Comparison

Surency Flex vs Equity Bank

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

Equity Bank

Manage your finances from one secure app. Monitor balances, pay bills, transfer funds, deposit checks, and track spending. Access financial tools and security features for a comprehensive banking experience.

Highlights
  • Account balance and activity monitoring
  • Bill payment and recurring payments
  • Fund transfers between accounts
  • Mobile check deposit
  • Budget planning and spending tracking
  • Virtual assistant and customer support
  • Security features like Face ID and custom notifications
Read full description

All your banking information in one secure, convenient location. Monitor your balance, pay upcoming bills, create a budget, and more! MANAGE YOUR ACCOUNTS ·Review activity and balances ·View credit card transactions ·Open new accounts ·Monitor your existing accounts with other financial institutions when you link them to Equity Bank’s mobile app ·Access statements at anytime INSTANT TRANSFERS ·Transfer funds between Equity Bank accounts and to other financial institutions ·Pay your bills instantly or set up recurring payments for monthly bills ·Add your eligible cards to Apple Wallet® to use Apply Pay® for one-touch shopping ·Update direct deposits quickly and securely within Mobile Banking with SWITCH2Equity powered by Click Switch MOBILE CHECK DEPOSIT ·Deposit checks by taking a picture ·See the deposit process in your account in real time1 ·Reorder custom checks in-app CONTACT US ·Ask Equity Bank’s virtual assistant for help accessing info about your accounts or answering questions 24/7 ·Contact customer care team ·Find an Equity Bank location near you SECURITY FEATURES ·Set up Face ID® or update your account password ·Set custom notifications so you’re alerted when a transaction happens ·Update contact information ·Free Credit Score reporting to monitor and improve your credit score with SavvyMoney® FINANCIAL TOOLS ·Plan and set long-term goals with custom budget planning ·Watch your income, spending, and card usage to save for the future For full terms and conditions, please go to www.equitybank.com/digital-banking-terms-of-use. Mobile carrier message and data rates may apply. 1Deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. iPhone, iPad, Touch ID and Face ID are registered trademark of Apple®, Inc. SavvyMoney® is a registered trademark of SavvyMoney, Inc. Apple Devices - OS version 15.x + (Latest version is 18.1) For Apple Devices, this can be found by going to Settings > General > About > OS version will be listed.

Screenshots

Surency Flex4 screens
Equity Bank4 screens

Verdict

The call

Surency Flex and Equity Bank both sit at 4.3 stars, but that hides the real split: 82% of Equity Bank's written reviews are positive against 53% of Surency Flex's. Equity Bank also leads on ratings volume (3.4K vs 642). Surency Flex's advantage is monetization model (free vs free with in-app purchases). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 4.3 for Surency Flex against 4.4 for Equity Bank. That said, the two scores are not equally well evidenced: Equity Bank has 3.4K ratings behind it against 642, so its average is the more settled of the two. Written reviews are what separate them: 53% of Surency Flex's written reviews are positive against 82% of Equity Bank's.

UpkeepUpdate frequency

Surency Flex ships an update every 3 months, Equity Bank every 4 months. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.

Scorecard3 real differences · 7 level
Surency Flex versus Equity Bank: the parameters behind the verdict, then further details
ParameterSurency FlexEquity Bank
PriceFreeFree
Rating4.3 (642 ratings)4.4 (3.4K ratings) — better
Positive reviews53.1% of reviews81.9% of reviews — better
Number of ratings6423.4K — better
Update frequencyEvery 3 months — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.016.0 — better
Further details — not scored
Size32 MB65 MB
Age rating17+4+
DeveloperSurency Life and Health Insurance CompanyEquity Bank

Customer experience

Surency Flex

All ratings640 ratings
Positive82.0%
Neutral1.9%
Negative16.1%
Written reviews96 reviews
Positive53.1%
Neutral4.2%
Negative42.7%

Equity Bank

All ratings3,193 ratings
Positive85.0%
Neutral3.4%
Negative11.7%
Written reviews392 reviews
Positive81.9%
Neutral5.1%
Negative13.0%

User reviews

Surency Flex

From 642 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

Equity Bank

From 3.4K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient and efficient
  • 🔒 Secure banking
  • 💡 Useful features (e.g. mobile deposits, budgeting tools)

Room to improve

  • 🐛 Frequent crashes or glitches
  • 🔄 Slow or inconsistent performance
  • 💤 Outdated or cluttered interface
  • 🔒 Overly complicated security measures

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

Equity Bank

Reported bugs

3 issues
  • Login issues (e.g. Face ID not working, password resets)
  • Incorrect account balances or transaction details
  • Mobile deposit failures

Requested features

4 requests
  • Ability to export transactions
  • Faster transaction updates
  • More customizable budgeting and categorization
  • Improved mobile deposit process

In-app purchases

None

Surency Flex

No in-app purchases

None

Equity Bank

No in-app purchases

Questions

Is Surency Flex free?
Surency Flex is free to download, with no in-app purchases.
Is Equity Bank free?
Equity Bank is free to download, with no in-app purchases.
Which has better reviews, Surency Flex or Equity Bank?
Equity Bank is rated higher. Surency Flex averages 4.3 out of 5 from 642 ratings, while Equity Bank averages 4.4 from 3.4K ratings.
Do Surency Flex or Equity Bank have ads?
Neither Surency Flex nor Equity Bank shows ads.
Which is updated more often, Surency Flex or Equity Bank?
Surency Flex ships an update every 3 months, and Equity Bank every 4 months. Most recently, Surency Flex was updated on November 1, 2026 and Equity Bank on November 6, 2026.

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