# Lloyds Mobile Banking vs MyFluent

Lloyds Mobile Banking and MyFluent both sit at 4.9 stars, but that hides the real split: 92% of MyFluent's written reviews are positive against 61% of Lloyds Mobile Banking's. Lloyds Mobile Banking's advantage is ratings volume (21K vs 2). 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 — 4.9 for Lloyds Mobile Banking against 5.0 for MyFluent. That said, the two scores are not equally well evidenced: Lloyds Mobile Banking has 21K ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 61% of Lloyds Mobile Banking's written reviews are positive against 92% of MyFluent's.

Lloyds Mobile Banking ships an update fortnightly, MyFluent every 3 weeks. The most recent releases landed on November 6, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Lloyds Mobile Banking | MyFluent |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (21K ratings)](https://appshunter.io/ios/app/lloyds-mobile-banking/id469964520/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/myfluent/id576793105/reviews)** |
| Number of ratings | **21K** | 2 |
| Positive reviews | 61.4% of reviews | **92.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 575 MB | 51 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Lloyds Banking Group](https://appshunter.io/developer/469964523) | [Fluent Money](https://appshunter.io/developer/576793108) |

## What reviewers say

### Lloyds Mobile Banking

[App page](https://appshunter.io/ios/app/lloyds-mobile-banking/id469964520)

Manage your finances with confidence, access banking services, and track spending in real-time. Apply for new accounts, block subscriptions, and get support anytime. Offers cashback and savings tools.

**Highlights:** Manage accounts and view transactions, Pay bills and transfer money, Apply for new bank accounts, Block and cancel subscriptions, Request and receive payments, Spending insights and budgeting tools, Earn cashback with Everyday Offers, Freeze and unfreeze cards

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and efficient
- 🔒 Secure banking
- 💡 Convenient mobile banking
- 👍 Intuitive interface

**What reviewers complain about**

- 🐛 Crashes and stability issues
- 🔍 Cluttered and confusing interface
- 🔍 Outdated design
- 🔍 Limited functionality compared to competitors
- 🔍 Difficult to navigate

**Reported bugs**

- Authentication issues
- Inconsistent performance across devices
- Inability to update contact information
- Delayed transaction notifications

**Requested features**

- Dark mode option
- Ability to customize app layout
- Integration with password managers
- Enhanced transaction history and analytics
- Support for international accounts


### MyFluent

[App page](https://appshunter.io/ios/app/myfluent/id576793105)

Track your loan application's progress in real time and communicate directly with your dedicated case manager. Upload necessary documents and receive immediate status updates throughout the process.

**Highlights:** Real-time application progress tracking, Direct communication with Case Manager, View lender details, Immediate status updates, Document upload (P45, P60, payslips), Identity verification via phone camera

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 User-friendly interface
- 👍 Keeps users informed
- 👍 Good for tracking progress
- 👍 Allows communication with case worker/advisor

**What reviewers complain about**

- 🐛 Does not upload correctly
- 🐛 Email bounces back
- 🐛 Makes life more complicated
- 🐛 UX really awful
- 🐛 App doesn’t update in line with changes

**Reported bugs**

- Does not upload correctly
- Email bounces back
- Document tab doesn't work
- App doesn't update in line with changes
- New messages slow to appear

**Requested features**

- Ability to complete forms online
- Touch ID login


## Frequently asked questions

### Is Lloyds Mobile Banking free?

Lloyds Mobile Banking is free to download, with no in-app purchases.

### Is MyFluent free?

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

### Which has better reviews, Lloyds Mobile Banking or MyFluent?

MyFluent is rated higher. Lloyds Mobile Banking averages 4.9 out of 5 from 21K ratings, while MyFluent averages 5.0 from 2 ratings.

### Do Lloyds Mobile Banking or MyFluent have ads?

Neither Lloyds Mobile Banking nor MyFluent shows ads.

### Which is updated more often, Lloyds Mobile Banking or MyFluent?

Lloyds Mobile Banking ships an update fortnightly, and MyFluent every 3 weeks. Most recently, Lloyds Mobile Banking was updated on November 6, 2026 and MyFluent on November 1, 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.*