Comparison

NetBenefits vs Optum Bank

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

Head to head
About

NetBenefits

Manage your Fidelity workplace benefits, including retirement savings, stock options, health insurance, and HSAs. Track account balances, investments, and expenses. Plan for your future with personalized tools and educational resources.

Highlights
  • Manage retirement savings
  • Access stock options
  • View health insurance details
  • Track HSA expenses
  • Personalize financial planning
  • Change contributions and investments
  • Access educational resources
Features
Currently charting
Read full description

Download the Fidelity NetBenefits® app to easily manage your employee benefits—securely, all in one place. From your 401(k) and retirement savings to health insurance, Health Savings Accounts (HSAs), and stock plans, you can monitor, get notifications
and take action anywhere, anytime. Employee retirement and savings • View balances and investments for your 401(k) at Fidelity, 403(b), and other retirement accounts • Review performance and track progress toward your retirement savings goals • Plan with confidence using articles, tools and videos to support your financial well being Health and benefits • Manage HSA expenses and investments • Quickly find health plan details, including: • Covered family members • Provider phone numbers • Group numbers • Enroll in health insurance during annual enrollment Take action • Change contributions and investments across eligible 401(k), 403(b), and HSA accounts • Move money or take a loan • Send documents and rollover checks using your phone’s camera Stay informed and secure • Get personalized, timely reminders about important account actions • Protect your information with advanced security features, including: • Customer verification • Biometrics Share feedback Tell us what you think. Love our app? Let us know. Can’t find something? Let us help you find what you’re looking for.
 Additional information The NetBenefits® smartphone app is available to individuals who have one or more workplace benefits provided by Fidelity Investments.
 Looking for help with accounts beyond your employee savings and benefits? Check out our companion Fidelity Investments app to explore more ways to save, invest and trade. NetBenefits and the NetBenefits design logo are registered service marks of FMR LLC. The images below are for illustrative purposes only.
 Fidelity Investments Privacy Policy: https://nb.fidelity.com/public/nb/default/resourceslibrary/articles/privacypolicy

About

Optum Bank

Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

Highlights
  • Track account balances
  • Understand eligible expenses
  • Pay for health costs
  • Submit claims for reimbursement
  • Store health care receipts
  • View account transactions
Features
Read full description

The Optum Bank app helps you get more out of your health account benefits. You’ll get clear tips on stretching every dollar. Plus, we’ll help you understand how to make your health savings account, flexible spending account or other spending accounts work harder for you. WITH THE APP UPDATE, YOU CAN NOW EASILY: Keep track of all your account balances Unlock more ways to use your health account dollars Use your account to pay for health costs Find answers if you have questions Store your health care receipts all in one place Understand what may qualify as an eligible health expense VIEW YOUR HEALTH ACCOUNTS FROM ANYWHERE See your health account balances and contributions and view health spending and saving transactions all in one place. DID SOMEONE SAY SHOPPING? YES, WE DID. Get more out of your health dollars and understand what health costs are eligible (think allergy meds, acupuncture and thousands more). Then shop and pay with your Optum card or digital wallet. PAY BILLS, PAY EASILY, PAY YOURSELF Pay for health-related expenses, check and submit claims for reimbursement and easily capture receipts, all with a few taps. AND IF YOU HAVE QUESTIONS, WE HAVE ANSWERS Easily find out what you need or type away and send us an email. ACCESS INSTRUCTIONS: You will need to have an Optum Bank health account to use this app. Please visit optumbank.com if you’re an Optum Bank customer and need to update your account credentials. ABOUT OPTUM BANK: Optum Bank is advancing care, connecting the worlds of health and finance in ways that no one else can. Optum Bank is a leading health accounts administrator with over $19.8B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Bank helps reduce costs while helping people make better health decisions — creating a better health care experience for our customers.

Screenshots

NetBenefits4 screens
Optum Bank4 screens

Verdict

The call

NetBenefits and Optum Bank both sit at 4.6 stars, but that hides the real split: 44% of NetBenefits's written reviews are positive against 26% of Optum Bank's. NetBenefits also leads on chart position (#51 vs unranked). On price, rating, ratings volume and update cadence 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 — 4.6 for NetBenefits against 4.7 for Optum Bank. Both are backed by a comparable volume of ratings — 29K and 55K respectively. Written reviews are what separate them: 44% of NetBenefits's written reviews are positive against 26% of Optum Bank's.

UpkeepUpdate frequency

NetBenefits ships an update every 3 weeks, Optum Bank monthly. Both last shipped on October 31, 2026.

Scorecard2 real differences · 9 level
NetBenefits versus Optum Bank: the parameters behind the verdict, then further details
ParameterNetBenefitsOptum Bank
PriceFreeFree
Rating4.6 (29K ratings)4.7 (55K ratings) — better
Positive reviews44.4% of reviews — better25.6% of reviews
Number of ratings29K55K — better
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#51 — better—
DevicesiPhone, iPad — betteriPhone
Requires iOS17.016.0 — better
Further details — not scored
Size280 MB66 MB
Age rating4+4+
DeveloperFidelity InvestmentsOptum Inc.

Customer experience

NetBenefits

All ratings29,146 ratings
Positive92.2%
Neutral1.6%
Negative6.2%
Written reviews558 reviews
Positive44.4%
Neutral4.5%
Negative51.1%

Optum Bank

All ratings54,625 ratings
Positive94.8%
Neutral2.5%
Negative2.7%
Written reviews242 reviews
Positive25.6%
Neutral6.2%
Negative68.2%

User reviews

NetBenefits

From 29K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient mobile access
  • 🔒 Secure document upload
  • 💡 Helpful retirement planning tools

Room to improve

  • 🐛 Buggy and glitchy
  • 🕸️ Feels like a mobile website, not a true app
  • 🤔 Confusing navigation and user experience
  • ⏱️ Slow performance and long load times

Optum Bank

From 55K App Store ratings

What we love

  • 🚀 Convenient and streamlined
  • 👍 Easy to check balance and manage contributions
  • 💡 Allows digital card in Apple Wallet

Room to improve

  • 🐛 Frequent login issues and app crashes
  • 🔍 Limited functionality compared to website
  • 🤔 Inconsistent user experience between app and website
  • 🤯 Poor technical support and communication

Bugs and requests

NetBenefits

Reported bugs

4 issues
  • Face ID/Touch ID not working after updates
  • Inability to enter check amounts for rollover
  • Frequent crashes and system errors
  • Inconsistent behavior across iOS versions

Requested features

4 requests
  • Improve mobile optimization and responsiveness
  • Integrate all website features directly into the app
  • Add more detailed account and investment tracking
  • Streamline document upload and rollover processes

Optum Bank

Reported bugs

4 issues
  • App crashes when submitting reimbursement claims
  • Receipts not displaying properly or disappearing
  • Investment transfer functionality not working
  • Slow performance and loading times

Requested features

4 requests
  • Batch claim processing for pharmacy receipts
  • Ability to associate receipts with past claims
  • Improved receipt management and submission flow
  • Consistent data and functionality between app and website

In-app purchases

None

NetBenefits

No in-app purchases

None

Optum Bank

No in-app purchases

Questions

Is NetBenefits free?
NetBenefits is free to download, with no in-app purchases.
Is Optum Bank free?
Optum Bank is free to download, with no in-app purchases.
Which has better reviews, NetBenefits or Optum Bank?
Optum Bank is rated higher. NetBenefits averages 4.6 out of 5 from 29K ratings, while Optum Bank averages 4.7 from 55K ratings.
Do NetBenefits or Optum Bank have ads?
Neither NetBenefits nor Optum Bank shows ads.
Which is updated more often, NetBenefits or Optum Bank?
NetBenefits ships an update every 3 weeks, and Optum Bank monthly. Most recently, NetBenefits was updated on October 31, 2026 and Optum Bank on October 31, 2026.

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