Comparison

Access CU vs Consult Insure

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

Head to head
About

Access CU

Manage your finances securely and conveniently from your mobile device. Deposit cheques, open new accounts, schedule payments, and transfer funds between accounts. Offers enhanced security features and customization options for a personalized banking experience.

Highlights
  • Remote cheque deposit
  • Open new accounts
  • Download void cheques
  • Schedule transfers and bill payments
  • Canadian to US dollar transfers
  • Enhanced security features
  • Profile customization
Features
Read full description

Manage your finances from anywhere with our secure, easy-to-use mobile app. Features include: - Deposit cheques and stop cheques remotely - Open new accounts and assign custom names - Download void cheques for direct deposits - Add, edit, delete and view favourite transactions - Canadian to US dollar account transfers - Schedule transfers and bill payments and transfer to other members - Enhanced security with password reset, multi-factor authentication, and alerts - Customize background and profile photos To use this app you must be a member of Access Credit Union and have digital banking enabled on your account. Standard service charges still apply to online account services. The use of this mobile app is subject to the privacy and legal terms and conditions that can be found on our website at www.accesscu.ca. Cellular data rates may apply depending on your provider and plan.

About

Consult Insure

Features
Read full description

Simplify your daily life and use a single app to make the most of your short-term insurance journey. Avoid the hassle of going from company to company comparing different quotes, or dealing with tedious claims processes.By using consult. Insure you can: •Do everything in a single app. No more call centres or heaps of paperwork. Everything is done in a central place, from getting and accepting quotes, to amending cover. •Compare and choose. We’ve partnered with the most trusted names in the insurance industry, so that you can have your pick from the cream of the crop. •Get sound advice. Our policy comparison tool makes choosing the right cover easy. We make recommendations based on your profile. •Stay in touch. Connect directly with your financial adviser when it suits you best, from queries and quotes to questions and claims. Core features include: 1. Request a quoteEverything is done within the app and you only have to enter your details once to get quotes from different insurers. 2. Compare quotesSelect the cover that suits you best. The policy comparison tool, backed by our recommendation, makes choosing the right cover easy, clear and simple. 3. Claim directly through the appSubmitting a claim or getting assistance is an easy, straightforward process, all done through the app. 4. Communicate on your termsChat with your insurance adviser using mobile messaging. Whenever and wherever it suits you. 5. Completely safeOur servers are located in ultra-secure data centers which means your data is completely safe and all transmissions are securely encrypted.Momentum Consult (Pty) Ltd (Reg. No. 1969/009289/07), is an authorised financial services provider (FSP5503), a subsidiary of Momentum Metropolitan Strategic Investments (Pty) Ltd and rated B-BBEE level 1.

Screenshots

Access CU4 screens
Consult Insure4 screens

Verdict

The call

The clearest difference is ads: Access CU at none against Consult Insure's shown. Consult Insure's advantage is iOS requirement (13.0 vs 17.0). On price, update cadence, 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.

UpkeepUpdate frequency

Access CU ships an update every 2 months, Consult Insure every 3 months. The most recent releases landed on August 9, 2026 and September 16, 2026 respectively.

Scorecard2 real differences · 8 level
Access CU versus Consult Insure: the parameters behind the verdict, then further details
ParameterAccess CUConsult Insure
PriceFreeFree
Rating4.2 (5 ratings) — better—
Positive reviews8.0% of reviews—
Number of ratings5 — better—
Update frequencyEvery 2 months — betterEvery 3 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.013.0 — better
Further details — not scored
Size189 MB3 MB
Age rating4+4+
DeveloperAccess Credit Union LimitedMomentum Metropolitan Life Ltd.

Bugs and requests

Access CU

Reported bugs

18 issues
  • Login loop - username/password/error repeating indefinitely
  • App won't open or launch properly
  • Crashes immediately after update installation
  • Face ID/biometric authentication fails or blocks access
  • App hangs during login process
Show 13 more
  • False 'jailbroken device' detection on legitimate devices
  • Update notification persists despite being current version
  • App won't update despite notification prompts
  • Login page doesn't work in Safari (app uses Safari for login)
  • Password validation errors after updates
  • Accounts disappear during e-transfer process
  • Mobile deposit camera freezes
  • Homepage orientation stuck sideways with non-functional rotation icon
  • App reports 'No Internet connection' on working networks
  • Slow performance specifically on 5G networks
  • Session timeout and random logouts
  • NextStepUsername download error before app quit
  • App freezes on loading screen indefinitely

Requested features

12 requests
  • Fix Face ID and biometric authentication reliability
  • Implement proper multi-factor authentication (MFA)
  • Improve app stability and prevent crashes
  • Streamline update process to avoid deletion/reinstall
  • Enhance mobile deposit feature usability
Show 7 more
  • Add ability to modify or cancel scheduled transfers
  • Improve cellular data connectivity
  • Redesign user interface for better usability
  • Restore features from previous apps (Sunova, Casera)
  • Add credit card information access
  • Implement dark mode option
  • Reduce unnecessary permission requests

Consult Insure

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Access CU

No in-app purchases

None

Consult Insure

No in-app purchases

Questions

Is Access CU free?
Access CU is free to download, with no in-app purchases.
Is Consult Insure free?
Consult Insure is free to download, with no in-app purchases.
Do Access CU or Consult Insure have ads?
Consult Insure shows ads; Access CU does not.
Which is updated more often, Access CU or Consult Insure?
Access CU ships an update every 2 months, and Consult Insure every 3 months. Most recently, Access CU was updated on August 9, 2026 and Consult Insure on September 16, 2026.

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