Best Reload Mobile Credit Apps

0+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated June 2026

Whether you're new to reload mobile credit or looking for an upgrade, our curated collection of 0+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Reload Mobile Credit Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Ding Top-up: Mobile RechargeDing Top-up: Mobile RechargeFree4.8★ (84K)YesNoAug 2026
2Seen Mobile - Build CreditSeen Mobile - Build CreditFree4.8★ (26K)NoNoAug 2026
3Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (11K)YesNoAug 2026
4Grow CreditGrow CreditFree4.8★ (10K)YesNoAug 2026
5OnePay – Mobile BankingOnePay – Mobile BankingFree4.9★ (391K)NoNoAug 2026
6Lexington Law - Credit RepairLexington Law - Credit RepairFree4.8★ (109K)YesNoAug 2026
7Arrowhead Mobile BankingArrowhead Mobile BankingFree4.9★ (31K)NoNoAug 2026
8GTE MobileGTE MobileFree4.8★ (24K)NoNoAug 2026

Top Picks for Reload Mobile Credit

Ding Top-up: Mobile Recharge#1

Ding Top-up: Mobile Recharge by ezetop

Safe, fast, easy mobile top-up
Editor's Choice
🔧 Utilities
4.8😐(84K ratings)
FreeAds
Ding Top-up: Mobile Recharge screenshot 1
Ding Top-up: Mobile Recharge screenshot 2
Ding Top-up: Mobile Recharge screenshot 3
Ding Top-up: Mobile Recharge screenshot 4
Ding Top-up: Mobile Recharge screenshot 5

Easily send mobile credit and data plans to over 150 countries worldwide. This leading service delivers top-ups in seconds, keeping you and your loved ones connected. You can also find gift cards for yourself or others.

What We Love

  • 🚀 Instant top-ups
  • 👍 Convenient and easy to use
  • 💡 Helpful for staying connected with family overseas
  • ⭐ Excellent service

Room to Improve

  • 💰 Expensive exchange rates and processing fees
  • 🐛 Unreliable transactions and failed top-ups
  • 🤔 Inconsistent pricing and options
Seen Mobile - Build Credit#2

Seen Mobile - Build Credit by Seen Finance, Inc.

Spend, Track & Build Credit
Strong Contender
💰 Finance
4.8😞(26K ratings)
Free
Seen Mobile - Build Credit screenshot 1
Seen Mobile - Build Credit screenshot 2
Seen Mobile - Build Credit screenshot 3
Seen Mobile - Build Credit screenshot 4
Seen Mobile - Build Credit screenshot 5
Seen Mobile - Build Credit screenshot 6

Manage your credit card account, track spending, and build your credit history. This app helps you establish or repair credit by reporting your payment activity to major credit bureaus. Take control of your finances with features like digital card access, autopay, and card locking.

What We Love

  • 👍 Easy to use
  • 🚀 Straightforward setup
  • 💡 Helpful customer service

Room to Improve

  • 🐛 Glitches and bugs
  • 🤔 Unclear payment processes
  • 😡 Unresponsive customer support
Perpay - Shop and Build Credit#3

Perpay - Shop and Build Credit by Perpay, Inc.

Shop, pay later, build credit
Worth Considering
💰 Finance
4.9😐(11K ratings)
FreeAds
Perpay - Shop and Build Credit screenshot 1
Perpay - Shop and Build Credit screenshot 2
Perpay - Shop and Build Credit screenshot 3
Perpay - Shop and Build Credit screenshot 4
Perpay - Shop and Build Credit screenshot 5
Perpay - Shop and Build Credit screenshot 6

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

What We Love

  • 💳 Easy payment setup
  • 🚀 Fast delivery
  • 🔍 Wide product selection
  • 💳 Builds credit

Room to Improve

  • 💰 Overpriced items
  • 🕰️ Slow shipping and approval process
  • 🤖 Poor app performance and glitches

More Reload Mobile Credit apps to explore

4
Grow Credit
Grow Credit
Grow Credit
Pay Phone Bills & Build Credit
Free

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus
💰 Finance
(10K)
free with in-app purchases
5
OnePay – Mobile Banking
OnePay – Mobile Banking
OnePay – Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
💰 Finance
(391K)
free with in-app purchases
6
Lexington Law - Credit Repair
Lexington Law - Credit Repair
Lexington Law - Credit Repair
Credit Repair, Score & Reports
Free

This app helps individuals improve their credit by challenging inaccurate negative items on their credit reports. It offers personalized credit repair, real-time updates on progress, and insights into credit scores. Users can monitor their credit 24/7 and receive alerts on profile changes.

Personalized credit repairChallenge inaccurate negative itemsReal-time progress updates
💰 Finance
(109K)
free with in-app purchases
7
Arrowhead Mobile Banking
Arrowhead Mobile Banking
Arrowhead Mobile Banking
Arrowhead Credit Union
Free

Manage your finances on the go with this mobile banking app. Access account information, deposit checks, pay bills, transfer funds, and utilize financial wellness tools. Security features like two-factor authentication and card blocking are included.

Link external accountsSnapshot view for balancesMobile check deposit
💰 Finance
(31K)
free
8
GTE Mobile
GTE Mobile
GTE Mobile
Convenient Mobile Banking
Free

Manage your finances with this banking app. It offers features like adding cards to digital wallets, instant card control, and secure money transfers. You can also deposit checks, pay bills, and manage rewards.

Add cards to Apple PayTurn card on/off instantlySend/receive money with Zelle
💰 Finance
(24K)
free
9
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Rewards Checking, Loans, Cards
Free

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Cash back rewards on card purchasesManage personal loans and credit linesTrack credit score and receive alerts
💰 Finance
(80K)
free with in-app purchases
10
Credit Acceptance Mobile
Credit Acceptance Mobile
Credit Acceptance Mobile
Secure, on-the-go car payments
Free

Easily manage your car loan account and make secure payments from your mobile device. Schedule one-time or recurring payments, view your balance, and receive important account updates through push notifications and text alerts.

Secure login with fingerprint/face IDSchedule one-time paymentsSet up recurring payments
💰 Finance
(4.1K)
free with in-app purchases
11
CareCredit Mobile
CareCredit Mobile
CareCredit Mobile
Take CareCredit on the go
Free

Manage your CareCredit credit card on the go. Access your digital card, pay bills, find providers, and track your account details. Stay informed with custom notifications and helpful resources.

Digital card accessBill paymentProvider search
💰 Finance
(62K)
free
12
Merrick Bank Mobile
Merrick Bank Mobile
Merrick Bank Mobile
by Merrick Bank
Free

Manage your credit card account securely and conveniently on the go. Track spending, check balances, make payments, and monitor your FICO® Score. Set custom alerts and access billing statements easily.

Check balances and transactionsSchedule paymentsView FICO® Score
💰 Finance
(37K)
free
13
Arro: Build & Grow Credit
Arro: Build & Grow Credit
Arro: Build & Grow Credit
Cash Back Credit Builder Card
Free

Build your credit score and earn cash back rewards with this credit builder card. Start with a credit limit up to $300 and grow it to $2,500. Get personalized financial guidance from an AI coach and track your progress with real-time updates.

Build credit historyEarn 1% cash back on gas and groceriesNo deposit required
💰 Finance
(1.7K)
free with in-app purchases
14
Meritrust Mobile
Meritrust Mobile
Meritrust Mobile
Meritrust Credit Union
Free

Manage your finances on the go with this mobile banking app. Easily view account details, make payments, transfer funds, and deposit checks securely. Locate branches and ATMs for convenient access to your money anytime, anywhere.

View account balances and transaction historyPay billsTransfer funds between accounts
💰 Finance
(7.5K)
free
15
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
Equifax, Experian + TransUnion
Free

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month
💰 Finance
(261K)
free with in-app purchases
16
CreditRepair
CreditRepair
CreditRepair
by Creditrepair.com, Inc.
Free

Monitor your credit repair journey with a suite of tools designed to help you understand and improve your credit score. Track progress, view removed items, and manage creditor interventions directly from your mobile device.

Updated user interfaceBiometric loginCustomized dashboard
💰 Finance
(11K)
ad-supported
17
Upay.net
Upay.net
Upay.net
Mobile Top Up
Free

Easily top up mobile phones, internet, and utility services for family and friends abroad. This secure service supports various payment methods and offers a convenient way to manage transactions.

Mobile top-up for Uzbekistan and TajikistanInternet and utility bill paymentsMultiple payment methods (Visa, Mastercard, PayPal)
💰 Finance
(5.1K)
free with in-app purchases
18
Kinecta Mobile Banking
Kinecta Mobile Banking
Kinecta Mobile Banking
by Kinecta Federal Credit Union
Free

Manage your finances on the go with this secure mobile banking app. Easily check balances, transfer funds, pay bills, and deposit checks. Access your credit score, apply for loans, and even lock your cards.

Check account balances and transactionsTransfer funds between accountsPay bills
💰 Finance
(9.9K)
free
19
Travis CU Mobile
Travis CU Mobile
Travis CU Mobile
Bank safely & securely
Free

Manage your finances on the go with this banking app. Review balances, transfer funds, pay bills, and make person-to-person payments. Deposit checks, apply for loans, and access card information securely.

Account balance and transaction historyFund transfersBill Pay
💰 Finance
(27K)
free
20
OnPoint Mobile
OnPoint Mobile
OnPoint Mobile
by OnPoint Community Credit Union
Free

Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.

Secure sign-in with biometricsBill management and paymentsSend money to contacts
💰 Finance
(24K)
free with in-app purchases

FAQ about Reload Mobile Credit

What are the best reload mobile credit apps for iPhone?
Ding Top-up: Mobile Recharge tops our reload mobile credit apps ranking as of June 2026, with a 4.8-star average from 84K App Store ratings, and it's free to download.
Yes — 20 of the top reload mobile credit apps we rank are free to download, including Ding Top-up: Mobile Recharge and Seen Mobile - Build Credit.
Ding Top-up: Mobile Recharge shows ads and has no in-app purchases, according to its App Store listing as of June 2026.
The Ding app allows you to easily send mobile credit and data plans to prepaid phones in over 150 countries. It is a leading service for international mobile recharges, ensuring you and your loved ones stay connected. The app also offers a selection of gift cards.
Key features include the ability to recharge over 150 countries, with top-ups delivered in as little as 3 seconds. The app provides 24/7 multilingual customer support, 100% secure transactions, exclusive discounts, and an auto top-up feature for convenience. It supports over 600 mobile networks globally.