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Spruce - Mobile banking app icon#15in Saving Money

Spruce - Mobile banking

Saving Money · Free
C Tier
Situational · #15 of 19 · provisional
67
4.5★5.3K ratings
Freeprice
2mosince update

What is Spruce?

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.

Pricing. Spruce - Mobile banking is free, with no in-app purchases on the App Store.

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

Screenshots

1 / 8

Why this app is in C tier

Spruce scores 67 out of 100: rating 91, rating count 77, App Store search rank 0, update recency 100. The four parts are averaged with no weights, and C tier follows from that score within this list. The full explanation, as data.

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. Be sure to check out high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account. Find convenience with your Spruce accounts where you can easily manage your finances, transfer money, and deposit checks in the app‡. You can also enjoy these Spruce account benefits: No sign-up fees No monthly fees No minimum balance requirements No credit check Set 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*. Sit 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

Compare in Saving Money

MeasureSpruceCirclysGuac
TierCCC
Score67 / 10068 / 10067 / 100
Rating4.5 ★4.7 ★4.3 ★
Ratings5.3K5.9K2.1K
Last update49d ago2d ago247d ago
PriceFreeFreeFree download

Alternatives

See all 40 ›
  1. Chase Mobile®Free · ★ 4.8S
  2. RevolutFree · ★ 4.7S
  3. HSBC UK Mobile BankingFree · ★ 4.8S

Where else it ranks

Questions about Spruce

Is Spruce a bank?

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.

What fees does Spruce charge?

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.

Is the deposit insured by the FDIC?

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.

Is Spruce free?

Yes. Spruce is free on the App Store, with no in-app purchases.

What is Spruce good for?

Spruce is built 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. It sits in the saving money list on AppTierList.

Is Spruce worth it?

Spruce is C tier, ranked #15 of 19 saving money apps with a score of 67 out of 100, from a 4.5 App Store rating across 5,344 ratings. 14 apps rank above it in the same list.

How does Spruce compare to Circlys?

Spruce is C tier at 67; Circlys is C tier at 68. Circlys ranks higher. Spruce is free, with no in-app purchases, Circlys is free, with no in-app purchases.

How often is Spruce updated?

Spruce was last updated on 2026-09-02, 49 days ago.

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All the facts

List
Saving Money
Tier
C (Situational)
Score
67 / 100
Rank in list
#15 of 19
Ranking certainty
early: few ratings or search ranks so far
Price
Free
App Store rating
4.5 out of 5
Number of ratings
5,344
Current version
(49 days ago)
App Store data read
App Store category
Finance
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
Requires
iOS 15.6 or later
Size
308 MB
Age rating
4+
Languages
1
Developer pages
Support · Privacy policy
Maker
unclaimed
As data
JSON · why it ranks here

Ranking refreshed · how it is computed