# Frost Bank vs Xpectations!® Plus

Frost Bank and Xpectations!® Plus both sit at 4.9 stars, but that hides the real split: 73% of Frost Bank's written reviews are positive against 43% of Xpectations!® Plus's. Frost Bank also leads on monetization model (free vs free with in-app purchases) and ratings volume (77K vs 4.4K). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.9 for Frost Bank against 4.8 for Xpectations!® Plus. That said, the two scores are not equally well evidenced: Frost Bank has 77K ratings behind it against 4.4K, so its average is the more settled of the two. Written reviews are what separate them: 73% of Frost Bank's written reviews are positive against 43% of Xpectations!® Plus's.

Frost Bank ships an update every 2 weeks, Xpectations!® Plus monthly. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Frost Bank | Xpectations!® Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (77K ratings)](https://appshunter.io/ios/app/frost-bank/id605494138/reviews)** | [4.8 (4.4K ratings)](https://appshunter.io/ios/app/xpectations-plus/id6446093644/reviews) |
| Number of ratings | **77K** | 4.4K |
| Positive reviews | **73.4% of reviews** | 43.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 279 MB | 276 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Frost Bank](https://appshunter.io/developer/605494141) | [Green Dot Corporation](https://appshunter.io/developer/437092811) |

## What reviewers say

### Frost Bank

[App page](https://appshunter.io/ios/app/frost-bank/id605494138)

Manage your finances with a user-friendly mobile banking app. Open accounts, send money instantly, and deposit checks remotely. Securely link external accounts and access personal banking support 24/7.

**Highlights:** Open and fund accounts, Send money via mobile number or email, Mobile check deposit, Biometric login (PIN/fingerprint), Link external financial accounts, 24/7 personal banking support, Apple Watch integration

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent customer service
- 🚀 Convenient mobile banking
- 💳 Early paycheck availability
- 🤝 Personalized banking experience
- 🏦 Reliable and trustworthy bank

**What reviewers complain about**

- 🐛 Inconsistent mobile deposit functionality
- ⏱️ Slow transaction updates in the app
- 🔒 Lack of security features (e.g., no password pasting)
- 🕰️ Frequent app maintenance and downtime

**Reported bugs**

- App crashes after recent update
- Login issues due to 'slow network' error
- Inconsistent mobile deposit success rate

**Requested features**

- Automatic round-up savings feature
- Budgeting and expense tracking tools
- Seamless integration with password managers
- Real-time transaction updates


### Xpectations!® Plus

[App page](https://appshunter.io/ios/app/xpectations-plus/id6446093644)

Manage your money with a mobile debit account offering enhanced protection and low fees. Access account features, get early direct deposits, and enjoy a free ATM network. Secure your funds by locking your card and receiving fraud alerts.

**Highlights:** No monthly fees with direct deposit, Early direct deposit access, Overdraft protection, Free nationwide ATM network, Send and receive money, Lock/unlock card feature, Fraud text alerts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient banking
- 🕊️ Life-changing service
- 💯 Exceptional product

**What reviewers complain about**

- 🚫 False charges
- 🙅‍♀️ Rude customer service
- 🔒 Trouble logging in

**Reported bugs**

- Inability to add to Cash App
- Notification issues

**Requested features**

- Spanish language option
- Improved integration with other apps


## Frequently asked questions

### Is Frost Bank free?

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

### Is Xpectations!® Plus free?

Xpectations!® Plus is free to download, with no in-app purchases.

### Which has better reviews, Frost Bank or Xpectations!® Plus?

Frost Bank is rated higher. Frost Bank averages 4.9 out of 5 from 77K ratings, while Xpectations!® Plus averages 4.8 from 4.4K ratings.

### Do Frost Bank or Xpectations!® Plus have ads?

Neither Frost Bank nor Xpectations!® Plus shows ads.

### Which is updated more often, Frost Bank or Xpectations!® Plus?

Frost Bank ships an update every 2 weeks, and Xpectations!® Plus monthly. Most recently, Frost Bank was updated on October 27, 2026 and Xpectations!® Plus 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.*