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Screenshots

  • Optum Bank screenshot 1
  • Optum Bank screenshot 2
  • Optum Bank screenshot 3
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About Optum Bank

The Optum Bank app helps you get more out of your health account benefits. You’ll get clear tips on stretching every dollar. Plus, we’ll help you understand how to make your health savings account, flexible spending account or other spending accounts work harder for you. WITH THE APP UPDATE, YOU CAN NOW EASILY: Keep track of all your account balances Unlock more ways to use your health account dollars Use your account to pay for health costs Find answers if you have questions Store your health care receipts all in one place Understand what may qualify as an eligible health expense VIEW YOUR HEALTH ACCOUNTS FROM ANYWHERE See your health account balances and contributions and view health spending and saving transactions all in one place. DID SOMEONE SAY SHOPPING? YES, WE DID. Get more out of your health dollars and understand what health costs are eligible (think allergy meds, acupuncture and thousands more). Then shop and pay with your Optum card or digital wallet. PAY BILLS, PAY EASILY, PAY YOURSELF Pay for health-related expenses, check and submit claims for reimbursement and easily capture receipts, all with a few taps. AND IF YOU HAVE QUESTIONS, WE HAVE ANSWERS Easily find out what you need or type away and send us an email. ACCESS INSTRUCTIONS: You will need to have an Optum Bank health account to use this app. Please visit optumbank.com if you’re an Optum Bank customer and need to update your account credentials. ABOUT OPTUM BANK: Optum Bank is advancing care, connecting the worlds of health and finance in ways that no one else can. Optum Bank is a leading health accounts administrator with over $19.8B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Bank helps reduce costs while helping people make better health decisions — creating a better health care experience for our customers.

Ratings & reviews

4.7

54.6K ratings

5 ★ 85% 4 ★ 10% 3 ★ 3% 2 ★ 1% 1 ★ 2%

What’s new

Version 4.9.0 · Updated September 23, 2026

We've added card shipment tracking so you can see statuses in the app. As always, we've included enhancements for a smoother and more reliable mobile experience.

App privacy

The developer, Optum Inc., reported these privacy practices to Apple.

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Identifiers: User ID, Device ID

Used for: App Functionality

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Usage Data: Product Interaction, Other Usage Data
  • Diagnostics: Crash Data, Performance Data, Other Diagnostic Data
  • Other Data: Other Data Types

Used for: Analytics, App Functionality

Alternatives to Optum Bank

Looking for apps like Optum Bank? Here are 6 similar apps on the App Store. The highest rated is Principal® (4.8/5), and all 6 are free to download.

Optum Bank vs. alternatives
App Rating Price Last updated
Optum Bank 4.7 / 5 (54,604 ratings) Free September 23, 2026
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HSA Bank 4.2 / 5 (1,707) Free Sep 24, 2026
Inspira Mobile™ 4.3 / 5 (38,745) Free Sep 4, 2026
Benefits by WEX 4.2 / 5 (12,558) Free Sep 15, 2026
NetBenefits 4.6 / 5 (29,058) Free Sep 23, 2026
Principal® 4.8 / 5 (236,612) Free Sep 22, 2026