Best Optimum Financial App

249+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated September 2026

Out of 249+ optimum financial app on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Optimum Financial App (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Optum FinancialOptum FinancialFree4.7★ (29K)NoNoSep 2026
2Empower ®Empower ®Free4.8★ (412K)NoNoSep 2026
3Optum BankOptum BankFree4.7★ (55K)NoNoSep 2026
4Vanguard: Save, Invest, RetireVanguard: Save, Invest, RetireFree4.6★ (177K)YesNoJul 2026
5VoyaVoyaFree4.7★ (188K)NoNoSep 2026
6Ally: Bank, Auto & InvestAlly: Bank, Auto & InvestFree4.7★ (113K)NoNoSep 2026
7Upgrade - Mobile BankingUpgrade - Mobile BankingFree4.9★ (84K)NoNoSep 2026
8surys financial servicessurys financial servicesFreeNoNoMay 2026

Top Picks for Optimum Financial App

Optum Financial#1

Optum Financial by Optum Inc.

Connecting health and finance
Editor's Choice
💰 Finance
4.7😐(29K ratings)
Free
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Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient mobile experience
  • 💳 Ability to pay providers directly
  • 📂 Straightforward claim submission
  • 💰 Helpful for managing medical expenses

Room to Improve

  • 🐛 Buggy document upload and submission
  • 🤔 Lack of explanations for claim rejections
  • 🕰️ Slow processing and response times
  • 🔍 Unintuitive navigation and UI
  • 🤖 Poor customer service and support
Empower ®#2

Empower ® by Empower Retirement, LLC

Plan, save, invest, retire
Strong Contender
💰 Finance
4.8😞(412K ratings)
Free
#58in Finance
Empower ® screenshot 1
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This app provides a comprehensive financial overview, consolidating all your accounts in one place. It offers tools to plan for retirement, manage budgets, track net worth, and simulate financial scenarios, making financial management clearer and simpler.

What We Love

  • 👍 Good product overall
  • 🚀 Sleek design and robust performance
  • 🔒 Excellent customer service and support

Room to Improve

  • 🐛 Buggy and unreliable app
  • ⏱️ Slow loading times
  • 🤔 Missing key features and functionality
  • 🤯 Confusing and unintuitive navigation
  • 💻 Forced to use app instead of website
  • 🇨🇦 Not compatible with Canadian users
Optum Bank#3

Optum Bank by Optum Inc.

Connecting health & finance
Worth Considering
💰 Finance
4.7😞(55K ratings)
Free
Optum Bank screenshot 1
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Manage your health savings and spending accounts with ease. Track balances, understand eligible expenses, pay for healthcare costs, and submit claims for reimbursement. Store receipts and get clear tips to maximize your benefits.

What We Love

  • 🚀 Convenient and streamlined
  • 👍 Easy to check balance and manage contributions
  • 💡 Allows digital card in Apple Wallet

Room to Improve

  • 🐛 Frequent login issues and app crashes
  • 🔍 Limited functionality compared to website
  • 🤔 Inconsistent user experience between app and website
  • 🤯 Poor technical support and communication

More Optimum Financial App apps to explore

FAQ about Optimum Financial App

What is the best optimum financial app for iPhone?
Optum Financial tops our optimum financial app ranking as of September 2026, with a 4.7-star average from 29K App Store ratings, and it's free to download.
Yes — 20 of the top optimum financial app we rank are free to download, including Optum Financial and Empower ®.
Optum Financial has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 249+ optimum financial app on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
The Optum Financial app allows users to manage and pay for eligible healthcare expenses on the go. It provides features for viewing account details, transaction history, balances, paying providers, and reimbursing yourself for qualified out-of-pocket expenses.
Key features include managing all Optum Financial benefit accounts, viewing account balances and transaction history, paying providers or reimbursing yourself, managing claims, capturing and uploading documentation via photo, and accessing live customer care via mobile chat 24/7.