3%
Negative1.0%
Written reviews194 reviews
Positive83.0%
Neutral7.7%
Negative9.3%

User reviews

PenFed Mobile

From 60K App Store ratings

What we love

  • 🚀 Quick and easy banking
  • 💫 Excellent credit union
  • 🔒 Secure banking
  • 👍 User-friendly app design

Room to improve

  • 🐛 Frequent app crashes and freezes
  • 🕰️ Slow transaction processing
  • 🔑 Inconvenient login process
  • ⚠️ Unreliable app functionality
  • 🤔 Missing key features

Oriental Bank

From 22K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Efficient and fast
  • 💯 Excellent service
  • 🤩 Improved app experience

Room to improve

  • 🐛 Face ID not working
  • 🤔 Complicated for older users
  • 🤨 Confusing layout and navigation

Bugs and requests

PenFed Mobile

Reported bugs

4 issues
  • Inability to view transactions
  • Mobile deposit issues
  • Login and authentication problems
  • Inconsistent app performance

Requested features

5 requests
  • Dark mode option
  • Transaction history details
  • Debit/credit card management
  • Improved mobile check deposit
  • In-app bill pay and transfers

Oriental Bank

Reported bugs

2 issues
  • New app still prompting for download
  • Accounts not displaying properly

Requested features

3 requests
  • Add Apple Pay support
  • Improve People Pay transfers
  • Add passcode/biometric access

In-app purchases

None

PenFed Mobile

No in-app purchases

None

Oriental Bank

No in-app purchases

Questions

Is PenFed Mobile free?
PenFed Mobile is free to download, with no in-app purchases.
Is Oriental Bank free?
Oriental Bank is free to download, with no in-app purchases.
Which has better reviews, PenFed Mobile or Oriental Bank?
Oriental Bank is rated higher. PenFed Mobile averages 4.8 out of 5 from 60K ratings, while Oriental Bank averages 4.9 from 22K ratings.
Do PenFed Mobile or Oriental Bank have ads?
Neither PenFed Mobile nor Oriental Bank shows ads.
Which is updated more often, PenFed Mobile or Oriental Bank?
PenFed Mobile ships an update fortnightly, and Oriental Bank every 3 weeks. Most recently, PenFed Mobile was updated on September 27, 2026 and Oriental Bank on September 27, 2026.

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