BECU vs WaFd Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BECU
Manage your finances on the go with this app. It allows you to view all your BECU and non-BECU accounts, track spending, and handle everyday banking tasks like transfers and mobile check deposits. The design is user-friendly, making financial management simpler.
- Consolidate accounts (BECU & non-BECU)
- Budgeting based on spending history
- Locate ATMs and branches
- Fund transfers
- Mobile check deposit
- Bill pay
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Manage your finances in the palm of your hand: BECU’s app is designed to bring budgeting to your phone. Use the unique features to view not only your BECU accounts but also your credit cards, bank accounts and loans held elsewhere. The colorful, friendly design helps you track spending, review outstanding balances and expenses. The updated app also allows easy everyday banking. From transferring funds to locating ATMs and the ever popular mobile check deposit feature, it’s your money, simplified. BECU App Features and Benefits: • Combine and view your BECU and non-BECU financial accounts in one place • Budget based on your spending, income, debt and expense history • Locate the nearest BECU, ATM or shared branching partner credit union • Transfer funds • Deposit checks • View accounts • Pay bills and view payees • Review Alerts • Updated design and expansive user experience
WaFd Bank
Manage your finances on the go with this mobile banking platform. Connect all your accounts, pay bills, send money, and track spending with automated categorization. Enjoy secure access and convenient features like photo check deposit and card controls.
- View all finances in one app
- Pay bills and move funds
- Send money to friends
- Manage credit card
- Turn debit card on/off
- Automatic transaction categorization
- Photo-deposit checks
- Real-time alerts and notifications
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Manage your money anytime, anywhere with the WaFd Bank app. Connect your accounts from other financial institutions, manage your cards, categorize transactions, and so much more. This is banking from an award-winning Best Bank. - View all your finances in one place - Switch your direct deposit in minutes - Pay bills and move money between banks - Full control over debit and credit cards - Categorize transactions automatically - Mobile photo deposit - Alerts and real-time notifications - Face and fingerprint biometric login - Customize with different themes - Send money via Zelle® or wire transfer
Screenshots
Verdict
BECU and WaFd Bank both sit at 4.8 stars, but that hides the real split: 60% of BECU's written reviews are positive against 43% of WaFd Bank's. BECU also leads on ratings volume (71K vs 3.6K) and iOS requirement (13.0 vs 16.0). On price, rating, update cadence and ads 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
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 BECU against 4.7 for WaFd Bank. That said, the two scores are not equally well evidenced: BECU has 71K ratings behind it against 3.6K, so its average is the more settled of the two. Written reviews are what separate them: 60% of BECU's written reviews are positive against 43% of WaFd Bank's.
BECU ships an update every 2 months, WaFd Bank every 3 months. The most recent releases landed on November 4, 2026 and November 2, 2026 respectively.
| Parameter | BECU | WaFd Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (71K ratings) — better | 4.7 (3.6K ratings) |
| Positive reviews | 59.8% of reviews — better | 42.7% of reviews |
| Number of ratings | 71K — better | 3.6K |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 105 MB | 130 MB |
| Age rating | 4+ | 4+ |
| Developer | BECU | WaFd Bank |
Customer experience
BECU
WaFd Bank
User reviews
BECU
From 71K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💡 Helpful budgeting and spending tracking features
- 🔒 Secure login process
- 👍 Intuitive and user-friendly interface
Room to improve
- 🐛 Transactions not syncing properly
- 🐛 Buggy and unreliable app performance
- 🔍 Lacking important features available on website
- 🤔 Confusing or unintuitive app design
- 🔍 Limited functionality compared to expectations
WaFd Bank
From 3.6K App Store ratingsWhat we love
- 💻 Easy to use
- 📊 Helpful budgeting tools
- 🔗 Ability to link external accounts
- 🚀 Fast and responsive
- 🌟 Excellent app overall
Room to improve
- 🐛 Frequent crashes and bugs
- ⏱️ Slow loading times
- 🔍 Missing features (e.g., check viewing, pending transactions)
- 🔒 Security issues (e.g., password reset problems)
- 📱 Compatibility problems on certain devices
Bugs and requests
BECU
Reported bugs
4 issues- Inconsistent transaction reporting between app and website
- Messaging/chat feature not functioning properly
- Mobile check deposit often fails to recognize correct amounts
- Frequent login issues and challenges with multi-factor authentication
Requested features
5 requests- Add ability to make loan payments and view statements within the app
- Improve transaction search and categorization tools
- Provide option to customize budget categories and time periods
- Integrate credit score checking functionality
- Allow linking of external bank accounts for a more holistic view
WaFd Bank
Reported bugs
4 issues- Login issues and errors
- Syncing problems with external accounts
- Unreliable mobile deposit functionality
- Disappearing or inaccurate transaction data
Requested features
5 requests- Landscape mode support for tablets
- Improved transaction history and balance tracking
- Customizable categories and budgeting options
- Ability to freeze/lock debit cards
- Better integration with other financial apps
In-app purchases
BECU
No in-app purchases
WaFd Bank
No in-app purchases
Questions
Is BECU free?
Is WaFd Bank free?
Which has better reviews, BECU or WaFd Bank?
Do BECU or WaFd Bank have ads?
Which is updated more often, BECU or WaFd Bank?
Other comparisons
