# Voya vs Optum Bank

The clearest difference is update cadence: Voya at fortnightly against Optum Bank's monthly. Voya also leads on device support (3 vs 1) and ratings volume (191K vs 55K). On price, rating, review sentiment 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 — 4.7 for Voya against 4.7 for Optum Bank. Both are backed by a comparable volume of ratings — 191K and 55K respectively. Written reviews are what separate them: 24% of Voya's written reviews are positive against 26% of Optum Bank's.

Voya ships an update fortnightly, Optum Bank monthly. Both last shipped on November 8, 2026.

## The numbers

| Metric | Voya | Optum Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (191K ratings)](https://appshunter.io/ios/app/voya/id492157058/reviews) | **[4.7 (55K ratings)](https://appshunter.io/ios/app/optum-bank/id1322690077/reviews)** |
| Number of ratings | **191K** | 55K |
| Positive reviews | 23.8% of reviews | **25.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 138 MB | 66 MB |
| Requires iOS | **15.0** | 16.0 |
| 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)

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 Bank

[App page](https://appshunter.io/ios/app/optum-bank/id1322690077)

Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

**Highlights:** Track account balances, Understand eligible expenses, Pay for health costs, Submit claims for reimbursement, Store health care receipts, View account transactions

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient and streamlined
- 👍 Easy to check balance and manage contributions
- 💡 Allows digital card in Apple Wallet

**What reviewers complain about**

- 🐛 Frequent login issues and app crashes
- 🔍 Limited functionality compared to website
- 🤔 Inconsistent user experience between app and website
- 🤯 Poor technical support and communication

**Reported bugs**

- App crashes when submitting reimbursement claims
- Receipts not displaying properly or disappearing
- Investment transfer functionality not working
- Slow performance and loading times

**Requested features**

- Batch claim processing for pharmacy receipts
- Ability to associate receipts with past claims
- Improved receipt management and submission flow
- Consistent data and functionality between app and website


## Frequently asked questions

### Is Voya free?

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

### Is Optum Bank free?

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

### Which has better reviews, Voya or Optum Bank?

Optum Bank is rated higher. Voya averages 4.7 out of 5 from 191K ratings, while Optum Bank averages 4.7 from 55K ratings.

### Do Voya or Optum Bank have ads?

Neither Voya nor Optum Bank shows ads.

### Which is updated more often, Voya or Optum Bank?

Voya ships an update fortnightly, and Optum Bank monthly. Most recently, Voya was updated on November 8, 2026 and Optum Bank on November 8, 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.*