# Five Points Bank Mobile vs Envelope Budget

The clearest difference is review sentiment: Envelope Budget at 100% against Five Points Bank Mobile's 53%. Envelope Budget also leads on update cadence (every 4 days vs every 3 months) and rating (5.0 vs 4.8). Five Points Bank Mobile's advantage is in-app purchases (none vs 5) and ratings volume (2K vs 4). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Envelope Budget sells 5 in-app purchases, starting at $3.00 per month. Five Points Bank Mobile asks for nothing beyond the download.

Envelope Budget holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Five Points Bank Mobile has 2K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 53% of Five Points Bank Mobile's written reviews are positive against 100% of Envelope Budget's.

Five Points Bank Mobile ships an update every 3 months, Envelope Budget every 4 days. The most recent releases landed on November 13, 2026 and November 12, 2026 respectively.

## The numbers

| Metric | Five Points Bank Mobile | Envelope Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (2K ratings)](https://appshunter.io/ios/app/five-points-bank-mobile/id635040666/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/envelope-budget-paycheck-plan/id6747729124/reviews)** |
| Number of ratings | **2K** | 4 |
| Positive reviews | 53.3% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 101 MB | 50 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Five Points Bank](https://appshunter.io/developer/635040669) | [Red Seam, Inc](https://appshunter.io/developer/1761287292) |

## What reviewers say

### Five Points Bank Mobile

[App page](https://appshunter.io/ios/app/five-points-bank-mobile/id635040666)

Manage your bank accounts on the go with this secure mobile banking app. View balances, transfer funds, pay bills, deposit checks, and send money to friends and family. Locate nearby ATMs easily.

**Highlights:** View account balances and activity, Transfer funds between accounts, Schedule and pay bills, Deposit checks remotely, Send and receive money via Popmoney, Find nearby ATMs

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy mobile deposit
- 👍 Helpful customer service
- 👍 Intuitive and useful app

**What reviewers complain about**

- 🐛 Inaccurate account balances
- 🐛 Zelle issues and delays
- 🐛 Frequent app crashes and downtime

**Reported bugs**

- Blank white screen when opening the app
- Face ID/Touch ID not working
- Randomly going offline

**Requested features**

- Add Zelle functionality to the app
- Allow pasting of passwords for better security
- Make app compatible with all devices, not just phones


### Envelope Budget

[App page](https://appshunter.io/ios/app/envelope-budget-paycheck-plan/id6747729124)

This app helps you manage your money by assigning every dollar a purpose. Track spending, allocate funds for bills and savings, and gain clarity on your financial situation before payday.

**Highlights:** Envelope budgeting system, Paycheck allocation and templates, Transaction categorization, Bank account synchronization, Bills calendar and savings goals, Spending reports, Shared budgeting

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Bank Sync Monthly | $3.00 | per month |
| Monthly Membership | $3.99 | per month |
| Bank Sync Yearly | $30.00 | per year |
| Annual Membership | $39.99 | per year |
| Lifetime Membership | $59.99 | one-time |


## Frequently asked questions

### Is Five Points Bank Mobile free?

Five Points Bank Mobile is free to download, with no in-app purchases.

### Is Envelope Budget free?

Envelope Budget is free to download, with in-app purchases available.

### Which has better reviews, Five Points Bank Mobile or Envelope Budget?

Envelope Budget is rated higher. Five Points Bank Mobile averages 4.8 out of 5 from 2K ratings, while Envelope Budget averages 5.0 from 4 ratings.

### Do Five Points Bank Mobile or Envelope Budget have ads?

Neither Five Points Bank Mobile nor Envelope Budget shows ads.

### Which is updated more often, Five Points Bank Mobile or Envelope Budget?

Five Points Bank Mobile ships an update every 3 months, and Envelope Budget every 4 days. Most recently, Five Points Bank Mobile was updated on November 13, 2026 and Envelope Budget on November 12, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*