Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.

Does Optum Bank have a free trial?

No. None of its offers (US) come with a free trial.

What are the best alternatives to Optum Bank?

Principal® (4.8 from 233,352 reviews), Voya (4.7 from 189,279 reviews) and Betterment Invest & Save Money (4.8 from 64,359 reviews).

Finance

Name: Optum Bank
Rating: 4.7 (54542 reviews)
Author: Optum Inc.

Connecting health & finance

Optum Inc.

Prices are current as of 21 Aug 2026.

Optum Bank has no in-app products on record in the United States.

	Optum Bank	Principal®	Voya	Betterment Invest & Save Money	Inspira Mobile™	NetBenefits	READYSAVE 529	Fidelity Health®	Benefits by WEX	HSA Bank	Lincoln Financial Mobile
Rating / 5	4.7	4.8	4.7	4.8	4.3	4.5	4.7	4.9	4.2	4.2	2.9
Reviews	55K	233K	189K	64K	37K	30K	29K	25K	13K	1.6K	317
Released	2018	2019	2012	2010	2011	2013	2020	2021	2010	2022	2014

4.7 out of 5, based on 54,542 reviews.

Is Optum Bank free?: Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
Does Optum Bank have a free trial?: No. None of its offers (US) come with a free trial.
What are the best alternatives to Optum Bank?: Principal® (4.8 from 233,352 reviews), Voya (4.7 from 189,279 reviews) and Betterment Invest & Save Money (4.8 from 64,359 reviews).

Last updated 2 months ago.

Optum Bank sells in 1 country. It was released 8 years and 9 months ago, on 7 Jan 2018. It holds a 4.7 rating from 54,542 reviews.

Supports 1 language: English.

Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.

Revenue < $5,000

Downloads 20K