--- title: "Spruce – Mobile banking - Reviews, Revenue and Downloads in United States | Apple App Store" 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 goal" --- # Spruce – Mobile banking — United States > Spruce up your financial life ![Spruce App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/a2/cc/d1/a2ccd167-929d-4088-6f05-fd8300e4dfa1/AppIcon-1x_U007epad-0-1-85-220-0.png/434x0w.png) **Developer:** [HRB Tax Group](https://apptail.io/developer/hrb-tax-group-uCR) **Category:** Finance **Rating:** 4.5/5 (5,169 ratings) **Price:** Free **Bundle ID:** com.hrblock.sprucemoney **Store:** Apple App Store **Country:** United States **Version:** 5.9.0 (released 2026-06-06) **Original Release:** 2022-01-05 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1595592028) **AppTail Page:** [https://apptail.io/app/spruce-mobile-banking-mHH/united-states](https://apptail.io/app/spruce-mobile-banking-mHH/united-states) ## Spruce 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 goals to help you stay ahead. QUICK START TIPS 1. Download the Spruce mobile banking app. 2. Create a super secure password with at least 8 characters. 3. Sign up for your Spruce Spending and Savings accounts. 4. Explore the Spruce navigation menu: ---My Life. See a snapshot of your balances and recent transactions. ---Spending. Review your debit and deposit transactions. ---Move Money. Move money between accounts. ---Saving. Create Saving Goals, turn on Round Ups, and opt in to earn 3.50% APY*. ---Credit. Check your credit score and learn more about improving your credit. DISCLAIMERS Spruce 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. * 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.
 ∞ 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. ^ Spruce℠ ± 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. ~ 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. ≠ 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. ≈ No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee. ‡ 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. ## Spruce Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b4/3e/f0/b43ef0ee-7a9a-17f7-92c0-ab44eb1ed988/fc9e2218-5499-41ea-a0bc-ac29409fcdbc_iPhone_6.5_1.jpg/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/dd/19/3d/dd193df3-8b8e-8b25-6249-6f94bca254f3/ee0da13d-6953-432b-ba7d-96e74dd1ed85_iPhone_6.5_2.jpg/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/07/eb/aa/07ebaa91-15fb-0146-94a7-c4d1e252abbd/6b75950d-3748-4a45-b804-5cafdcfed07d_iPhone_6.5_3.jpg/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d6/cc/14/d6cc1421-a9b0-3fcc-2b0e-6399b77d7755/e2ae4bbd-1147-47fe-ab3b-c192accc6bf9_iPhone_6.5_4.jpg/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/bb/5b/59/bb5b590c-0d59-023f-9a22-d50b848cc0cd/fd15f322-1ad1-4c31-a9d4-fb05678ed1ac_iPhone_6.5_5.jpg/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ac/78/48/ac784831-4228-4919-3e8c-670384b5326c/062dc5e2-5111-4af3-a7be-1da9b84f3668_iPhone_6.5_6.jpg/1242x2688.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/da/68/42/da68421a-96ed-7ee1-8344-902fb510fea0/35746bb6-f26f-410a-adaa-6d9a593bb1b6_iPhone_6.5_7.jpg/1242x2688.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/77/bf/87/77bf8791-ac57-18dd-62e6-32de76a128fa/8aed79a8-add9-46a1-8d93-fad109208fe3_iPhone_6.5_8.jpg/1242x2688.png) - [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f9/6f/90/f96f9090-59ff-a980-f45d-e37f5579306a/22b6f53e-3b1a-44a7-bc9e-ca632cd5858a_iPhone_6.5_9.jpg/1242x2688.png) - [Screenshot 10](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4d/a8/79/4da8797a-ecb8-2766-828c-a2d3995506de/iPhone_6.5_8.jpg/1242x2688.png) ## Spruce Rating Breakdown in United States - 5 stars: 4,283 (83%) - 4 stars: 262 (5%) - 3 stars: 106 (2%) - 2 stars: 94 (2%) - 1 stars: 424 (8%) ## Spruce Reviews in United States ### ***** "Spruce" Love the card and the interest rate. Awesome! -- D. L. S59, 2025-10-24 ### *---- "Update required" Keeps telling me to update and won’t show the money from the check I deposited even after the 10 day hold. -- PoorwillEatTheRich, 2025-10-17 ### ***** "App is solid" I like the app but it keeps telling me to update it and it is. -- brianvillage5, 2025-10-16 ### **--- "Keeps saying update" There’s something wrong with the app every time it opens it keeps saying update and I update and it goes back to saying update! Please fix asap and I’ll update my review! -- mel26368, 2025-10-16 ### ***** "Very good" Good -- Luis1823@, 2025-10-15 ### *---- "3rd world banking" Want underpaid overseas people to have direct access to your sensitive financial data? Think not one of them will be tempted to make some quick $$ reselling your data? Want money transfers that take .. days as if it took a mule to carry the cash? Pick HRB’s Spruce! -- Yeah not so super duper happy, 2025-09-29 ### ***** "I love my card!" I love the option you can have a little bit of money moved to savings on every purchase you do on the card. It likes it ticks away a little bit of money for a rainy day for you. The money in savings is out of sight and out of mind so to speak! I have no issues with my card. -- XYiiiiiiiiippppppp, 2025-09-12 ### ****- "Very detail oriented" Love the detail in separate accounts for savings, the down side to the bank app is the long waiting period for bank transfers. Unlike chime app it takes a few days to complete transfers -- Otjmore, 2025-09-11 ### ***** "Spruce" I absolutely love Spruce, very good at saving -- Yana0122, 2025-09-04 ### *---- "Worst app ever" The core functions of the app are very difficult to navigate through -- dr browbf, 2025-08-13 [View all Spruce reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Spruce Discovered Keywords - mobile banking - myblock - myblock mobile app - spruce health - spruce medical communication - spruce care messenger - spruce app - spruce care - spruce bank - the spruce ## Apps Similar to Spruce - [Found: Business Banking](https://apptail.io/app/found-business-banking-kMs/united-states) - [River: Buy Bitcoin](https://apptail.io/app/river-buy-bitcoin-zZG/united-states) - [Lili - Business Banking](https://apptail.io/app/lili-business-banking-lHH/united-states) - [T-Mobile MONEY: Better Banking](https://apptail.io/app/t-mobile-money-better-banking-nHH/united-states) - [GreenFi - Mobile Banking](https://apptail.io/app/greenfi-mobile-banking-oHH/united-states) - [GO2bank: Mobile banking](https://apptail.io/app/go2bank-mobile-banking-QJH/united-states) - [Porte: Mobile Banking](https://apptail.io/app/porte-mobile-banking-GEL/united-states) - [Ingo Money - Cash Checks](https://apptail.io/app/ingo-money-cash-checks-yFL/united-states) - [Green Dot - Mobile Banking](https://apptail.io/app/green-dot-mobile-banking-lKN/united-states) - [CARD.com Premium Banking](https://apptail.io/app/cardcom-premium-banking-QLN/united-states) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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