# BECU vs WaFd Bank

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.

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.

## The numbers

| Metric | BECU | WaFd Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (71K ratings)](https://appshunter.io/ios/app/becu/id465186865/reviews)** | [4.7 (3.6K ratings)](https://appshunter.io/ios/app/wafd-bank/id1054549841/reviews) |
| Number of ratings | **71K** | 3.6K |
| Positive reviews | **59.8% of reviews** | 42.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | Free |
| Size | 105 MB | 130 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [BECU](https://appshunter.io/developer/465186868) | [WaFd Bank](https://appshunter.io/developer/691369619) |

## What reviewers say

### BECU

[App page](https://appshunter.io/ios/app/becu/id465186865)

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.

**Highlights:** Consolidate accounts (BECU & non-BECU), Budgeting based on spending history, Locate ATMs and branches, Fund transfers, Mobile check deposit, Bill pay

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💡 Helpful budgeting and spending tracking features
- 🔒 Secure login process
- 👍 Intuitive and user-friendly interface

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/wafd-bank/id1054549841)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💻 Easy to use
- 📊 Helpful budgeting tools
- 🔗 Ability to link external accounts
- 🚀 Fast and responsive
- 🌟 Excellent app overall

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- Login issues and errors
- Syncing problems with external accounts
- Unreliable mobile deposit functionality
- Disappearing or inaccurate transaction data

**Requested features**

- 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


## Frequently asked questions

### Is BECU free?

BECU is free to download, with no in-app purchases.

### Is WaFd Bank free?

WaFd Bank is free to download, with no in-app purchases.

### Which has better reviews, BECU or WaFd Bank?

BECU is rated higher. BECU averages 4.8 out of 5 from 71K ratings, while WaFd Bank averages 4.7 from 3.6K ratings.

### Do BECU or WaFd Bank have ads?

Neither BECU nor WaFd Bank shows ads.

### Which is updated more often, BECU or WaFd Bank?

BECU ships an update every 2 months, and WaFd Bank every 3 months. Most recently, BECU was updated on November 4, 2026 and WaFd Bank on November 2, 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.*