# betterstate vs BNC 401(k)

The clearest difference is rating: betterstate at 4.7 against BNC 401(k)'s 1.0. betterstate also leads on ratings volume (124 vs 2). BNC 401(k)'s advantage is monetization model (free vs ad-supported). On price, update cadence, 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.

betterstate holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: betterstate has 124 ratings behind it against 2, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 24, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | betterstate | BNC 401(k) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (124 ratings)](https://appshunter.io/ios/app/betterstate/id6736919814/reviews)** | [1.0 (2 ratings)](https://appshunter.io/ios/app/bnc-401k/id6754701031/reviews) |
| Number of ratings | **124** | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Ad-supported | **Free** |
| Size | 200 MB | 34 MB |
| Requires iOS | 18.4 | **17.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Union State Bank of Hazen](https://appshunter.io/developer/1140523078) | [Schwab Retirement Technologies Inc.](https://appshunter.io/developer/1558174243) |

## What reviewers say

### betterstate

[App page](https://appshunter.io/ios/app/betterstate/id6736919814)

Manage your money with this secure financial tool. Set up balance alerts, make payments, transfer funds, and deposit checks by photo. Access monthly statements and locate nearby branches or ATMs.

**Highlights:** Balance alerts, Make payments, Transfer money, Mobile check deposit, View statements, Find branches/ATMs

**Features:** Apple Wallet

**In-app purchases:** none


### BNC 401(k)

[App page](https://appshunter.io/ios/app/bnc-401k/id6754701031)

Manage your retirement savings on the go with this mobile banking app. Securely access your account, track investments, and plan for your future with educational resources and income forecasts.

**Highlights:** Biometric login, Check balances and transactions, Update investment elections, Secure document upload, Retirement income forecast, Educational videos, Research investment performance

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is betterstate free?

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

### Is BNC 401(k) free?

BNC 401(k) is free to download, with no in-app purchases.

### Which has better reviews, betterstate or BNC 401(k)?

betterstate is rated higher. betterstate averages 4.7 out of 5 from 124 ratings, while BNC 401(k) averages 1.0 from 2 ratings.

### Do betterstate or BNC 401(k) have ads?

Neither betterstate nor BNC 401(k) shows ads.

### Which is updated more often, betterstate or BNC 401(k)?

betterstate ships an update monthly, and BNC 401(k) monthly. Most recently, betterstate was updated on October 24, 2026 and BNC 401(k) on October 16, 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.*