# PenFed Mobile vs Oriental Bank

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.

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

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.

PenFed Mobile ships an update fortnightly, Oriental Bank every 3 weeks. Both last shipped on September 28, 2026.

## The numbers

| Metric | PenFed Mobile | Oriental Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (60K ratings)](https://appshunter.io/ios/app/penfed-mobile/id460008350/reviews) | **[4.9 (22K ratings)](https://appshunter.io/ios/app/oriental-bank/id6445898608/reviews)** |
| Number of ratings | **60K** | 22K |
| Positive reviews | 35.6% of reviews | **83.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 149 MB | 147 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Pentagon Federal Credit Union](https://appshunter.io/developer/407249051) | [OFG Bancorp](https://appshunter.io/developer/688388398) |

## What reviewers say

### PenFed Mobile

[App page](https://appshunter.io/ios/app/penfed-mobile/id460008350)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Oriental Bank

[App page](https://appshunter.io/ios/app/oriental-bank/id6445898608)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- New app still prompting for download
- Accounts not displaying properly

**Requested features**

- Add Apple Pay support
- Improve People Pay transfers
- Add passcode/biometric access


## Frequently asked 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 28, 2026 and Oriental Bank on September 28, 2026.

---

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