# SBMC Mobile vs BCC My SmartCare

The clearest difference is review sentiment: SBMC Mobile at 68% against BCC My SmartCare's 31%. SBMC Mobile also leads on rating (4.7 vs 4.5) and update cadence (every 6 weeks vs every 3 months). BCC My SmartCare's advantage is monetization model (ad-supported vs free with in-app purchases). On price, ratings volume, 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.

SBMC Mobile holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 1.4K and 668 respectively. Written reviews point the same way: 68% of SBMC Mobile's written reviews are positive against 31% of BCC My SmartCare's.

SBMC Mobile ships an update every 6 weeks, BCC My SmartCare every 3 months. Both last shipped on November 1, 2026.

## The numbers

| Metric | SBMC Mobile | BCC My SmartCare |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.4K ratings)](https://appshunter.io/ios/app/sbmc-mobile/id640274006/reviews)** | [4.5 (668 ratings)](https://appshunter.io/ios/app/bcc-my-smartcare/id808454889/reviews) |
| Number of ratings | **1.4K** | 668 |
| Positive reviews | **67.6% of reviews** | 31.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 199 MB | 31 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Savings Bank of Mendocino County](https://appshunter.io/developer/640274029) | [Benefit Coordinators Corporation](https://appshunter.io/developer/808454892) |

## What reviewers say

### SBMC Mobile

[App page](https://appshunter.io/ios/app/sbmc-mobile/id640274006)

Manage your finances on the go with this mobile banking application. Check balances, transfer funds, pay bills, and deposit checks using your device's camera. Locate nearby branches and ATMs with ease.

**Highlights:** Check account balances, Search recent transactions, Transfer funds between accounts, Pay bills and view payment history, Deposit checks via camera, Find branches and ATMs, Secure sign-on with Touch ID/Face ID

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and easy to use
- 🚀 Fast and accurate mobile deposit
- 💡 Excellent customer service

**What reviewers complain about**

- 🐛 Frequent crashes and glitches
- 🔒 Removal of biometric sign-in
- 🔍 Difficult to read interface

**Reported bugs**

- App not working on certain devices
- Mobile deposit issues with new update
- Frequent need to delete and reload app

**Requested features**

- Connect to Apple Wallet
- Improve mobile deposit process
- Enhance accessibility with better color contrast


### BCC My SmartCare

[App page](https://appshunter.io/ios/app/bcc-my-smartcare/id808454889)

Manage your Flexible Spending Account securely from your mobile device. Access account balances, plan details, and recent transactions. Submit claims and substantiation materials on the go.

**Highlights:** Secure account access, View account balances, Access plan details, Review recent transactions, Submit claims, Submit substantiation materials

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use/understand
- 🚀 Fast pay
- 👍 Great app
- 👍 Convenient
- 👍 Helpful and informative

**What reviewers complain about**

- 🐛 App is archaic and outdated
- 🐛 Login is terrible
- 🐛 Pages won't load for transfers/investments
- 🐛 Requires calling customer service frequently
- 🐛 Claims are immediately denied

**Reported bugs**

- Login screen freezes
- App crashes after entering username
- App closes after entering username and selecting log in
- Won't connect to server
- Crashes when trying to add photo for claims

**Requested features**

- Allow contact through the app
- Improve navigation and ease of use
- Integrate with other apps for receipt attachment (Dropbox, Box, Evernote)
- Allow saving passwords or using Touch ID
- Allow viewing all claims like the full website


## Frequently asked questions

### Is SBMC Mobile free?

SBMC Mobile is free to download, with no in-app purchases.

### Is BCC My SmartCare free?

BCC My SmartCare is free to download, with no in-app purchases.

### Which has better reviews, SBMC Mobile or BCC My SmartCare?

SBMC Mobile is rated higher. SBMC Mobile averages 4.7 out of 5 from 1.4K ratings, while BCC My SmartCare averages 4.5 from 668 ratings.

### Do SBMC Mobile or BCC My SmartCare have ads?

Neither SBMC Mobile nor BCC My SmartCare shows ads.

### Which is updated more often, SBMC Mobile or BCC My SmartCare?

SBMC Mobile ships an update every 6 weeks, and BCC My SmartCare every 3 months. Most recently, SBMC Mobile was updated on November 1, 2026 and BCC My SmartCare on November 1, 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.*