# AFmobile® vs PNC BeneFit Plus

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

AFmobile® ships an update every 6 weeks, PNC BeneFit Plus every 3 months. The most recent releases landed on September 27, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | AFmobile® | PNC BeneFit Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (83K ratings)](https://appshunter.io/ios/app/afmobile/id642876991/reviews)** | [4.4 (795 ratings)](https://appshunter.io/ios/app/pnc-benefit-plus/id1043673090/reviews) |
| Number of ratings | **83K** | 795 |
| Positive reviews | **84.6% of reviews** | 64.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 70 MB | 33 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [American Fidelity Assurance Company](https://appshunter.io/developer/642876994) | [PNC Bank, N.A.](https://appshunter.io/developer/303113130) |

## What reviewers say

### AFmobile®

[App page](https://appshunter.io/ios/app/afmobile/id642876991)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/pnc-benefit-plus/id1043673090)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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 27, 2026 and PNC BeneFit Plus on September 26, 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.*