Comparison

Voya vs Optum Financial

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Voya

Manage your entire financial life from one secure app. Track retirement, health savings, and investment accounts, alongside external banking and credit card information. Receive personalized guidance and access interactive tools to help you achieve your financial goals.

Highlights
  • All-in-one account aggregation
  • Personalized financial guidance
  • Retirement income modeling
  • Secure data protection
  • Workplace benefits insights
  • Healthcare expense tracking
Features
Currently charting
Read full description

Your financial life, connected and confident Experience a simpler way to manage your money anytime, anywhere. With the Voya mobile app, you get a comprehensive, secure, and personalized financial experience designed to help you stay on track for your future. • All-in-one access View and manage your retirement, health savings, and investment accounts in one place—alongside external accounts like checking, savings, and credit cards—for a complete picture of your financial life. • Personalized financial guidance Get tailored insights, goal tracking, and nudges to help you save more, pay off debt, plan for college, or prepare for retirement. • Interactive tools & resources Model retirement income with myOrangeMoney®, access video education, live chat support, and investment advice all designed to help you take confident action. • Secure and private Your data is protected with enhanced encryption, multi-factor authentication, biometric voice ID, and our S.A.F.E. guarantee. We never sell your personal information—ever. • Effortless experience Clean design and intuitive navigation make it easy to check balances, update contributions and beneficiaries, and manage your investments all while on the go. Plus, the entire app is also available in Spanish. • Benefits and healthcare insights If offered through your retirement or employee benefits plan, review your workplace benefits and savings options with personalized support, while also staying on top of your healthcare by tracking out-of-pocket expenses and receiving reminders for preventive care. Wherever life takes you, Voya goes with you. Log in today to experience your upgraded financial journey — personalized, secure, and built to help you retire with confidence. Current Voya Retire users will either seamlessly transition to the new experience through an automatic update or receive a prompt to update their app.

About

Optum Financial

Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.

Highlights
  • Manage benefit accounts
  • View balances and transaction history
  • Pay providers or reimburse yourself
  • View and manage claims
  • Capture and upload documentation
  • Live customer care via mobile chat
Features
Read full description

Managing and paying for eligible health care expenses on the go has never been easier with the Optum Financial mobile app. Designed with unique features like receipt capture and e-sign dependent care certification, you can easily manage account details, access transaction history and view balances - giving you maximum control over you accounts and healthcare finances. Mobile features include: • Access to view and manage all Optum Financial benefit accounts • View account balances and transaction history • Pay providers or reimburse yourself for qualified out-of-pocket expenses • View and manage claims • Receive smart in-app alerts for claims requiring attention • Capture and upload claims documentation through photo capture technology • Quick access to previously submitted documentation • Connect with a live customer care representative via mobile chat 24/7 • Manage account preferences and add account users • Access eligible expenses listing Access Instructions You will need to have an Optum Financial or ConnectYourCare health account to use this app. If you are an Optum Financial or ConnectYourCare customer and need to update your account credentials, please visit www.optumfinancial.com. ABOUT OPTUM FINANCIAL: Optum Financial is advancing the way account holders save and pay for care, connecting the worlds of health and finance in ways that no one else can. Optum Financial is the #1 ranked health accounts administrator with over $17.7B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Financial helps reduce costs while helping people make better health decisions– creating a better health care experience for our customers.

Screenshots

Voya4 screens
Optum Financial3 screens

Verdict

The call

Voya and Optum Financial both sit at 4.7 stars, but that hides the real split: 55% of Optum Financial's written reviews are positive against 24% of Voya's. Voya's advantage is update cadence (fortnightly vs every 5 weeks) and chart position (#177 vs unranked). On price, rating, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for Voya against 4.7 for Optum Financial. That said, the two scores are not equally well evidenced: Voya has 188K ratings behind it against 29K, so its average is the more settled of the two. Written reviews are what separate them: 24% of Voya's written reviews are positive against 55% of Optum Financial's.

UpkeepUpdate frequency

Voya ships an update fortnightly, Optum Financial every 5 weeks. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

Scorecard5 real differences · 6 level
Voya versus Optum Financial: the parameters behind the verdict, then further details
ParameterVoyaOptum Financial
PriceFreeFree
Rating4.7 (188K ratings)4.7 (29K ratings) — better
Positive reviews23.7% of reviews55.1% of reviews — better
Number of ratings188K — better29K
Update frequencyFortnightly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#177 — better—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.6
Further details — not scored
Size138 MB24 MB
Age rating4+4+
DeveloperVoya Services CompanyOptum Inc.

Customer experience

Voya

All ratings188,486 ratings
Positive93.9%
Neutral2.6%
Negative3.5%
Written reviews775 reviews
Positive23.7%
Neutral9.5%
Negative66.7%

Optum Financial

All ratings28,923 ratings
Positive94.8%
Neutral1.6%
Negative3.7%
Written reviews243 reviews
Positive55.1%
Neutral7.0%
Negative37.9%

User reviews

Voya

From 188K App Store ratings

What we love

  • 🚀 Intuitive user interface
  • 🔒 Robust security features
  • 💡 Retirement planning tools
  • 👍 User-friendly navigation

Room to improve

  • 🐛 Frequent app crashes and system unavailability
  • 👎 Lack of transparency in account details
  • 🕰️ Slow performance and loading times
  • 📊 Limited investment performance history

Optum Financial

From 29K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient mobile experience
  • 💳 Ability to pay providers directly
  • 📂 Straightforward claim submission
  • 💰 Helpful for managing medical expenses

Room to improve

  • 🐛 Buggy document upload and submission
  • 🤔 Lack of explanations for claim rejections
  • 🕰️ Slow processing and response times
  • 🔍 Unintuitive navigation and UI
  • 🤖 Poor customer service and support

Bugs and requests

Voya

Reported bugs

3 issues
  • Login issues with Face ID/Touch ID
  • Inability to access account details and transactions
  • Inconsistent app behavior across iOS versions

Requested features

4 requests
  • Ability to view monthly/quarterly investment performance
  • Option to customize contribution limits
  • Improved fund lookup and research tools
  • Enhanced portfolio tracking and analytics

Optum Financial

Reported bugs

5 issues
  • Blank screens and app crashes
  • Inconsistent behavior with photo uploads
  • Login and account access issues
  • Incorrect or missing account balance information
  • Inability to add new documentation to existing claims

Requested features

5 requests
  • Ability to save provider information
  • Option to submit multiple claims at once
  • Automatic reimbursement based on insurance EOBs
  • Clearer communication on claim status and issues
  • Improved search and filtering for transactions

In-app purchases

None

Voya

No in-app purchases

None

Optum Financial

No in-app purchases

Questions

Is Voya free?
Voya is free to download, with no in-app purchases.
Is Optum Financial free?
Optum Financial is free to download, with no in-app purchases.
Which has better reviews, Voya or Optum Financial?
Optum Financial is rated higher. Voya averages 4.7 out of 5 from 188K ratings, while Optum Financial averages 4.7 from 29K ratings.
Do Voya or Optum Financial have ads?
Neither Voya nor Optum Financial shows ads.
Which is updated more often, Voya or Optum Financial?
Voya ships an update fortnightly, and Optum Financial every 5 weeks. Most recently, Voya was updated on September 25, 2026 and Optum Financial on September 24, 2026.

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