# Surency Flex vs INTRUST Bank

The clearest difference is rating: INTRUST Bank at 4.8 against Surency Flex's 4.3. INTRUST Bank also leads on update cadence (monthly vs every 3 months) and ratings volume (8.6K vs 640). On price, review sentiment, 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.

INTRUST Bank holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: INTRUST Bank has 8.6K ratings behind it against 640, so its average is the more settled of the two. Written reviews split almost evenly too, at 53% and 54% positive.

Surency Flex ships an update every 3 months, INTRUST Bank monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Surency Flex | INTRUST Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (640 ratings)](https://appshunter.io/ios/app/surency-flex/id594231327/reviews) | **[4.8 (8.6K ratings)](https://appshunter.io/ios/app/intrust-bank/id1533878437/reviews)** |
| Number of ratings | 640 | **8.6K** |
| Positive reviews | 53.1% of reviews | **53.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 32 MB | 196 MB |
| Requires iOS | **17.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Surency Life and Health Insurance Company](https://appshunter.io/developer/594231430) | [INTRUST Bank](https://appshunter.io/developer/476283668) |

## What reviewers say

### Surency Flex

[App page](https://appshunter.io/ios/app/surency-flex/id594231327)

Easily manage your health benefit accounts like HSA, HRA, and FSA on the go. Quickly check balances, view account details, and submit claims with real-time access and secure navigation.

**Highlights:** Check account balances 24/7, View account summaries and charts, Submit claims with receipt photos, Manage HSA transactions, Pay bills and add payees, Report lost or stolen debit cards

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app interface and navigation
- 🚀 Easy and fast claim submission process
- 💳 Convenient mobile receipt scanning feature
- 📱 Simple balance tracking and account management
- ⭐ Helpful and responsive customer service team

**What reviewers complain about**

- 🐛 Frequent session timeouts requiring re-login
- ⏱️ Slow claim processing and approval times
- 📋 Excessive documentation requirements for claims
- 🚫 Strict and inconsistent claim denial policies
- 💰 Funds held up pending receipt verification

**Reported bugs**

- App logs out immediately when switching between apps
- Blank screens with no content displaying
- Login credentials not accepted despite correct entry
- Receipt upload encounters undisclosed errors
- Password reset website malfunction

**Requested features**

- Auto-save functionality for receipt uploads
- Ability to save receipts in app for later submission
- Manual scan button for barcode scanner
- Better claim history and tracking visibility
- Faster deposit processing times


### INTRUST Bank

[App page](https://appshunter.io/ios/app/intrust-bank/id1533878437)

Manage your banking accounts conveniently and securely from your mobile device. View transactions, transfer funds, pay bills, deposit checks, and control your debit card. Get support and locate ATMs easily.

**Highlights:** View and manage accounts, Transfer funds between accounts, Pay bills, Deposit checks via mobile, Manage debit card features, Send money with Zelle®, Locate ATMs and banking centers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💻 Easy to use
- 🚀 Convenient features
- 🔒 Secure banking
- 🤝 Good customer service

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔍 Confusing interface
- 📱 Mobile deposit issues
- ⚠️ Unreliable account balances

**Reported bugs**

- Login and sign-in problems
- Delayed transaction notifications
- Inconsistent mobile deposit functionality
- Sync issues between app and online banking

**Requested features**

- Improved mobile deposit process
- Clearer transaction details
- Customizable app layout
- 24/7 in-app support


## Frequently asked questions

### Is Surency Flex free?

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

### Is INTRUST Bank free?

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

### Which has better reviews, Surency Flex or INTRUST Bank?

INTRUST Bank is rated higher. Surency Flex averages 4.3 out of 5 from 640 ratings, while INTRUST Bank averages 4.8 from 8.6K ratings.

### Do Surency Flex or INTRUST Bank have ads?

Neither Surency Flex nor INTRUST Bank shows ads.

### Which is updated more often, Surency Flex or INTRUST Bank?

Surency Flex ships an update every 3 months, and INTRUST Bank monthly. Most recently, Surency Flex was updated on October 24, 2026 and INTRUST Bank on October 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.*