# BECU vs Reliable Credit

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.

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.

## The numbers

| Metric | BECU | Reliable Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (71K ratings)](https://appshunter.io/ios/app/becu/id465186865/reviews)** | [3.1 (22 ratings)](https://appshunter.io/ios/app/reliable-credit/id1520395302/reviews) |
| Number of ratings | **71K** | 22 |
| Positive reviews | **59.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 7 months |
| Monetization | Free | Free |
| Size | 105 MB | 39 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [BECU](https://appshunter.io/developer/465186868) | [Reliable Credit Association, Inc.](https://appshunter.io/developer/1520395304) |

## 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


### Reliable Credit

[App page](https://appshunter.io/ios/app/reliable-credit/id1520395302)

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.

**Highlights:** Real-time payment scheduling, Payment history viewing, Direct provider chat, Fast and easy interface

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BECU free?

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

### Is Reliable Credit free?

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

### Which has better reviews, BECU or Reliable Credit?

BECU is rated higher. BECU averages 4.8 out of 5 from 71K ratings, while Reliable Credit averages 3.1 from 22 ratings.

### Do BECU or Reliable Credit have ads?

Neither BECU nor Reliable Credit shows ads.

### Which is updated more often, BECU or Reliable Credit?

BECU ships an update every 2 months, and Reliable Credit every 7 months. Most recently, BECU was updated on October 31, 2026 and Reliable Credit on October 21, 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.*