BECU vs Reliable Credit
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
Reliable Credit
Manage your credit payments effortlessly with real-time scheduling and tracking. View your payment history and communicate directly with your provider for a fast and easy experience.
- Real-time payment scheduling
- Payment history viewing
- Direct provider chat
- Fast and easy interface
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Make and schedule your Reliable Credit payment in real-time. The Reliable Credit App is the easiest way to make your payment, see your payment history, and chat with your provider. It's fast and easy.
Screenshots
Verdict
The clearest difference is review sentiment: BECU at 60% against Reliable Credit's 0%. BECU also leads on rating (4.8 vs 3.1) and ratings volume (71K vs 22). On price, ads, in-app purchases and monetization model 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.
BECU holds the better App Store score, 4.8 against 3.1. That said, the two scores are not equally well evidenced: BECU has 71K ratings behind it against 22, 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 Reliable Credit's.
BECU ships an update every 2 months, Reliable Credit every 7 months. The most recent releases landed on October 31, 2026 and October 21, 2026 respectively.
| Parameter | BECU | Reliable Credit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (71K ratings) — better | 3.1 (22 ratings) |
| Positive reviews | 59.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 71K — better | 22 |
| Update frequency | Every 2 months — better | Every 7 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 105 MB | 39 MB |
| Age rating | 4+ | 4+ |
| Developer | BECU | Reliable Credit Association, Inc. |
Customer experience
BECU
Reliable Credit
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
Reliable Credit
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BECU
No in-app purchases
Reliable Credit
No in-app purchases
Questions
Is BECU free?
Is Reliable Credit free?
Which has better reviews, BECU or Reliable Credit?
Do BECU or Reliable Credit have ads?
Which is updated more often, BECU or Reliable Credit?
Other comparisons
