# Voya vs Optum Financial

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 (#197 vs unranked). On price, rating, ads and in-app purchases 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 — 4.7 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.

Voya ships an update fortnightly, Optum Financial every 5 weeks. Both last shipped on September 25, 2026.

## The numbers

| Metric | Voya | Optum Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (188K ratings)](https://appshunter.io/ios/app/voya/id492157058/reviews) | [4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews) |
| Number of ratings | **188K** | 29K |
| Positive reviews | 23.7% of reviews | **55.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free | Free |
| Best chart rank | **#197** | — |
| Size | 138 MB | 24 MB |
| Requires iOS | **15.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Voya Services Company](https://appshunter.io/developer/490636997) | [Optum Inc.](https://appshunter.io/developer/1133706680) |

## What reviewers say

### Voya

[App page](https://appshunter.io/ios/app/voya/id492157058)

**Currently charting:** #197 Top Free · Finance (US App Store)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/optum-financial/id1303691237)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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


## Frequently asked 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?

Voya and Optum Financial are both rated 4.7 out of 5 on the App Store, from 188K and 29K ratings respectively.

### 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 25, 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.*