# Happen Bank vs MySynchrony

The clearest difference is ratings volume: MySynchrony at 118K against Happen Bank's 9.7K. MySynchrony also leads on chart position (#27 vs unranked) and review sentiment (82% vs 71%). Happen Bank's advantage is iOS requirement (15.0 vs 18). 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 — 4.8 for Happen Bank against 4.8 for MySynchrony. That said, the two scores are not equally well evidenced: MySynchrony has 118K ratings behind it against 9.7K, so its average is the more settled of the two. Written reviews are what separate them: 71% of Happen Bank's written reviews are positive against 82% of MySynchrony's.

Happen Bank ships an update every 10 days, MySynchrony every 3 weeks. Both last shipped on November 5, 2026.

## The numbers

| Metric | Happen Bank | MySynchrony |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (9.7K ratings)](https://appshunter.io/ios/app/happen-bank/id532638447/reviews) | **[4.8 (118K ratings)](https://appshunter.io/ios/app/mysynchrony/id1280992496/reviews)** |
| Number of ratings | 9.7K | **118K** |
| Positive reviews | 71.3% of reviews | **82.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 3 weeks |
| Monetization | Free | Free |
| Best chart rank | — | **#27** |
| Size | 131 MB | 197 MB |
| Requires iOS | **15.0** | 18 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Happen, Inc](https://appshunter.io/developer/1194703486) | [Synchrony Financial](https://appshunter.io/developer/989262152) |

## What reviewers say

### Happen Bank

[App page](https://appshunter.io/ios/app/happen-bank/id532638447)

A digital banking platform that consolidates borrowing, checking, and savings into a single, intuitive experience. Make quick financial decisions, track loan progress, and work towards your goals with interest-earning accounts and tools to help you save and earn more.

**Highlights:** Consolidated banking accounts and loans, Loan pay-down progress tracking, Interest-earning savings accounts, Rewards checking accounts, Credit card aggregation, Secure money transfers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient banking
- 🚀 Seamless experience
- 🚀 Intuitive interface
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Buggy app
- 🐛 Unreliable app performance
- 🐛 Slow transaction processing
- 🐛 Inconsistent user experience
- 🐛 Difficult to navigate

**Reported bugs**

- Account login issues
- Incorrect account balance display
- Unreliable mobile deposit functionality
- Delayed transaction updates
- Compatibility problems with newer devices

**Requested features**

- Improve mobile deposit process
- Add Zelle integration
- Enhance transaction history and categorization
- Provide better account management tools
- Improve app responsiveness and stability


### MySynchrony

[App page](https://appshunter.io/ios/app/mysynchrony/id1280992496)

**Currently charting:** #27 Top Free · Finance (US App Store)

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

**Highlights:** Manage credit cards in one place, Secure biometric login, Schedule and manage payments, Check balance and credit limit, Review transaction history, Access partner deals and offers, Financial education blog

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 User-friendly
- 👍 Convenient
- 👍 Streamlined payment process
- 👍 Helpful for managing multiple accounts

**What reviewers complain about**

- 🐛 App crashes or freezes
- 🐛 Login issues
- 🐛 Inconsistent account information
- 🐛 Difficulty adding or managing accounts
- 🐛 Unreliable payment processing

**Reported bugs**

- Delayed payment updates
- Incorrect account balance information
- Compatibility issues with older devices
- Inability to remove closed accounts from the app

**Requested features**

- Ability to view all accounts in one place
- Option to set up automatic payments
- More detailed transaction history
- Improved notification system
- Ability to update personal information within the app


## Frequently asked questions

### Is Happen Bank free?

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

### Is MySynchrony free?

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

### Which has better reviews, Happen Bank or MySynchrony?

MySynchrony is rated higher. Happen Bank averages 4.8 out of 5 from 9.7K ratings, while MySynchrony averages 4.8 from 118K ratings.

### Do Happen Bank or MySynchrony have ads?

Neither Happen Bank nor MySynchrony shows ads.

### Which is updated more often, Happen Bank or MySynchrony?

Happen Bank ships an update every 10 days, and MySynchrony every 3 weeks. Most recently, Happen Bank was updated on November 5, 2026 and MySynchrony on November 5, 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.*