# BECU vs LT Trust

The clearest difference is review sentiment: BECU at 60% against LT Trust's 0%. BECU also leads on rating (4.8 vs 2.0) and ratings volume (70K vs 15). LT Trust's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, in-app purchases and device support there is nothing between them.

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

BECU holds the better App Store score, 4.8 against 2.0. That said, the two scores are not equally well evidenced: BECU has 70K ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 60% of BECU's written reviews are positive against 0% of LT Trust's.

BECU ships an update every 2 months, LT Trust every 7 months. The most recent releases landed on October 17, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | BECU | LT Trust |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (70K ratings)](https://appshunter.io/ios/app/becu/id465186865/reviews)** | [2.0 (15 ratings)](https://appshunter.io/ios/app/lt-trust/id1487445735/reviews) |
| Number of ratings | **70K** | 15 |
| Positive reviews | **59.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 months** | Every 7 months |
| Monetization | Ad-supported | **Free** |
| Size | 102 MB | 21 MB |
| Requires iOS | 13.0 | **11.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BECU](https://appshunter.io/developer/465186868) | [LT Trust](https://appshunter.io/developer/1487445733) |

## What reviewers say

### BECU

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

Manage all your financial accounts, both BECU and external, in one place. Track spending, review balances, and handle everyday banking tasks like transfers and mobile check deposits with a user-friendly interface.

**Highlights:** Consolidate BECU and non-BECU accounts, Budget based on spending history, Locate ATMs and credit unions, Transfer funds, Deposit checks, Pay bills

**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


### LT Trust

[App page](https://appshunter.io/ios/app/lt-trust/id1487445735)

Manage your retirement plan by accessing key details like your current balance and investment choices. Stay informed about your financial future with easy-to-view account information.

**Highlights:** View account balance, Check investment elections, Access important account information, Retirement plan management

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BECU free?

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

### Is LT Trust free?

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

### Which has better reviews, BECU or LT Trust?

BECU is rated higher. BECU averages 4.8 out of 5 from 70K ratings, while LT Trust averages 2.0 from 15 ratings.

### Do BECU or LT Trust have ads?

BECU shows ads; LT Trust does not.

### Which is updated more often, BECU or LT Trust?

BECU ships an update every 2 months, and LT Trust every 7 months. Most recently, BECU was updated on October 17, 2026 and LT Trust on October 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.*