About Spruce - Mobile banking
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...
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 account 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 is a financial technology platform built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is 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.
Previous Versions
Here you can find the changelog of Spruce - Mobile banking since it was posted on our website on 2025-09-13 17:59:37.
The latest version is 5.9.0 and it was updated on 2026-06-13 09:36:35. See below the changes in each version.
Spruce - Mobile banking version 5.9.0
Updated At: 2026-06-04
Changes: With summer right around the corner, Spruce is keeping things fresh. This release brings continued enhancements to help make your everyday banking app experience feel effortless.
Hello summer. Even smoother days ahead.
Spruce - Mobile banking version 5.8.0
Updated At: 2026-05-25
Changes: Fresh updates just rolled in - We made a few refinements to keep things running a little smoother, including improvements to the credit score sign-up process and other app enhancements.
A few smoother steps. A little more seamless. Thanks for growing with Spruce!
Spruce - Mobile banking version 5.7.0
Updated At: 2026-04-30
Changes: We've added a few fresh touches to Spruce—just for you. Improved navigation lets you make updates seamlessly in Saving Goals. Alerts take you straight to the appropriate page, and enhanced Search now produces results using any word.
Spruce - Mobile banking version 5.6.0
Updated At: 2026-03-26
Changes: We’ve rolled out a refreshed Spruce app with a new look and feel. It’s easy to use, with improved navigation to help you move through the app more smoothly. You can now view your Savings and Goal balances right in MyLife, so you can keep track of everything in one place. Update to the latest version to start enjoying these new features today.
Stay tuned for more updates coming your way.
Spruce - Mobile banking version 5.5.1
Updated At: 2026-03-13
Changes: Spring is here — hello, Daylight Saving Time! This release includes a few behind-the-scenes improvements to help keep things running smoothly.
Spruce - Mobile banking version 5.4.0
Updated At: 2026-02-13
Changes: You can now invite friends to join Spruce.
Invite friends by sharing your referral link or code and spread the word this tax season. When your friend opens a new Spruce account, activates their debit card, and receives at least $200 in qualifying direct deposits within 45 days, you both can earn a cash incentive deposited directly into your Spruce Spending Accounts—helping increase your financial return this tax season.
Spruce - Mobile banking version 5.3.0
Updated At: 2026-01-22
Changes: We're starting the year off strong with the rollout out a new Refer a Friend rewards program. Eligible customers can invite friends to sign up for Spruce and earn a cash reward when the required steps are completed. Open the app to learn more and get started.
Spruce - Mobile banking version 5.2.0
Updated At: 2026-01-08
Changes: Start the new year strong! Refresh your budgets and set yourself up for the year ahead. This update includes ongoing performance and stability improvements. Access upcoming features by keeping your app up to date.
Spruce - Mobile banking version 5.1.0
Updated At: 2025-12-11
Changes: Finish the year in great financial health! This update brings performance and stability improvements. Remember to use Spruce budgeting tools to manage holiday spending and stay on track this season!
Spruce - Mobile banking version 5.0.0
Updated At: 2025-11-25
Changes: The holiday season is here! We’ve made some behind-the-scenes improvements to boost performance and squash bugs, so your app runs smoothly while you focus on what matters most.
Tip: Turn on automatic updates to make sure you always have the latest features and fixes without lifting a finger.
Happy Holidays from the Spruce team!
Disclaimer
Official Google Play Link
We do not host Spruce - Mobile banking on our servers. We did not scan it for viruses, adware, spyware or other type of malware. This app is hosted by Google and passed their terms and conditions to be listed there. We recommend caution when installing it.
The Google Play link for Spruce - Mobile banking is provided to you by apps112.com without any warranties, representations or guarantees of any kind, so access it at your own risk.
If you have questions regarding this particular app contact the publisher directly. For questions about the functionalities of apps112.com contact us.
