# PBS Benny vs Centivo

The clearest difference is rating: Centivo at 3.7 against PBS Benny's 2.3. Centivo also leads on review sentiment (52% vs 20%) and ratings volume (58 vs 4). 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.

Centivo holds the better App Store score, 3.7 against 2.3. That said, the two scores are not equally well evidenced: Centivo has 58 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 20% of PBS Benny's written reviews are positive against 52% of Centivo's.

PBS Benny ships an update every 4 months, Centivo every 3 months. The most recent releases landed on September 19, 2026 and August 20, 2026 respectively.

## The numbers

| Metric | PBS Benny | Centivo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (4 ratings)](https://appshunter.io/ios/app/pbs-benny/id722500407/reviews) | **[3.7 (58 ratings)](https://appshunter.io/ios/app/centivo/id1445594850/reviews)** |
| Number of ratings | 4 | **58** |
| Positive reviews | 20.0% of reviews | **52.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 30 MB | 20 MB |
| Requires iOS | 17.0 | **11.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 12+ |
| Developer | [Progressive Benefit Solutions](https://appshunter.io/developer/722500410) | [Centivo](https://appshunter.io/developer/1445594849) |

## What reviewers say

### PBS Benny

[App page](https://appshunter.io/ios/app/pbs-benny/id722500407)

Easily manage your HSA, HRA, and FSA health benefit accounts on the go. Quickly check balances, view claims, and submit receipts securely. The app provides real-time access to your account information and offers time-saving features like filing claims and paying bills.

**Highlights:** Check account balances 24/7, View account summaries and claims, Submit receipts via photo upload, File claims for medical FSA and HRA, Contribute and distribute HSA transactions, Pay bills and manage payees

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

**In-app purchases:** none


### Centivo

[App page](https://appshunter.io/ios/app/centivo/id1445594850)

Access and manage your health benefits seamlessly. Find the care you need and get the most out of your membership with easy account setup and benefit management.

**Highlights:** Access health benefits, Manage health benefits, Find needed care, Membership verification, Account setup

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PBS Benny free?

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

### Is Centivo free?

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

### Which has better reviews, PBS Benny or Centivo?

Centivo is rated higher. PBS Benny averages 2.3 out of 5 from 4 ratings, while Centivo averages 3.7 from 58 ratings.

### Do PBS Benny or Centivo have ads?

Neither PBS Benny nor Centivo shows ads.

### Which is updated more often, PBS Benny or Centivo?

PBS Benny ships an update every 4 months, and Centivo every 3 months. Most recently, PBS Benny was updated on September 19, 2026 and Centivo on August 20, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*