Optum Bank 4+

Connecting health & finance

Optum Inc.

    • 4.8 • 52.1K Ratings
    • Free

iPhone Screenshots


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.


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


See your health account balances and contributions and view health spending and saving transactions all in one place.


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 for health-related expenses, check and submit claims for reimbursement and easily capture receipts, all with a few taps.


Easily find out what you need or type away and send us an email.


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.


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.

What’s New

Version 2.5.0

This update allows you to opt-in to transaction alerts each time you swipe your card. Plus, we have eliminated some pesky bugs and enhanced the app for smoother banking.

Ratings and Reviews

4.8 out of 5
52.1K Ratings

52.1K Ratings

Kympulsive ,

Have yet to find the value in this app

I can download receipts to the app which is awesome...but it’s not attached to my account so it’s pretty much a worthless feature. I have a camera on my phone and can download pictures to an email just as easily from there. I can’t send receipts in the app or attach them to my unverified purchases...which is, by the way, all of them because even though my doctors are all in a multi-disciplinary clinic with over 100 locations in my community, you don’t recognize them as a health care provider. Come On! I know that you can provide better customer service than this.

Developer Response ,

We value your feedback and we are sorry to hear about your experience. We have shared this with our technical support team. If you wish to provide greater detail of the problems you encountered, please email us at healthaccountservicing@optum.com for assistance.

Eramz ,

Good app, but needs improvement

This is a pretty decent app, and better than many out there for larger financial institutions. However, it still has room for improvement. My main issue with the app is the ability to upload receipts via iphone/ipad, which can be cumbersome. The app limits you to uploading receipts from your camera or your photo library (no pdf's-unless you screenshot them and then upload the screenshot, or unless you uplod them via the regular desktop website). The other issue with this functionality is the fact that when you are creating an entry and need to upload multiple documents for a qualifed expense - say for example a receipt and visit summary as support for the expense- it does allow you to upload mutiple pages per entry, but when these are displayed in the receipts gallery, they will show as two separate thumbnails/entries. This is frustrating because soon your receipt gallery gets cluttered with so many thumbnails. Please fix these two issues, and will definitely give it a higher rating.

Allow uploading of PDF's and other documents via the share sheet functionality or the Files app on iphone/ipad-do not limit this option to only photos
Allow multiple pages to be stored under one entry/thumbnail in the receipt gallery (if I have a receipt, a visit summary, and a prescription from a doctors appointment and I want to upload them to have support for my qualified expense, I do not want to see three different thumbnails in the receipt gallery)

Developer Response ,

Thanks a bunch for sharing your thoughts with us -- we're all ears for how we can continue to make the app even better. We've got some good news – we've expanded the app to include documents from iCloud when uploading receipts, so now you can upload those PDFs hassle-free. As for organizing multiple pages under one entry, we're working on ways to tidy up that receipt gallery, so stay tuned for updates. Thanks again for your feedback!

Watup Gee ,

App and desktop won’t transfer funds to investment acct

Ever since I set up my account, I click “transfer funds” to try to move funds from my HSA to the investment accounts Optum offers. Several radio buttons appear under “Transfer” with only the first button “use HSA to purchase funds” being highlighted. Neither the app or the desktop version allows me to choose any other radio button and get a confirmation color change, but there are changes that occur to the page with each attempt to click other radio buttons. I scroll down and enter the amount to transfer which is confirmed by the dollar amount turning green. However, when I click the transfer button, a red box appears stating I have to “select an option”. It will not allow any other radio buttons or anything to be clicked on. The other buttons don’t work so there are no options. Therefore no money can be transferred. I called customer support who sent me to IT support. IT support told me not to use the app bc it doesn’t work right. The desktop does the same thing....got no response. Called again and the recording stated “if you’re calling from a rotary phone...”. Maybe that’s the problem. Optum is worried about rotary phones when they need to worry about online banking web design. Seems like they’re way behind the times. Looking to get out of this ASAP. I heard there’s a music device called an 8-track player Optum. Maybe you’ll be the first one on your block?

Developer Response ,

Thank you for your feedback. We have released updated versions of the Optum Bank app that addresses the issues you’re experiencing. Please try updating the Optum Bank app as the newer version should resolve your issue. For further assistance, please email us at healthaccountservicing@optum.com.

App Privacy

The developer, Optum Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics
  • Other Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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