# Surency Flex vs FNBA

The clearest difference is rating: FNBA at 5.0 against Surency Flex's 4.3. FNBA also leads on update cadence (every 8 days vs every 3 months). Surency Flex's advantage is ratings volume (642 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

FNBA holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Surency Flex has 642 ratings behind it against 1, so its average is the more settled of the two.

Surency Flex ships an update every 3 months, FNBA every 8 days. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Surency Flex | FNBA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (642 ratings)](https://appshunter.io/ios/app/surency-flex/id594231327/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/fnba-loans/id6773665301/reviews)** |
| Number of ratings | **642** | 1 |
| Positive reviews | 53.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 8 days** |
| Monetization | Free | Free |
| Size | 32 MB | 31 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Surency Life and Health Insurance Company](https://appshunter.io/developer/594231430) | [First National Bank of America](https://appshunter.io/developer/469088172) |

## 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


### FNBA

[App page](https://appshunter.io/ios/app/fnba-loans/id6773665301)

Manage your FNBA mortgage conveniently with this mobile application. Access your account 24/7 to view balances, monthly statements, and monitor escrow. Enjoy multiple payment options and receive instant payment confirmations.

**Highlights:** 24/7 account access, View balances and statements, Monitor escrow balances, Multiple payment options, Instant payment confirmation

**In-app purchases:** none


## Frequently asked questions

### Is Surency Flex free?

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

### Is FNBA free?

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

### Which has better reviews, Surency Flex or FNBA?

FNBA is rated higher. Surency Flex averages 4.3 out of 5 from 642 ratings, while FNBA averages 5.0 from 1 ratings.

### Do Surency Flex or FNBA have ads?

Neither Surency Flex nor FNBA shows ads.

### Which is updated more often, Surency Flex or FNBA?

Surency Flex ships an update every 3 months, and FNBA every 8 days. Most recently, Surency Flex was updated on November 1, 2026 and FNBA 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.*