Comparison

Surency Flex vs Meritrust Mobile

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

Head to head
About

Surency Flex

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
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgot username/password • Report a debit card as lost or stolen Powered by WEX Health®

About

Meritrust Mobile

Manage your finances on the go with this mobile banking app. Easily view account details, make payments, transfer funds, and deposit checks securely. Locate branches and ATMs for convenient access to your money anytime, anywhere.

Highlights
  • View account balances and transaction history
  • Pay bills
  • Transfer funds between accounts
  • Deposit checks
  • Locate branches or ATMs
Read full description

Meritrust is dedicated to improving your life through our mobile banking experience. Stay connected to your money anytime, anywhere with Meritrust Mobile. Experience the convenience and security that comes with an app that puts your financial needs first. We’re making it easier for you to make payments, monitor your accounts, deposit checks and more. FEATURES: · View your account balances and transaction history · Pay bills · Transfer funds between your accounts · Deposit checks · Locate a Meritrust branch or ATM. To enroll in mobile banking, you must be a member of Meritrust Credit Union. Data rates may apply from your wireless carrier. Federally insured by NCUA. To learn how we protect your privacy, please visit https://www.meritrust.org/site/privacy-policy/online-user-privacy-policy

Screenshots

Surency Flex4 screens
Meritrust Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: Surency Flex at 53% against Meritrust Mobile's 16%. Meritrust Mobile's advantage is rating (4.6 vs 4.3) and ratings volume (7.5K vs 617). On price, update cadence, 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

Meritrust Mobile holds the better App Store score, 4.6 against 4.3. That said, the two scores are not equally well evidenced: Meritrust Mobile has 7.5K ratings behind it against 617, so its average is the more settled of the two. Written reviews complicate that: 53% of Surency Flex's written reviews are positive against 16% of Meritrust Mobile's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Surency Flex ships an update every 3 months, Meritrust Mobile every 2 months. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
Surency Flex versus Meritrust Mobile: the parameters behind the verdict, then further details
ParameterSurency FlexMeritrust Mobile
PriceFreeFree
Rating4.3 (617 ratings)4.6 (7.5K ratings) — better
Positive reviews53.1% of reviews — better16.0% of reviews
Number of ratings6177.5K — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size30 MB18 MB
Age rating17+4+
DeveloperSurency Life and Health Insurance CompanyMeritrust Credit Union

Customer experience

Surency Flex

All ratings617 ratings
Positive82.5%
Neutral1.6%
Negative15.9%
Written reviews96 reviews
Positive53.1%
Neutral4.2%
Negative42.7%

Meritrust Mobile

All ratings7,479 ratings
Positive89.8%
Neutral3.0%
Negative7.2%
Written reviews125 reviews
Positive16.0%
Neutral9.6%
Negative74.4%

User reviews

Surency Flex

From 617 App Store ratings

What we love

  • 👍 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

Room to improve

  • 🐛 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

Meritrust Mobile

From 7.5K App Store ratings

What we love

  • 🙂 Kind and helpful staff
  • 👍 Accessible for visually impaired users
  • 💡 Customizable app layout

Room to improve

  • 🐛 Frequent crashes and bugs
  • ⏱️ Slow loading times
  • 🤔 Confusing and outdated user interface
  • 🔍 Lack of important features from previous app
  • 🤯 Forced migration to new app with poor user experience

Bugs and requests

Surency Flex

Reported bugs

9 issues
  • 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
Show 4 more
  • Automatic password resets and multiple authentication requests
  • Barcode scanner fails to recognize all barcodes
  • Camera upload only accepts live photos, not saved images
  • Incorrect fund deduction from wrong plan year

Requested features

9 requests
  • 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
Show 4 more
  • Simplified documentation requirements
  • Clearer denial explanations and reasons
  • 24/7 customer support availability
  • Improved password reset functionality

Meritrust Mobile

Reported bugs

3 issues
  • Scheduled payments not processing correctly
  • Incorrect account balance information
  • Login issues and inability to access accounts

Requested features

3 requests
  • Bring back quick balance widget
  • Improve transaction search and filtering
  • Add support for landscape mode on tablets

In-app purchases

None

Surency Flex

No in-app purchases

None

Meritrust Mobile

No in-app purchases

Questions

Is Surency Flex free?
Surency Flex is free to download, with no in-app purchases.
Is Meritrust Mobile free?
Meritrust Mobile is free to download, with no in-app purchases.
Which has better reviews, Surency Flex or Meritrust Mobile?
Meritrust Mobile is rated higher. Surency Flex averages 4.3 out of 5 from 617 ratings, while Meritrust Mobile averages 4.6 from 7.5K ratings.
Do Surency Flex or Meritrust Mobile have ads?
Neither Surency Flex nor Meritrust Mobile shows ads.
Which is updated more often, Surency Flex or Meritrust Mobile?
Surency Flex ships an update every 3 months, and Meritrust Mobile every 2 months. Most recently, Surency Flex was updated on September 25, 2026 and Meritrust Mobile on September 24, 2026.

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