Comparison

AFmobile® vs PNC BeneFit Plus

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

Head to head
About

AFmobile®

Manage your American Fidelity reimbursement accounts, insurance benefits, and annuities. File and track claims, view policy details, and access account balances. Prepare for enrollment by calculating savings and learning about available benefits.

Highlights
  • File and track claims
  • View policy coverage
  • Access EOBs
  • Check account balance
  • Store receipt images
  • Calculate pre-tax savings
  • Manage personal information
Features
Read full description

AFmobile® Access your American Fidelity reimbursement account(s), insurance benefits, annuities, and enrollment information with AFmobile®. Manage your benefits: File and track claims View policy to see what’s covered Access electronic EOBs Connect to your reimbursement account funds: File claims and check account balance See recent Benefits Debit Card transactions and details Store receipts or other documentation images Stay close to your account: Elect text and email notifications Manage personal information Enroll in direct deposit AFmobile is a great tool when preparing for your enrollment. The app allows you to: Calculate pre-tax savings, Determine how much to contribute to your FSA, and Learn about the importance of benefits and which options are available to you. Your account balance may not reflect recent pending Benefits Debit Card transactions. There is no charge to use AFmobile. Message and data rates may apply. For support with AFmobile, please email us at https://americanfidelity.com/mobile/forms/app-feedback/.

About

PNC BeneFit Plus

Manage your health benefit accounts like HSA, HRA, and FSA on the go. Quickly check balances, view claims, and file reimbursements with secure, real-time access to your account details.

Highlights
  • Check account balances
  • View account details and charts
  • File claims for FSA and HRA
  • Submit receipts via photo
  • Manage HSA transactions
  • Pay bills and add payees
  • Report lost/stolen debit card
Features
Read full description

PNC BeneFit Plus Mobile for Apple Devices¹ Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply log in to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device • Your device will present you with a prompt to allow your location to be accessed; accepting the prompt will help minimize the request for additional security questions upon log in Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen *This is not the PNC Mobile Banking app, which allows you to access your bank and brokerage accounts. For questions or support, call or email the PNC BeneFit Plus Customer Service Center at 844-356-9993 or pncbenefitplus@healthaccountservices.com No personal or sensitive data is stored on the PNC BeneFit Plus mobile app. ¹ PNC does not charge for the PNC BeneFit Plus Mobile App. However, a supported mobile device is needed. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Apple®, iPod touch® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone® is a registered trademark of Apple Inc. PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”). Banking and lending products and services, bank deposit products and treasury management services for clients and/or customers are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ©2018 The PNC Financial Services Group, Inc. All rights reserved.

Screenshots

AFmobile®4 screens
PNC BeneFit Plus4 screens

Verdict

The call

The clearest difference is rating: AFmobile® at 4.8 against PNC BeneFit Plus's 4.4. AFmobile® also leads on ratings volume (83K vs 795) and review sentiment (85% vs 64%). PNC BeneFit Plus's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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

AFmobile® holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: AFmobile® has 83K ratings behind it against 795, so its average is the more settled of the two. Written reviews point the same way: 85% of AFmobile®'s written reviews are positive against 64% of PNC BeneFit Plus's.

UpkeepUpdate frequency

AFmobile® ships an update every 6 weeks, PNC BeneFit Plus every 3 months. Both last shipped on September 26, 2026.

Scorecard5 real differences · 5 level
AFmobile® versus PNC BeneFit Plus: the parameters behind the verdict, then further details
ParameterAFmobile®PNC BeneFit Plus
PriceFreeFree
Rating4.8 (83K ratings) — better4.4 (795 ratings)
Positive reviews84.6% of reviews — better64.1% of reviews
Number of ratings83K — better795
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size70 MB33 MB
Age rating4+17+
DeveloperAmerican Fidelity Assurance CompanyPNC Bank, N.A.

Customer experience

AFmobile®

All ratings83,317 ratings
Positive97.8%
Neutral1.6%
Negative0.6%
Written reviews488 reviews
Positive84.6%
Neutral2.5%
Negative12.9%

PNC BeneFit Plus

All ratings795 ratings
Positive84.5%
Neutral1.8%
Negative13.7%
Written reviews128 reviews
Positive64.1%
Neutral7.0%
Negative28.9%

User reviews

AFmobile®

From 83K App Store ratings

What we love

  • 🚀 Easy to file claims
  • 👍 User-friendly app
  • 💯 Excellent customer service
  • ⚡️ Fast claim processing
  • 🙌 Convenient mobile options

Room to improve

  • 🐛 Buggy app experience
  • 🤔 Confusing claim submission process
  • ⏱️ Slow response times
  • 🤷‍♀️ Inconsistent information from representatives
  • 📁 Issues with uploading/submitting documents

PNC BeneFit Plus

From 795 App Store ratings

What we love

  • 🚀 Quick and easy to use
  • 👍 User-friendly interface
  • 💡 Convenient for managing HSA
  • 🚀 Straightforward reimbursement process
  • 👍 Helpful for tracking expenses

Room to improve

  • 🐛 Login issues, inconsistent biometric authentication
  • 🐛 Slow and buggy app performance
  • 🔒 Concerns about security and account access
  • 🔍 Difficulties with claims and reimbursement approvals

Bugs and requests

AFmobile®

Reported bugs

4 issues
  • App crashing or freezing
  • Incorrect claim information displayed
  • Submitted claims disappearing or not processing
  • Inability to upload all required documents

Requested features

5 requests
  • Allow pasting of information into form fields
  • Improve calendar/date selection functionality
  • Provide more transparency on claim status
  • Add ability to view previously submitted documents
  • Streamline the wellness/cancer claim submission process

PNC BeneFit Plus

Reported bugs

3 issues
  • App crashes and freezes
  • Login credentials not saved properly
  • Debit card issues and declined payments

Requested features

3 requests
  • Ability to itemize payments to payees
  • Option to upload receipts immediately after charges
  • Improved investment tracking and management

In-app purchases

None

AFmobile®

No in-app purchases

None

PNC BeneFit Plus

No in-app purchases

Questions

Is AFmobile® free?
AFmobile® is free to download, with no in-app purchases.
Is PNC BeneFit Plus free?
PNC BeneFit Plus is free to download, with no in-app purchases.
Which has better reviews, AFmobile® or PNC BeneFit Plus?
AFmobile® is rated higher. AFmobile® averages 4.8 out of 5 from 83K ratings, while PNC BeneFit Plus averages 4.4 from 795 ratings.
Do AFmobile® or PNC BeneFit Plus have ads?
Neither AFmobile® nor PNC BeneFit Plus shows ads.
Which is updated more often, AFmobile® or PNC BeneFit Plus?
AFmobile® ships an update every 6 weeks, and PNC BeneFit Plus every 3 months. Most recently, AFmobile® was updated on September 26, 2026 and PNC BeneFit Plus on September 26, 2026.

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