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Wells Fargo Mobile App Review: Manage Your Money and Rewards Anywhere You Go

If mobile banking is a priority for you, Wells Fargo Mobile could be the answer to all your on-the-go banking needs. Wells Fargo Mobile is the bank’s official app that lets you easily keep track of your Wells Fargo finances and manage your money without having to step into a brick-and-mortar bank.

Wells Fargo first offered the app in 2011 and has continually improved the product to better serve the bank’s more than 70 million customers. The Wells Fargo mobile app boasts a generally positive rating, with Amazon and Google Play customers giving it the highest ratings compared to customer ratings in other app stores. Wells Fargo Mobile is available for free on Amazon, in the iTunes App Store, Windows Store and on Google Play, where it’s been downloaded 10 to 50 million times.

To help you decide if Wells Fargo Mobile could be right for you, check out some of its basic stats:

Wells Fargo Mobile App at a Glance
Cost to Download Free
Where Available
Downloads (Google Play) 10,000,000 to 50,000,000
Amazon Rating 4 out of 5 stars
iTunes App Store Rating 3 out of 5 stars
Google Play Rating 4.3 out of 5 stars
Windows Store Rating 3.6 out of 5 stars

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In this mobile app review, learn more details about the features, advantages and disadvantages of the Wells Fargo Mobile app.

How to Sign Up for Wells Fargo Mobile

Getting the Wells Fargo Mobile app is easy. Simply follow these steps:

  1. Download the app from the app store of your choice.
  2. Verify your device meets the app’s system requirements.
  3. Accept the request for permission to download.
  4. Once your app has downloaded, open it and Wells Fargo Mobile is ready to use.

In order to use Wells Fargo Mobile, you must have an account — such as checking or savings — with Wells Fargo. You’ll also need to create an online profile, as a username and password are required to log into the app.  

Follow these instructions to create an online profile:

  1. Visit the online enrollment page on the Wells Fargo site and answer a few enrollment questions.
  2. Create a username and password.

Once you’ve created your online profile, go to your downloaded Wells Fargo app and enter your username and password to begin using the app.

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Read: How to Know If Your Bank Is Giving You a Good Deal

How to Use Wells Fargo Mobile

The Wells Fargo mobile app offers customers the convenience of being able to bank from anywhere. “I don’t have to visit the bank to deposit a check,” one Google Play user wrote. Mobile-deposit capability is just one of the helpful features customers can use in the app. Take a look at mobile check deposit and the app’s other main features to see how Wells Fargo Mobile might fulfill your mobile banking needs.

Make Mobile Deposits

You can make a deposit directly into your Wells Fargo checking or savings account by using Wells Fargo Mobile. To make your deposit, select the Wells Fargo Mobile Deposit option within the app. Then, take photos of the front and back of your endorsed check to submit the deposit to your account.

The Wells Fargo Mobile deposit limit varies; you will see an “amount” field that displays your account’s mobile deposit limit.

Pay Bills

Wells Fargo Mobile allows you to easily set up bill payments from your device to any of your payees. You’ll need to be enrolled in Bill Pay to take advantage of this mobile feature. Once you’ve set up your payees online, you can use the mobile app to access and schedule payments. 

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Transfer Funds

App users can transfer funds between accounts as well as to other Wells Fargo customers. To do this, you will first need to add recipients to your transfer list by logging into the Wells Fargo site. According to a Wells Fargo customer service representative, the transfer limits are $2,000 per day and $4,000 per month.

Send and Receive Money by Email Address or Mobile Number

You can send and receive money using Wells Fargo SurePay within the app. SurePay allows you to send money to anyone with a U.S. bank account — not just Wells Fargo customers. Sharing account numbers is unnecessary; you can simply use an email address or phone number to send your person-to-person payment. The daily limit for this feature is $2,000; the monthly limit is $4,000.

Money Management Tools

Wells Fargo Mobile offers My Spending Report, a tool that provides a breakdown of your expenses so you can better manage your finances. Wells Fargo credit card holders also have the option to view their credit card transactions and program rewards, making it easy to track spending and card benefits.

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Other Features

In addition to its main features, Wells Fargo Mobile also offers other helpful options, including:

 

 

Security Measures for the Wells Fargo Mobile App

Wells Fargo offers an Online Security Guarantee, which gives customers added protection against unauthorized account access. To ensure the security of Wells Fargo Mobile users, the bank has taken further safety measures:

The Pros and Cons of the Wells Fargo Mobile App

Wells Fargo Mobile might be worth considering if you’re a Wells Fargo customer looking for banking convenience from the palm of your hand. If you’re on the fence about downloading the app, take a look at its advantages and disadvantages to help you decide.

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The Pros: Reward Tracking, Money Management and More

Wells Fargo Mobile users have access to money management tools like My Spending Report, and Wells Fargo credit card holders can track their credit card transactions and program rewards through the app, too. A number of features make Wells Fargo Mobile popular with users:

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The Cons: Slow Speeds and Log-Out Alerts

App users point out fewer disadvantages than advantages, but these reported issues might make you want to avoid Wells Fargo Mobile:

If you find that these negative features cancel out the positive aspects of Wells Fargo Mobile, you might want to consider similar apps as alternatives.

Read: Your Guide to Wells Fargo SWIFT Codes

Apps Similar to Wells Fargo Mobile App

Although Wells Fargo Mobile is the only app designed specifically for the bank’s customers, other mobile banking and payment apps are available. Check out a couple of apps that could be useful alternatives to Wells Fargo Mobile.

Bank of America Mobile Banking

You might consider the Bank of America Mobile Banking app as another banking option. The Bank of America app offers many of the same features as Wells Fargo Mobile, including the ability to deposit checks and make payments to anyone with a mobile number or email address.

The app has a three-star rating in the iTunes App store and a 4.2-star rating in the Google Play store, with 10,000,000 to 50,000,000 installs.

The Bank of America Mobile Banking app also offers bill pay, electronic money transfer and mobile check deposit. App users can also set travel notices for eligible cards, and activate and renew cards.

Venmo

If you like the Wells Fargo SurePay feature but find the app’s other banking features unnecessary, then Venmo might be a better option for you. The app allows you to send money for free and to transfer funds to any bank account overnight.

The Venmo app has earned a 4.5-star rating in the iTunes App Store and a 4.6-star rating in Google Play, where it’s been downloaded 1,000,000 to 5,000,000 times.

Venmo charges a 3 percent fee on credit cards and some debit cards, and recipients must also have a Venmo account to receive funds. You can transfer up to $19,999.99 per week, with a cap of $3,000 per transfer.

Wells Fargo Mobile Delivers Money Management Tools and More

The Wells Fargo app’s three- to four-star ratings suggest that users are generally satisfied with its performance. The app’s greatest attribute seems to be the convenience it offers Wells Fargo customers who might not live near a bank branch or simply want to perform a number of banking tasks on the go. Features like My Spending Report and credit card rewards tracking are also major advantages of using this app.

Still, according to some Amazon, Google Play, and iTunes App Store reviewers, Wells Fargo Mobile has some kinks to work out. If slow load times and problems with pop-up messages are deal breakers for you, you might want to consider an alternative banking app.

Read: 5 Signs You Have a Spending Problem