# NetBenefits vs Optum Bank

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 (#46 vs unranked). On price, rating, ratings volume and update cadence 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 — 4.6 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.

NetBenefits ships an update every 3 weeks, Optum Bank monthly. Both last shipped on September 24, 2026.

## The numbers

| Metric | NetBenefits | Optum Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (29K ratings)](https://appshunter.io/ios/app/netbenefits/id640179084/reviews) | **[4.7 (55K ratings)](https://appshunter.io/ios/app/optum-bank/id1322690077/reviews)** |
| Number of ratings | 29K | **55K** |
| Positive reviews | **44.5% of reviews** | 25.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Best chart rank | **#46** | — |
| Size | 289 MB | 65 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Fidelity Investments](https://appshunter.io/developer/348177456) | [Optum Inc.](https://appshunter.io/developer/1133706680) |

## What reviewers say

### NetBenefits

[App page](https://appshunter.io/ios/app/netbenefits/id640179084)

**Currently charting:** #46 Top Free · Finance (US App Store)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/optum-bank/id1322690077)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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


## Frequently asked 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 September 24, 2026 and Optum Bank on September 24, 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.*