{"app_store_id":1595592028,"slug":"spruce-mobile-banking-1595592028","name":"Spruce – Mobile banking","subtitle":"Spruce up your financial life","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/18/b1/c6/18b1c620-8187-6b82-4f44-cc654f634871/AppIcon-1x_U007epad-0-1-85-220-0.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/spruce-mobile-banking/id1595592028?uo=4","price":0,"currency":"USD","rating":4.53106,"rating_count":5344,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-09-02T13:44:06Z","updated_at":"2026-10-21T05:08:12.852Z","stale":false,"missing_since":null,"one_liner":"Mobile banking app offering Spending and Savings accounts, budgeting tools, transaction categorization and a credit.","verified_maker":false,"maker_site":null,"file_size_bytes":322860032,"minimum_os":"15.6","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/52/4e/7c/524e7c36-002d-62ae-9058-27d2934b0ca4/1cde0361-3b9e-4cb7-96e1-00e0e1681e0d_iPhone_8_1.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/bc/ed/2e/bced2ed7-0c3c-d249-f8c2-3ef730233c43/7eae31ec-f8f8-4827-a6f6-2f85e7782657_iPhone_8_2.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a7/51/81/a751819d-bfce-c273-7649-8d5fda8a65c3/44056d4d-c074-4eaa-8032-b0512672e341_iPhone_8_3.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/12/6e/37/126e3715-151d-a455-f639-54ab6bcc4f4f/73c7645b-0c76-498c-ac60-03b291c2ae4b_iPhone_8_4.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/65/31/cc/6531ccf5-ea47-4d40-3f1f-7b0f6610a78c/1b66c343-8b08-4137-8f69-5509fe2e276e_iPhone_8_5.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/5b/b4/cf/5bb4cfea-7a86-c7c8-ad6b-ae92993a1315/97c1d11d-b5fb-4d9f-90fe-69abdad4dfaf_iPhone_8_6.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/83/b0/d0/83b0d038-6d6c-6816-9b5f-a5a7776cde78/8ad67717-0434-4fba-b2ae-f3045ed9a2f6_iPhone_8_7.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/aa/77/70/aa77700c-ad18-bb44-663c-edfcd22bbbc9/4ea80afa-2b21-4909-ba54-253a4b2c8ad3_iPhone_8_8.jpg/392x696bb.jpg"],"developer_name":"HRB Tax Group, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/spruce-mobile-banking-1595592028/","api_url":"https://apptierlist.com/api/v1/apps/spruce-mobile-banking-1595592028","schema_version":"1.0","generated_at":"2026-10-21T06:49:51.685Z","data_as_of":"2026-10-21T05:08:12.852Z","description":"Spruce is a mobile banking app that offers easy-to-use financial tools to help you manage your money. Take care of your daily finances with a Spruce Spending account while budgeting for long-term goals with a Spruce Savings account. Whatever your financial goals, the Spruce digital banking app is here to help you build a better relationship with your money.\n\nBe sure to check out high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account.\n\nFind convenience with your Spruce accounts where you can easily manage your finances, transfer money, and deposit checks in the app‡.\n\nYou can also enjoy these Spruce account benefits:\nNo sign-up fees\nNo monthly fees\nNo minimum balance requirements\nNo credit check\n\nSet financial goals and save money the smart way! You don’t have to sacrifice what you love to save—set a Saving Goal in the Spruce app and use automated deposits to make it easier to reach your goal. Then, opt in to make your money work even harder for you with 3.50% APY*.\n\nSit back and let Spruce categorize your transactions, then use Watchlist to keep an eye on categories that matter most. Watchlist helps you keep track of spending and lets you set monthly income goals to help you stay ahead.\n\nQUICK START TIPS\n1. Download the Spruce mobile banking app.\n2. Create a super secure password with at least 8 characters.\n3. Sign up for your Spruce Spending and Savings accounts.\n4. Explore the Spruce navigation menu:\n---My Life. See a snapshot of your balances and recent transactions.\n---Spending. Review your debit and deposit transactions.\n---Move Money. Move money between accounts.\n---Saving. Create Saving Goals, turn on Round Ups, and opt in to earn 3.50% APY*.\n---Credit. Check your credit score and learn more about improving your credit.\n\nDISCLAIMERS\n\nSpruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.\n\n* The Annual Percentage Yield (APY) is accurate as of 1/23/2025. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.
\n∞ Funds are insured by the FDIC on a pass-through basis, subject to applicable limitations, restrictions, and requirements for such FDIC pass-through insurance, when the funds are received in your account. FDIC insurance only protects when an FDIC-insured institution fails. Spruce and H&R Block are not banks or FDIC-insured institutions, but Pathward® N.A. is an FDIC-insured depository institution.\n^ Spruce℠\n± Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A.\n~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.\n≠ Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.\n≈ No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.\n‡ Mobile check deposit is available after you have deposited at least $200 in the past year and your accounts have been open for 30 days.","facts":{"developer_id":350051876,"developer_url":null,"first_released":"2022-01-05T08:00:00Z","support_url":"https://www.hrblock.com/support/","privacy_url":"https://www.hrblock.com/universal/digital-online-mobile-privacy-principles.html","website_url":null,"app_version":"5.11.1","release_notes":"The heat is on, and so are the updates. Whether you're traveling, relaxing, or checking off a few mid-summer adventures, this release includes a handful of refinements designed to help you make the most of Spruce wherever the season takes you. We're always looking for ways to make your everyday banking app feel a little more effortless, one update at a time.\n \nMade for summer days and everyday money moves.","rating_current_version":4.53106,"rating_count_current_version":5344,"star_counts":[433,94,112,268,4434],"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipad","ipod"],"chart":null},"freshness":{"apple_read_at":"2026-10-21T05:08:12.852Z","catalog_read_at":"2026-10-18T01:36:11.616Z","reviews_checked_at":null,"summary_written_at":"2026-10-19T12:43:11.600Z","placed_at":"2026-10-17T09:55:13.503Z","scored_at":"2026-10-21T04:35:13.709Z"},"editorial":{"one_liner":"Mobile banking app offering Spending and Savings accounts, budgeting tools, transaction categorization and a credit.","what_is":"Spruce is a mobile banking app from H&R Block with a Spending account for daily finances and a Savings account for long-term goals. The listing describes saving goals with automated deposits, opt-in interest at a stated 3.50% APY, transaction categories, and a Watchlist for tracking spending by category.","good_for":["Managing daily spending and checking deposits in one app","Setting a savings goal with automated deposits","Tracking spending by category against monthly income goals"],"pricing":"Spruce – Mobile banking is free, with no in-app purchases on the App Store.","faq":[{"q":"Is Spruce a bank?","a":"The listing states Spruce is built by H&R Block, which is not a bank. Spruce Spending and Savings accounts are established at and the debit card issued by Pathward, N.A., Member FDIC."},{"q":"What fees does Spruce charge?","a":"The listing states no sign-up fees, no monthly fees, no minimum balance requirements and no credit check for Spruce accounts. It also notes that fees may reduce earnings on the Savings account."},{"q":"Is the deposit insured by the FDIC?","a":"The listing says funds are insured by the FDIC on a pass-through basis, subject to applicable limitations and requirements, when received in the account. It adds that Spruce and H&R Block are not FDIC-insured institutions."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T12:43:11.600Z"},"memberships":[{"list":"savings-goals","list_name":"savings goals","list_status":"draft","list_url":null,"position":null,"tier":null,"score":67,"components":{"rating":90.6,"votes":77.3,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"under_review","confidence":"provisional","judged_at":"2026-10-17T09:55:13.503Z"},{"list":"saving-money","list_name":"saving money","list_status":"active","list_url":"https://apptierlist.com/best/saving-money/","position":15,"tier":"C","score":67,"components":{"rating":90.6,"votes":77.3,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-17T09:55:13.503Z"},{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":314,"tier":null,"score":67,"components":{"rating":90.6,"votes":77.3,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-17T09:55:13.503Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":145866,"at":"2026-10-17T09:58:13.422Z","kind":"tier_changed","list":"saving-money","app_store_id":1595592028,"app":"spruce-mobile-banking-1595592028","from":null,"to":"C","reason":"score 67","job":"rescore"},{"id":145820,"at":"2026-10-17T09:55:13.503Z","kind":"membership_added","list":"savings-goals","app_store_id":1595592028,"app":"spruce-mobile-banking-1595592028","from":null,"to":"active","reason":"Lets users set Saving Goals with automated deposits to reach a target, and promotes this as a key feature.","job":"shadow"},{"id":145819,"at":"2026-10-17T09:55:13.503Z","kind":"membership_added","list":"saving-money","app_store_id":1595592028,"app":"spruce-mobile-banking-1595592028","from":null,"to":"active","reason":"placed by the category system","job":"shadow"},{"id":145818,"at":"2026-10-17T09:55:13.503Z","kind":"membership_added","list":"banking","app_store_id":1595592028,"app":"spruce-mobile-banking-1595592028","from":null,"to":"active","reason":"Mobile banking app with Spending and Savings accounts, transfers, and mobile check deposit.","job":"shadow"},{"id":131966,"at":"2026-10-16T16:49:48.137Z","kind":"app_added","list":null,"app_store_id":1595592028,"app":"spruce-mobile-banking-1595592028","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"savings-goals","list_name":"savings goals","status":"active","review_status":"checked","position":null,"tier":null,"score":67,"components":{"rating":90.6,"votes":77.3,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Lets users set Saving Goals with automated deposits to reach a target, and promotes this as a key feature.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-17T09:55:13.503Z","attempts":1,"current":true},{"verdict":"keep","reason":"Users can set Saving Goals with automated deposits toward a target and track progress, as a core part of the savings account.","verifier":"list check","decided_at":"2026-10-17T09:55:13.503Z","attempts":1,"current":true}]},{"list":"saving-money","list_name":"saving money","status":"active","review_status":"checked","position":15,"tier":"C","score":67,"components":{"rating":90.6,"votes":77.3,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"It offers a high-yield savings account with automated deposits, so users actually set money aside regularly, comparable to Qapital and Oportun.","verifier":"list check","decided_at":"2026-10-17T09:55:13.503Z","attempts":1,"current":true}]},{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":314,"tier":null,"score":67,"components":{"rating":90.6,"votes":77.3,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Mobile banking app with Spending and Savings accounts, transfers, and mobile check deposit.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-17T09:55:13.503Z","attempts":1,"current":true},{"verdict":"keep","reason":"Spruce is a full mobile banking app with spending and savings accounts, transfers, and check deposit, much like the other bank apps in this list.","verifier":"list check","decided_at":"2026-10-17T09:55:13.503Z","attempts":1,"current":true}]}]},"data_version":39650,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/spruce-mobile-banking-1595592028/"}}