Mint Mobile

In Feb of 2023 I purchased a $10 international roaming credit; this was never applied to my plan.

I used their chat feature to complain and was assured the credit would get applied but it never was.

On 1 October, I called and spoke to the rudest, most condescending support representative I have ever encountered. He claimed that international roaming credits “do not last forever” and that there was nothing on their site that said they did. When I pointed him to the Mint URL that said they do last forever, he accused me of going to a fraudulent website.

I then referred him to the Mint Mobile App which said exactly the same thing and he said that I he “couldn’t see that” on the app.

When I asked to be put through to a supervisor, he wouldn’t do it. I asked for a complaints procedure and a phone number or other contact details I could use; he gave me a bogus, non-Mint phone number. He then hung up on me.

I’ve attached a screen-shot from the application that clearly show taht international roaming credits never expire

One of the best things about Mint is that it allows me to keep track of the activity on my cards in one place that I check often. I recently caught a couple cases of credit card fraud just by looking at Mint. Of course you can do this by signing in to your bank and credit card accounts, too, but I like that I don't need to input those sensitive passwords every time--and I can keep all the info in one place, which not all banks let you do.

I love Mint's Trends feature, which easily lets me search how much I've spent on food or bills or coffee shops that month or year. I find myself whipping it out whenever I need to confirm business expenses on forms or estimate how much I might need for future vacations. Just seeing progress on Mint makes me want to save money, and I definitely feel more in control of my finances when I use tools like this. (Granted, I am the kind of person who would track my expenses on pen and paper even if I didn't have this app.)

However, the website still has many functions that the app hasn't integrated yet, and there are bugs and improvements the developers can work out (and they'll be most incentivized to do so the more users they get!):

1. Sometimes transactions get re-categorized when Mint loads, so that you have to scroll back in time to make sure the data you entered is still correct. (Example: if Mint automatically recognizes one transaction as Groceries and you change it to Coffee Shops, the next time you log in it may have reverted back to Groceries.) Occasionally I even see duplicates of the same expense.

2. The Budgets feature is not useful, as it doesn't actually take into account how the expenses outside of the categories you explicitly budgeted add up and eat into your income.

3. Mint has no option to show expenses split between people, so if you charge something to your card that was partially reimbursed, there's no way to show how much you actually spent. Similarly, if you get reimbursed for something, there's no easy way to show how one deposit cancels out a previous, specific expense.

There are other issues, too, depending on how you want to use Mint. I'd say it's a great tool to get started if you don't currently have a system of tracking expenses in place. If you're more finicky about your tools, you may be annoyed with some of Mint's bugs and limitations, but if you're obsessive like me you'll find ways to work around them. It's one of the apps I use and love most, as I don't mind the extra labor required to maintain its accuracy.

I really like Mint. And it has help me understand how to better budget and know where my money is being spent. However, there are a few features that would just need to be added and or fixed in order for me to be 100% sold.

1. My number one issue is that they don't connect with Credit One Bank. I have a lot of credit with these cards and it's annoying that I can't keep track of them. Not even manually. If they could create a relationship with this bank than I honestly could over look all the other issues I have with them.

2. It takes forever for them to refresh my Bank which is Bank of America. All of my credit cards are refreshed every hour or couple of hours it seems like. If they had a feature or an upgrade to view my accounts in real time I would pay for it.

3. Mint gives you the option to edit transactions while they're still processing. Which is awesome because sometimes it can take a few days to fully clear and I might forget what I actually bought in a couple of days. But when the transactions actually do clear all the edits/corrections I make on the pending transactions reset! So annoying. They should not allow us to make changes if they aren't going to be permenant.

4. These are not so much issues, but more like suggestions. As a novice budgeter I often find myself going back and forth about what categories the transactions should be in. I would love it if they included some type of education on selecting categories (for tax purposes). I would also love it if they provided more education on the 50/30 rule (and maybe even integrate the rule into the budgeting software so we can not only set up our budget by category but by the 50/30 rule as well. That way we can make sure we aren't spending more that 50% of our income on fixed/necessary bills, 30% on fun, and 20% on savings...) I think that would be a great feature.

5. The last issue I have is that Mint is not the most user friendly. I'm very good with technology, but I find it hard to access certain features on the app. Or to remember where or how I accessed a certain feature. I feel like they could set the "Monthly" tab up better. To be honest I really love the new app TrueBill and how they have theirs set up. It's really pretty and user friendly. They also offer a real time option. But they too have issues and since they're so new the cons definately out way the pros so I'm sticking with Mint for now.

Hopefully they implement some of these feature upgrades this year becuase I really like the app! But there's obviously always room for improvement. ;)

UPDATE 9/1: To make matters even worse, Mint has completely changed the entire user interface, so all the features are spread out across several disparate windows, each over 50% advertising. It’s seriously like they think they’re being paid to make the app less usable…
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I used to love this app and suggest it to all my friends looking for a personal budgeting app, but over the last year, it’s had a pretty steady decline quality.

First, the option to create new subcategories was removed. If you, say, wanted to create a new category for “Gym” instead of lumping it together with “Health & Doctor” (because why would you want the same budget for both anyway?), Mint one day decided “Well that’s too bad”. Even if you do create a budget for “Gym”, every expense you add to it is now double-counted: both for “Gym” AND for “Health & Doctor”, for some reason I still have not been able to imagine. To replace a previously very useful feature that allowed you to have budgets as specific or general as you wished, they now require that you keep track of some weirdly elaborate system of double-budgeting budgets within budgets (budget-ception?). Why they didn’t give long-time users the option to choose between the original and convoluted new feature, I also don’t know.

Out of habit, I stuck with Mint anyway, but in recent months the sync feature has steadily deteriorated. Mint is supposed to be able to log your credit/debut card purchases automatically, and then you edit the category or split the purchase as you wish. Unfortunately, Mint now takes up to a week (up from 1-2 days) to correctly add the purchase, which of course makes impossible following a budget in the first place! Even worse, if you say, put a large dinner purchase on your card to split with your friends and attempt to split it on Mint, now it is unable to save & sync your changes for over a week (sometimes up to 2), so you have to keep track in your head all of the errors to Mint’s estimate of your budget, while you try to just mentally budget instead.

At this point, I don’t even see the point of a personal budget app at all, if I have to mentally keep track of all my budgets-within-budgets and what transactions Mint won’t let me correct anyway. If syncing errors take up to half-a-month anyway to fix, and Mint forces you to budget STRICTLY by month (without EVER letting you alter previous months in any way), then Mint has failed to create an app that actually replaces mental budgeting. I may have used this for 6 years, but you can sign me off, Coach. Mint is done.

Update 6/16 - I had really hoped that Mint would update the app to correct all the problems from the last dehancement but I see no change in the app. I have to manually update all the accounts. This takes away from the most useful features. Since I have to manually update all the accounts, I no longer receive notifications that accounts are due to be paid. Also many of the categories are wrong now. Exp: AT&T showing as home phone when it is my mobile phone bill. After updating accounts then I get an incorrect over budget notification on home phone. I now have to update the categories on half the transactions, transactions that have been the same for years. After years of Mint knowing this was a mobile phone bill it suddenly decides to change the category. So after I manually update accounts, Mint now sends me several useless notifications based on bad budgeting categories. The entire app is just a mess now. I hope you are working on corrections and will thoroughly test any changes made from now own. People’s finances are extremely important and code shouldn’t be changed without rigorous testing. I’m looking forward to updating my rating soon. Thanks.
6/6 - I have had this app since it was PageOnce. I really rely on this app. I am giving it 4 stars based on the length of time I have used it and the over all performance during these many years. However, I will have to change my rating to a 1 star review if the problems aren’t corrected in a few days. As of now, this app is of very little use. It wasn’t updating balances at all for me for many days. Since the latest update, I can now go to accounts and individually refresh each account. This won’t work on all accounts each time. The app is no longer useful. If I manually update I can get a snapshot of my finances and get alerts that may be 2 or three days old depending on the last time I manually updated. I no longer receive alerts that I have bills due. I just can’t stress how much I rely on this app. To have all my accounts in one app and receive alerts about credits and debits and upcoming bill plus notifications of balances and bills due really made this app the most important app on my phone. When you cut the fat, you took away all the important functionality. Without automatic updates this app is just a way to see your financial status when you have time to update each account and wait for the refresh. Please add back enough fat to automatically refresh each account at least once a day. This used to be such a great app. Thanks for such a valuable app and thanks for working to correct the problems.

How does a once-great app go so wrong?

I’ve been using Mint since it first came out, long before the Intuit acquisition.

Mint used to be amazing with great budgeting features that just figured out almost everything correctly about your income and expenses and actually gave useful insight into making adjustments to meet financial goals.

Now Mint miscategorizes almost everything. It gives really no helpful insight. It constantly recommends that you get one of their sponsors’ credit cards on false recommendations about what Mint supposedly knows about your existing cards. But it’s incorrect information which is actually worse than having nothing.

I’ve continued to use it just to have a top level view of retirement and bank accounts consolidated into a single location.

But the app is so buggy that I’m going to have to stop fooling around with it and wasting time.

Every few weeks the app will simply stop opening and requires me to uninstall and reinstall the app. It then takes 15 to 20 minutes to re-download all of the financial data to the phone. I have a 530Mbit connection so the issue is definitely not the download speed on my end.

Probably 10% of the times that I attempt to sign in, the process will timeout or give a server error. I’m signing in with Face ID so I don’t think it’s an issue of entering incorrect credentials.

Sometimes accounts simply stop syncing. The only way to get them to start again is to remove them and re-add them. This loses all the historical transactions and then only goes back 90 days from when the account was added back.

In the past months, accounts at some financial institutions have been updated to prefer a new connection protocol. Mint warns that you’ll lose access to these accounts if you do not update the connection. Despite dozens of attempts, every single time that I’ve run the step to do the update on two different accounts, the update process has failed.

I’m leaving this feedback hoping that the Mint team will take this app seriously again and make it reliable and useful like it used to be. There has to be volumes of error logs to review and see what’s happening in many of these situations.

And I can’t help but think that there’s some sort of quality control with anonymized data any motivated human on the team should be able to look at and say “Whoa, that isn’t even remotely how the algorithms should categorize these transactions. And that recommendation is completely illogical. And that amount of budget left for the month is actually 11x the average income. Something is wrong here!”

Here’s to hoping that someone on the team does!

Update: After this initial review the developer did reach out and inform me that the methods or means I am looking for could be found using the website, not within the app itself.

I thank them for that, and will look into it further.

The fact that the app will connect and sync to a fashion with my Chase accounts is a nice feature, and the one in which I will continue to use this app. Mint, thus far is the best at this.

That being said, it is a very sad fact that this and most apps like this do not allow to run reports based on categories! Am I the only consumer out here that may: play golf at a different venue, purchase wine from multiple places, or any number of different places that to me fall into a “category”! That is what I need to see, not where I buy something ... I will throw groceries into a huge category, but it is the extras of life that I may need to trim, and see.

And I am not wishing a colorful wheel, I wish to have a printed copy on paper that I may run quarterly and see on paper. Sorry old fashion, and I like paper files to refer back to. ... the colorful wheel is fine for weekly/monthly stuff. When you set print against print over a period of time, I have only myself to blame or congratulate.

I would love the ability to ask: Over the last 6 months what did I spend on “clothing”, what did I spend on “dinning”? And tell me, that only! If there is a method, my apologies, I wish to learn, please teach me.

Also, I may be using the app incorrectly, but for the life of me I can not figure out how to globally change its self assigned category to a venue to the one that actually applies! Many apps “self learn”, I have not found this to be the case. So, every month I reassign to the correct category. ... I must be odd, but where I bought something means nothing to me, what and why does!

I may be speaking only for myself, and yes it will depend upon the size of the purchase, or multiples of that purchase to make a difference: but it is the category “or the reason why” the purchase that was made that make a difference when I look back.

Give me the power to create and run reports that are meaningful i.e.: clothing the last six months vs same period last year( pick any category you wish and any time period you wish and let me know. Only then will I know my improvements or not! ) And, give me the power to override the systems idea of what is the correct category for a venue. Then you will have created an app truly worth something. In the meantime, I will have to work around it.

However, do the above, and I will pay for it! Under the category of “software”.

It's very good for historical tracking, alerting and centralization of all accounts for an overall view of finances, but Budgeting is very poor. Can't delete transactions - can only be placed in a 'Remove from Mint' category. It still shows up on the register though, which is pretty annoying. Budgets round to only whole number, rather than carry to two decimal places. Doesn't match pending transactions which you've manually added for money spent one day against it's cleared or posted transactions from the bank the next day. Reporting should be how you're tracking on every permutation of actual income vs. Actual expenses vs budgeted expense vs budgeted income at a day, week, month, year and user-specified time interval at both a category and time period total summary level. I tried to use the city comparison feature, but it was not an apples to apples comparison since it added all expenses over all time for me but not for the city. There's no way I spend 12k over 4 months for Housing but Atlanta spends only 2700 for the same period of time. For "Last Month", the Net Income graph doesn't show the bold line for difference between income and expense. Without that, it's showing Income vs Expense and not Net Income. Net Worth is similar. Graphs work appropriately for "this Year" and "All Time" time periods though. There should be a report where you can see all upcoming bills for a time period, as well as the status of your sent payment and bank posting of those bills in either calendar or list view. I find the alerts of limited use since I can't get an overview of all bills in one place. Since I have multiple credit cards from the same bank, I wanted to rename the accounts so I could tell which was which. For some reason, it let me rename one account but not the others. I'd like to be able to report on a sum of categories; e.g., my paycheck, my spouse's paycheck and both paychecks together over a chosen time period. Since we have multiple accounts, I'd also want to budget certain categories to one checking account and others to a different checking account. For one time categories like Christmas, I keep money in a savings account until I'm ready to spend it. Because of this, I need to be able to make transfers in budgeting so that I don't double count. It would be nice if we could view check images, so that I could easily identify the payee. Overall, Mint is a slick intuitive interface, but missing key budgeting and reporting features to be of viable use for real budgeting. I would highly recommend for financial centralization, especially since it has a much nicer interface than most banks and brokerages.

I'm surprised this app has such uniformly positive reviews. The features are lacking for flexibility, often so poorly thought out that they are useless. This is billed as a way to track and understand your finances; in reality, it does little more than aggregate online banking statements, auto-assign broad categories, then present pretty but useless charts and graphs.

For instance, you're looking at your pie chart of expenses and you're thinking, "Why is the food and dining slice so large this month?" The app doesn't allow you to examine a top-level category to see a breakdown according to sub-categories. How is that not a no-brainer feature? Even if you start from the transaction list, you can't filter or group by category. This kind of failure is not the exception in this app; it is the rule.

The interface also leaves a lot to be desired. Expenses are grouped into broad categories then subdivided to specifics, and that is how it should be presented to me. It should take me two taps to select "health" and then "vitamins" or whatever. There is no reason I should have to scroll through multiple screenfuls of options when selecting a category.

The same applies to the app as a whole. Everything in the app is presented on either "updates" or "overview." Get ready to scroll again, because God forbid someone think about designing a mobile app so that the interface elements fit on the screen. Just two main interface panes, though, that should streamline things, I should know instantly which pane has the item I want. Guess again. Apparently, an alert is considered part of overview, but the intrusive and un-hideable advice blurbs are updates. Okay.

Although you can create custom tags and expenses on the website, you can't do it in the app. Once they're created they will show up in the app, but don't worry, they're garbage. You can't view tagged groups of transactions in the app at all, and every user-defined expense is grouped under "Miscellaneous." Say you sometimes have dinner parties. Obviously you'll be buying food for those. Good luck figuring out what portion of your food budget goes to the parties. You can tag individual transactions "party" -- but so what? the app is just going to show your food expenses as one big chunk. You could create a custom category, but not as a sub-option of "food," nope, it's going to get lumped in with "miscellaneous" along with every other custom category. VERY simple use case, but somehow this kind of thing never occurred to the developers. Someone just wants to see how much they spend throwing dinner parties. Can't be done. Idiotic.

Not hyperbole: This is the worst app I have used in the last six months.

I was looking for an automated budgeting app that would effortlessly track each expense and bill. This came up after I had tried YNAB for budgeting, but found the setup unwieldy, and the manual entry of each purchase was very cumbersome. Plus YNAB is not cheap! Mint offers a great, free, easy to use solution for automatically posting transactions from all of the accounts you use. It does take a little time to set up at first, and with some accounts, I needed to work at it (and alerts do still pop up). However, in the end -- and with their Excellent customer support -- I was able to get it done. It gives you a great, easy to use picture of your overall financial health, net worth, and cash flow.

I have a set of Google Docs I use for the same basic purpose (tracking bills, mortgage, net worth estimation, and more general budgeting). This has its own idiosyncrasies, yet I will probably keep it because I'm used to it, and it works for me. But that takes logging in to each account individually, copying or remembering an amount and date, then changing windows to transfer bill amounts or balances to the spreadsheet. This app does all of the above, seamlessly, and you can call up the info at any time with the click of an icon.

I run our family's finances, so wanted to use Mint as a family budgeting app, rather than just a personal one. Fortunately I do all of the bill paying, most spending is on a (rewards) CC, and my wife's income comes into our Joint account, which makes it (pretty much) work like I had hoped. I am still adjusting budgets, because the categories differ from those in my own wonky GooDoc version. For people with separate accounts or CCs, (or with a lot of cash spending), this may not work as well for family budgeting. It will still be powerful as a personal tool for you to track your own finances.

True, it is a little unnerving to have to put all of your financial passwords in one app. But those are easily changed if a problem pops up with one, and they are as protected as with your bank. The app also helps give you visibility, should you have any unauthorized transactions -- you will be more likely to see them.

BTW, the bill / payment due reminders are great. I think it'll help me to never (unintentionally) be late on a bill again!

Overall, I am highly satisfied with the app so far, and plan to keep it (and put it on my wife's devices, so she can track expenses, too). I'll keep working on setting the budgets, massaging expense categories, and training it to recognize which ones different transactions go into. But hope to use it for what I originally I wanted -- an easy, automated way to keep an eye on finances.

Mint is terrific and has evolved over time. There’s nothing BAD with the app, but users should be aware of these problems which have been ongoing, and I only write this so the app developer can improve it, to try to explain why it may not be good for some users, and where it can be improved.

1. Mint and TurboTax are now all Intuit products. I thought this was great, as the message was turbo tax would be integrated into the app, but it was not. There’s no easy way to hit a “turbo tax” tab. All I see when I open up mint is a popup of the fact that I submitted my tax returns, and how to check on status. Yet weeks after getting my refund, the app makes it seem like neither state or federal refund arrived. How is that up to date? The integration of turbo tax was sloppy. I’m better off just sticking to turbo tax app. All you did was complicate an already busy and unwieldy UI.

2. Every time I open Mint, there are at least three accounts that Mint always has “trouble accessing.” If you can’t access my accounts after I share my personal info with you, then why am I using you. You make it easy to connect to large institutions but not smaller ones. This is a major hassle-leaning toward not worth it. It seems this app may be best for ripple with many assets through only large banks.

3. I can’t connect my Apple Card. And while that may have been an Apple decision, the fact is I use that as my primary credit card as I get the most rewards. So how can Mint help me if I cannot include all my accounts, esp a major one? How can you help me budget? I get this may be out of your control, but the fact remains that 2 large entities are unable to work out a deal so that I, the consumer, can monitor my finances. It may be that all finance apps like Mint can’t link their Apple Card (a Goldman Sachs card). This needs to be resolved. I may stop using all of these apps if I can’t connect my Apple Card (I know it’s likely Apple’s fault, but I’m just a consumer trying to be as responsible as I can, and not being able to track all spending renders this app and similar ones moot for budgeting.

I say this because I love Mint, but Apple created a problem for all people who want to use budgeting apps. Please be clear if Mint doesn’t work with Apple Card. As others have noted, your customer service is also bad. There are days without any response. I still have no official response about Apple Card. It’s a shame.

4. Other products provide more educational material for users to strengthen their investing knowledge. You don’t seemed THAT focus on helping people if you don’t actively try to educate them. As I write this review, I’m now questioning why I even have this app...

Can you at least be very clear about connectivity to Apple

Quick review-
***This review is for the bill paying function of the app, I haven't used the other Mint account parts to be able to give a fair review***

-it's clunky, tons of errors connecting to biller accounts, not easy to access all important info (have to collect info from 4 different screens vs a nice summary for each account, more detailed info below)
-I'm guessing the high reviews are for people who have never used the previous bill pay apps, I am certain that no one who has used those previous versions is happy. If you have zero or low expectations I guess you might think you are happy, but only bc you don't know any better!
-don't waste your time on this, trust me!

Longer ----
I have used the bill paying app since it was first called "Pageonce" then the app was sold and it was called "Check" and then it went to Intuit and became Mint Bills then they combined the app Mint and Mint Bills into just Mint. I used this for paying and managing bills and it's failed consistently since they merged the apps. It's clunky to Navigate, much less user friendly to find info quickly but mostly there are CONSTANT problems with connecting to certain accounts that never had trouble before (Macy's card, chase card, our electric account) and I have I spend 15 mins fixing issues every time I log in. Defeats the purpose of this whole
App. I also can't see all the same info about each card I use to be able to see as easily. For example all on one screen I used to be able to see interest rate im paying, last payment made, next payment amount due date and how much is due, and last time and date account was updated. Now you have to clunk through 5 different screens to get all that info and you still can't get it all (interest rate). don't want to spend so much time going to each account waiting to see if it's updated, trying to see last payment amount then seeing there was a connection problem so 50 percent of the time I'm having
To log directly into the biller account anyways.

The whole point of this app is to make it faster and easier to access account info and pay bills and this doesn't cut it. You would be better off finding a different app or just going to each account individually on your own. Don't waste your time and effort setting up this app it will let you down!
Also side note - the Ads are annoying and sneaky how they are placed right into your accounts overview. That's low fruit Intuit - cmon now. I bet people clink those on accident all the time which was NEVER the case before with my account overview in all the other apps. I'm so sad to lose this but I am done. I gave it a shot for the past 2/3 months since the roll out but I'm off to find a new app.

The sad thing is - the old versions were so crazy helpful I would have paid a monthly subscription just to use it. Now someone would have to pay me to waste anymore time on this one. Good bye old friend !

I really like the Mint app. It really helps keep track of expenses especially when you can just plug all of your accounts into the app.

That being said, as far as my experience goes using this application I feel it has some glaring flaws that I wish would be addressed in future updates.

One flaw is that the app seems to frequently ask me to verify accounts I have already verified as well as asking me randomly if I would like to set up the Touch ID when I have already set up this feature. I’m not sure if these are simply personal experiences, but they happen enough to be bothersome. Mint should remember these things and not constantly be asking me about features or accounts I have already set up.

Another flaw is with budgeting. Budgeting is very inflexible as it locks you into monthly budgeting. Being someone who receives a paycheck on a bi-weekly budget makes trying to budget monthly somewhat of a nightmare. My wife and I gave up on the notion because we wanted to simplify the process by just budgeting paycheck to paycheck on a bi-weekly schedule. This makes Mint unusable for us as far as budgeting goes, and that’s a real shame because the whole point of me getting Mint was to be able to see if it could help us budget simply. Alas, it is inflexible when it comes to the method of budgeting.

I would like to see more options here. There is no such thing as a one size fits all budgeting method, so why Mint forces people to only do monthly budgeting is beyond me. I would like to see the ability to customize the way my budget functions to fit my families needs as well as to fit my paycheck schedule. Mint, if you could do this you’d get a leg up on a lot of other budgeting apps, many of which I do not see the option for bi-weekly budgeting. I would like to be able to create budgets for specific time frames, like from the day I get my paycheck to the day before I get my next paycheck.

Instead, I’m forced to have to do the math as to how much money I will have for the month, and that’s unpredictable as I work hourly and sometimes pull overtime. It’s far less of a headache to begin my budget with a paycheck in hand knowing what I’m working with and the time frame for which I’m using it.

The other huge flaw I see is the inability to create custom categories in app. Sure, you can do this online, but being someone who only has a phone and no computer, the mobile Mint site displays terribly on my iPhone. I’ve tried adding custom categories, but for some reason none of them ever save.

I really like the potential of Mint, but in my opinion it has some glaring flaws and really only works for people who budget monthly and are content with the specific categories already listed.

Capitalize on budgeting customizability by allowing custom budget time windows and options as well as allowing the ability custom categories in-app and I dare say this app would have a far greater reach in the budgeting world.

Over the years I’ve recommended this app to so many people. I help people fix their credit scores all the time and I don’t even start until they download Mint and connect all of their accounts. Heck, I’ve been recommending this app for almost a decade, fool! Now however, I can’t even get a single one of my accounts to sync. Bluebird is blocking you. Now first Tennessee/Horizon is blocking mint. PayPal won’t connect. Every month you put my rent under air travel, at least back when any of that synced up at all. My bills no longer sync. I waste about a half hour a day fooling with this app. I want so badly for this thing to work but it just doesn’t. Every single day, I launch mint and I get the wrong totals, if anything, and I can’t stand it when now, for some reason, upon launch mint wants to load my net spending instead of my net worth, so I have this series of emotions where I’m like, woah, heck yeAh, I got that money I have been waiting to get! Oh nope, nm, you’re just showing my negative transaction total on the top, in big white numbers, as a positive number next to a dollar sign in the same exact style and place that you’d normally- at least for a couple years or technically in some form, ALWAYS- put my balance. Who’s idea was this? It’s so stupid that launching and attempting to use this app has become such a repeated disappointment for me. I can’t remember the last time this app did anything for me besides make me annoyed at best but usually I’m given the wrong totals, or no totals and get depressed and feeling inefficacious. Not to mention how sneaky and extortionist your tax products are. I go into the process knowing you’re trying to trick me into paying you- (I already did fool, you get paid with public funds to offer free tax filing) and I still have to struggle to get around the ridiculously pushy system you have in place to intercept and stop American taxpayers from paying their taxes without throwing away money on a service you can’t competently provide. If you want money, build a good product and just ask for money, don’t put so much energy into underhanded efforts that get you paid by worsening the financial situations of countless human beings who are so accustomed to being leeched off of by any and every prerequisite required to participate in society that we’ve all forgotten what we should be getting out of society in the first place. You’re lucky everyone is too busy carrying on and keeping calm to push back on audacity of how useless tech bros have built empires simply getting in the way of the people who are killing themselves every day getting stuff done. Don’t hide behind offering “a free service” as an excuse to be parasitic. No one asked you to do something free, you chose to, and it’s not free when you make millions off of it, selling god knows what to the next guy with a Tesla who thinks he’s too important to consider consequences or proactively prioritize privacy.
What the heck are you doing mint? I’m deleting this app today. hmu when you actually provide a service again

Ok it’s free. I’m a very experienced bookkeeper and I like to see reports on paper. But Mint developers have decided that we don’t need any print outs. There is also no way to convert Mint files to Quicken files. This I learned after I purchased quicken. I am trying to get Quicken updated so that it will be all correct when I start using it as my primary/only set of books come 2018. I don’t pay any bills with checks or manually. I pay all my bills electronically and paid in full each month. So I don’t get any notices saying I didn’t pay this or that I have shut off those functions if there were function controls. If the Mint developers decided to put printing capabilities onto Mint I would not be looking for any other Accounting programs.

Update 02/28

Ok I never converted to Quicken, I got Intuit’s Mint and Quicken passwords mixed up and I beat myself up for even thinking Quicken was going to resolve my quest to printing out any kind of financial reports. I lost the battle, Mint will always be a virtual app for my that exists only in the clouds. Hey, I rarely see any cash, it’s all numbers I collect in virtual reality. Is there any money, I mean how many have cash in your pockets? I don’t. If something is cash only I have to stop at am ATM, get some green money with hundreds of security measures in each dollar bill. So like real money, financial reporting on paper isn’t going to happen inside Mint. Virtual reality only. Oh ya, you only think you money, good luck proving you ever really had any money to begin with. You just have space money. Poof!

Dealing with banks is another whole other. (Whole nother?) situation.

So Intuit’s Mint, I’ll continue to use you with a few more comments. First Intuit cannot seem to work with some company’s computer interface. First Apple’s new Master Card with Barclays Bank will not interface is not available, OK give them a break because the Barclays is new to credit cards. Nope, no breaks, Apple should have thought of people wanting to use computers to track their finances. Day one Intuit should have gone after Apple to insure the integration into all financial products. So I’m not using my Metal Apple Cool Master Card. The other program that is a no go is Best Buy they switched to CITI Bank from that other horrible blood sucking bank the grants you credit at a out languish rate somewhere over 25%. But that’s not bad, look at the bank’s interest rates that are promoted here on Mint. Some rates go up to 39%. 39% who in there right mind would let a balance ride month to month. Do blame Mint for this? Ya. Intuit promotes these Banks for lots of money. It’s the reason Mint is free, so they can collect the big advertisement dollars so these banks continue giving kick backs, because there’s lots of money in the middle and poor and build more shiny buildings and the CEOs multi million dollar bonuses.

Sorry for going off, but we still have no reports in Mint and it’s not even an option. I guess Mint will always be free, sending sheep to slaughter.

That’s all Fokes!
Dan Berns

I've used Mint for years and was generally happy. Unfortunately, my last attempts over the past year to get customer service over a minor issue left me feeling I was getting the runaround and was being gas-lighted. There was no serious effort on the part of Mint to resolve the issue. So, finally, I lost trust in their support. A couple years ago, I noticed that the check number was no longer coming across to Mint from my credit union. This worked fine, and then suddenly, there was no check number, which we used to match up transactions. Mint support said it wasn't Mint and was the CU, but even getting that answer took a bit of doing. So I contacted the credit union, and over several months they said that they had contacted Mint and that the Mint aggregation engineers had resolved the issue. I should contact Mint if it continued. Alas, that turned out not to be true: the problem persisted, and Mint would neither confirm nor deny that they had even worked with the credit union. So no way for me to tell who is telling the truth. But Mint categorically said that they do not get the check number, and there is absolutely nothing they can do for me. So I ran an experiment. I started using another financial tracking service similar to Mint but with fewer features. And, guess what? The check number is coming across to that new service (and still not to Mint). So it confirms to me that I was just getting the runaround, and in this case, Mint told me something that clearly is not true. As a retired software guy, I have worked on transferring financial data, and a check number is an easy and minor thing. It is relatively easy to see if the data is coming across from one system to another, where the fault lies, and to provide each side with examples. It is also is a core competency of Mint to transfer this data correctly. So why was it so impossible for Mint to help me? I don't have a clue. However, once trust is broken, it is hard to repair, so I am done with Mint. A couple other issues: - Mint sometimes auto-categorizes transactions in ways I could not figure out because it didn't match my rules. I finally, after a couple attempts, got a support person at Mint who told me that Mint uses the categorizing from other people's accounts and applies them to your transactions. And there is no way to control this and no transparency. I don't like that, and I don't like the lack of transparency. But it did explain the bizarre and persistent behavior. I would rather have something say "Uncategorized" than have incorrectly categorized transactions that are easy to miss. - I would rather pay for a service and have them work for my business while providing them with steady income with a subscription rather than have them try to upsell me stuff. - And I worry about how my data is being mined and used (see the above two reasons).

***
In response to Ash at Mint: the best time to keep a customer is before you lose them! My data is already deleted so it would be a big effort on my part. Not worth it at this point. You folks had your chances over a long period of time.

I started using Mint in 2016 and have finally decided today is my last day.

The app is plagued by frustratingly pervasive issues that have existed since I started using Mint years ago.

1. Mint is terrible at predicting categories. Part of the sell of the app is that it will automatically suggest a budget category for every transaction, based on key words that appear in the description of the transaction or the name of the vendor. It does this very poorly, meaning that frequently you will have to manually adjust the budget that the transaction falls under. The result is a lot of time spent in the app just tinkering (this is exactly what Mint wants so they can put more credit card adds in your face). If you miss a transaction your budgets for the month will be messed up.

2. You must manually adjust the budget category every single transaction posted to or from Venmo, Cash App, QuickPay, or any other digital money transfer service. Part of the reason this happens is because banks will label these transactions as “transfers” or something generic like that, but it’s disappointing to see that after so many years Mint still does not have a viable solution to this problem.

3. Budget controls are minimal. Many other tools like Honeywell have far more advanced tools for setting, adjusting, and customizing your budget depending on your needs.

4. The ability to uncover insights about your spending is minimal, especially on mobile. Mint will show simple bar graphs or pie charts that break down your spending, but that’s it. There is no way to break-out these visualizations on certain criteria to explore trends in your spending or saving habits. The one nice thing mint does have is the ability to compare your spending habits against certain geographic demographics, but that’s it. It’s not helpful for me to know how my spending compares to the rest of my city— but it would be helpful to know how my spending compares to other people in a similar income bracket, neighborhood, age demographic, or industry.

5. Alerts are dumb and spammy. Frequently I will see an alert that looks something like “HIGH SPENDING: You’ve spent $1125.00 on Rent this month; you usually spend $1124.89 on Rent”. Hopefully I don’t need to explain why that is not helpful. There’s no way to adjust the thresholds that trigger these alerts, so your only recourse is to ignore them. The only redeemable part about these alerts is that it will help you find transactions that Mint put in the wrong category.

6. Adds. So. Many. Adds. I would gladly pay a monthly fee to use this app instead of having credit card offers be the first thing I see literally every single time I open the app. Links to these are everywhere, so just navigating around the app usually means accidentally tapping on one of these: now you’ll be see adds for that card all over the place.

It’s too bad because budgeting tools like Mint are so important for financial health, but what’s the point of keeping track of a budget with an app if it requires so much manual work and so few tools to manage it. You’re honestly better off using a budgeting template in Excel.

It's going on 4 days now I've been hung up on documented 14 times I have been treated like I have never been treated by any business in my entire life this has been a complete 100% to boggle and the employees have absolutely no regards for the car for the customer service or the customer I've documented 11.6 hours trying to come to a conclusion on how it is that I can get my telephone number from being held hostage I have literally been hung up on 18 times and I have names of every single person including two managers this is a absolute horrifying mess this is my business phone and I have been out of business for 4 days and I'm going to lose everything the employees have laughed at me and put me on hold when I come when I was telling you my complaints I am disgusted with the service it is absolutely horrible the way that they're treating me I need to get this resolved as soon as possible I need to get my number free from mint and it's nasty ways

I signed up for Mint Mobile 3 months pack plan and the eSim they sent me just simply did not work. I had to call their customer line from Skype (paid for Skype as well as I did not have any other way to call) 4 times and stay on the line for about an hour each time. I also had to buy a data eSim from another app to have at least some data on my phone which cost me another 15$ (same price is a month with Mint). The total of this waiting time, stress and buying additional data and services cost me much more than if I stayed with my previous prepaid plan.

Called Mint regarding the reimbursement - they refused to provide any compensation for all the trouble I went through except for 5$ on my account so that i can apply that when i am buying next 3 months from them for much higher plan rates than now. Is it a joke?

The supervisor I talked to was - Vi C - was useless and did not help.

I have been trying to connect a second phone on a second line since late June. found the second phone to be faulty. Was told twice that I would receive a code and shipping number for returning the phone to mint. Never heard anything but did find out that second line is active . I have decided to cancel the second line. It is almost impossible to call and talk with someone from customer service.

UPDATE 3/3: Categories no longer “stick” regardless of whether I enter them on my mobile app or desktop computer. Regardless of what device I use to make the change, I come back later and find my transactions’ categories changed from what I put. THIS MAKES MY BUDGETS RATHER USELESS.

I’ve seen a number of other reviews, both here and on other sites, complaining that Mint has developed sync issues over the last couple years or so, which the company is doing nothing to fix (this has certainly been my experience).

I will be switching to YNAB.

ORIGINAL 1/3: When I change categories of transactions using the mobile app, many of them keep reverting back to the category that Mint automatically assigned them. This is extremely annoying, and it means that I can’t trust that my budgets are accurate unless I first comb through every transaction to make sure they’re accurately categorized. I often have to re-categorize the same transaction two or three times before it sticks.

This just started happening in the last three months or so, even though I’ve used Mint for years. My app is up-to-date.

When I contacted Mint customer care about this, I was told that I should not expect anything different because the app is really meant just for viewing information, not making changes.

If the app is meant only for viewing information, it should be view-only with no editing options available. If you want to let me make changes through the app, those changes need to *work.

I rarely review things on the App Store, but I’m bummed enough to leave one here. Ive used Mint online for years, and I think its a pretty powerful platform, but the iOS apps they’ve made for iPad and iPhone are rendered useless because you can’t even see a list of your transactions. That’s the main feature I use. I want to see my list of transactions, and see all of them, and be able to recategorize them. That’s all I use Mint for. Categorize my transactions so I can see an overview of my spending at the end of each month/ year.

So overall, I would much rather log into a desktop web browser than use their apps. On iPad the other thing I’d comment on is the user experience for the “main toolbar” or navigation buttons. At first glance, I assumed I would be able to click each button once to toggle through the different screens. But each time you click on one of the navigation buttons, it pulls up a pop up window over the main interface, rather than repopulating the existing interface on screen. This means that in order to click on a different navigation button, you have to first click an “X” to close the new pop up window, BEFORE you can click on the next navigation button. For someone who looks at the navigation button icons and doesn’t know what each one means, I’d like to quickly tap each button to see what each button/ feature is. But the pop up window makes this unnecessarily inefficient.

So, I still recommend Mint, but only if you use the Desktop web browser.

Update: Yea, the intrusive pop ups chilled out, but now I’m disappointed I wasted my money on the Premium version. There’s no automatic updates for my bank, and even when I authorize the account manually each time I use Mint as the suggested workaround , it never updates the numbers. I’ve been shown the same balance and transactions that were there day 1, little more. I’m going to be requesting a refund.

Potential is definitely there, but the execution is just not useful, sadly.

More importantly, how about a simple disclaimer that certain banks may not work with the app properly? Could have spared me the expense and the time about to be taken trying to get my money back.

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Previous Review: I haven’t even been on the app for 10 minutes total and I’ve already been bombarded with internal pop ups asking if I liked how a specific function works with a comment box, to rate the app, or if I would recommend it to a friend on a scale of 1 to 10 with comment box. All things you have to move out of the way to get back to using the app. Intrusive and distracting to the UX. At least let me log a couple hours first guys, c’mon. Praying this doesn’t stick, but not a great first impression. As someone trying to make sure I’m getting my finances under control you kind of want to be in a nice state of flow for this and the constant pop ups creates a slight feeling of alarm and tension that snaps you out of what you’re using to the app for in the first place. I’ll come back and update if things calm down.

Update: Even worse than before. On top of not being able to log on some of my accounts, now the app freezes a lot. Every time I try to update some of my accounts or try to re-login, the app freezes, it shows a blurry image of the “connecting” window and even after I close the app, when I re-open it, that image is still there. The other day I uninstalled the app, installed it back and once I start trying to re-login or update some accounts, it freezes again, with the same blurry image. Frustrating!
Original: Is it going downhill? This app has served me pretty well for a few years, but recently it started logging me out of my accounts and I can’t log back in. I waited a few weeks, tried logging back in with the same result, I always get messages saying that I should check my credentials, check for typo (the credentials are accurate, I use them to log in on websites), or that something unexpected happened and I can’t log in. I don’t know, it’s been weeks, if not months, since it all started. I started deleting my accounts (and losing all my history for years up to this point) to start afresh, only to get the same messages over and over again. If you ask me, they’re nationwide big companies. The app itself is great, beautiful UI, very helpful to have all your accounts, bills, all your spending in one place. All registered accounts work flawlessly, they’re updating fast, couldn’t ask for more. And that’s exactly why it’s so annoying to have some accounts hanging at the top of the screen trying for weeks to update.

I’ve been using this app for almost 5 years now and most of the time, it’s great. It does what I want it to do and keeps track of my spending and allows me to categorize purchases and set budgets for certain categories every month so I can see what I still have left to pay for the rest of the month at a glance.

Unfortunately I am giving it 2 starts because it has glitches, one of which is making me stop using it altogether. It very often will not update, or my bank account will become unconnected and I have to sign in over and over again to get it to work. Sometimes it won’t load or let me sign in, making me reset my password. Lots of error messages.

Normally I put up with it because I like the app and it does exactly what I want it to do. But recently my account hadn’t updated in 4 days so I contacted support. Talked to three different people over the course of 2 days, none of them provided any useful help. One said she fixed it and to wait 24 hours, but it still wasn’t working. I’ve tried everything multiple times and it won’t let me sync my bank account.

As much as I like this app and want to continue using it, if I can’t sync my bank account to it, there’s no point. I use this app religiously to keep track of all my bills and spending every month so I can be meticulous in saving money, down to the dollar. Without it, it’s very time consuming to track everything. Now I have to try and find something else that will do what Mint does for free and try to keep track of everything by hand until then. So annoying.

Could not rate lower. Rating for the iPhone app, haven’t tried using the website version.

I switched to the app from Dollarbird, because Dollarbird moved to a paid app. The big draw of Mint is the ability to link to multiple accounts, and have spending automatically tracked, instead of the manual spending entry required by other budgeting apps. However, this gets overshadowed by all the deficits.

App is totally unintuitive to use. It’s difficult to find pages where you can look at different spending categories or compare against months. What is findable and available is extremely limited. You can only look at past month spending for a couple months. You can’t go back further and you can’t do a year-over-year analysis from one month to another. (Dollarbird used to do this and even let you download all your past spending data into an Excel file.) How categories are laid out in Mint’s spending summaries also don’t make sense. You would expect the app to total up all “Entertainment” spending, for example, and then give you a drop-down option to see spending in subcategories (for example, “Attractions”, “Movies”, etc.) but instead you only get the subcategories. That makes it harder to see what areas you’ve been spending the most in or how your spending has changed. Finally, it gets really glitchy. Even trying to submit feedback through the app can cause it to crash.

It seems like people have been complaining about this app for years, and a lot of people I’ve talked to eventually stopped using it, with developers slow to make meaningful updates.

UPDATE: I received a generic “developer response” with an invitation to let them know if I have “any further insights or ways they could improve,” but no indication that they actually plan to do anything about fixing THIS problem ... returning the basic “copy” function that has been removed from the app.

I had essentially the same experience when I used the chat help feature on their website ... sympathetic words, but no responsiveness to the issue.

I’m asking, and would really appreciate an answer: is there any intention to fix this?
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Recent “upgrades” have resulted in loss of the COPY function, which I use routinely while editing transaction descriptions to create shorter, more uniform names.

I copy the original transaction description and paste it into the notes field to preserve the original data.

Now when I select the original text in the description field, it only offers “paste” as an option, but not “copy.”

My main use for having the mobile app is to do these edits quickly and easily from my phone in my spare time, without needing to get on my computer, so the app no longer serves its primary purpose for me.

I have waited for several rounds of updates to see if this would be addressed, but it still hasn’t been fixed.

I’ve seen another review mention this issue, and the developers responded to it, so I know they are aware of the issue.

Please help me understand why such a basic function as COPY would be deliberately removed from an app; or if the removal was accidental, why would it not be restored as soon as it was discovered?

Overall, this is a very useful app, but has significant problems that have been worsening for quite some time, some of the most severe bugs have existed for years, and I’ve had to take off more stars as these things should have been fixed.

A few examples of bugs / problems:
- Bills can’t be customized reliably. Attempting to hide bills that you don’t want to track does not hide them and clutters the calendar so badly it is basically unusable.

- Multiple visual and functional bugs. You can’t scroll all the way to the bottom of many lists, and if you do, it glitches and goes back to the top. This has been happening for months.

- Ever since the MintSights ‘upgrade’, the app takes a very long time to load. It also doesn’t stay open at all. Even switching out of the app for a few seconds can cause the whole app to have to reload. This shows that resource utilization is working very very poorly on the back end. I haven’t seen this poor of performance in any other apps.

Another major general complaint I have is the poor ability to track trends in the app. This functionality was okay before, but has been more limited now. You can’t see trends going back as far, it has been limited to 6 months now. If this was to improve performance, it sure hasn’t worked, but this is also a huge reason that people use these apps. It is important for budgeting to compare year by year. Trends should go back at least a year, and preferably 2 years.

All of this has convinced me to start searching for a new online financial service, but I do still really live Mint and I’d be happy to come back if they start to improve it.

Update February 2022:
So I got a late payment fee, the first one ever on this credit card account THAT IS LINKED TO MINT. No alert, it didn’t appear on my bill calendar, nothing. All it did was send me notification of the $29 late fee. THANKS MINT. This app is beyond unreliable, and I’ll be going back to writing dates on a dedicated bill calendar. Use this app at your own risk!

While I appreciate the effort in the new UI, it doesn’t allow full viewing of budgets on desktop and causes major glitches between accounts. App crashes when deleting a custom budget category or trying to edit a transaction in said category, and there’s no way to add a custom category from the app. Duplicate charges are common in the app for no apparent reason (does it assume pending and posted transactions are BOTH charges?). My financial institution requires login verification on literally every login. I feel this is something Mint needs to get in contact with the financial institutions and work on, as there’s nothing I can do from my end, and Mint has been authorized to see my shared info like transactions. Most purchases have to be reviewed to determine what category they’re in (this had previously gotten better, but now is on the downhill again), which is time consuming and ultimately unhelpful for determining an accurate budget. When combined with the duplicate charges, it’s almost unusable. I use it for payment reminders for my loans, and as a quick glance for how much money I’ll have free in a month. If your financial situation requires more than that, I wouldn’t recommend using Mint. Frankly, I have no idea how this has 4.8 stars on the App Store.

This app STILL does not allow you the proper means to create and view a zero-based budget. What a basic feature- you’d think they could get it correct. Mint has to be intentionally screwing this up, there’s no other excuse. If you click on the monthly tab, you can see total remaining and spent/total of your budget amounts. Cool. Cash flow is at the bottom, great. Now click on the budget bar graph and it opens your budget. At the top it tells you “Left Over Cash” which is the net result of TO DATE cash recieved and TO DATE budget spend- which is actually cash flow- NOT left over budget amounts! This information is useless here and is duplicated from the previous tab. I added a $1000 public transportation budget for kicks and there is still no warning or indication that your budgeted expense is larger than your budgeted income. At NO place does it tell you when you have created a zero-based budget (like the website does). Sure they added those graphical bar graphs at the top, but the values are rounded and you can’t even see the exact dollar amount. The only way to tell if you created a zero-based budget is to go back to the previous tab and check your total budgeted amount, and then go back into the income. Budget and compare the two values. I really don’t know what is so hard about this. It is easily fixable by a few simple changes to the user interface. It’s been like this for over a year. Are the intentionally making it difficult to match up your income and expense so that people take advantage of all the credit products they are shoving in peoples face? Who knows! Intuit is losing my respect. Please don’t screw up Turbo Tax. CONTACT ME if you want me to walk you through my comments here on the phone.

The Mint app doesn’t authenticate with banks via the Mint app on IOS. It opens up a tab in Safari and attempts to authenticate with banks or other extremely secure sites to get your extremely secure data!

If there is any failure, which is pretty common when using new passwords and authentications, you can be caught in a state of limbo where you just submitted your extremely secure data across platforms and then failed to authenticate.

Even worse, you can’t cancel in the app. You’re forced to cancel in the browser which assumes you’re fully authenticated. If you’re attempting to create an account in the app like I was, you will not be fully authenticated so I don’t know if cancelling is even possible without filling out more data!

I’m currently in some weird state where I started to create an account but have not fully authenticated so it is hard, if not impossible, for me to follow the steps to cancel my account.

The quickest fix to prevent this (assumed) security vulnerability is to not allow users to sign-up via the app until new customers can authenticate full in the app.

I see the issues described above as potentially dangerous to people looking create an account and share secure information. At best, these issues make new customers prone to being stuck in weird account/authentication states that may affect credit scores, etc (I’m not sure). At worst, new customer could accidentally make their secure banking/investing information vulnerable.

Sorry for a negative review. However, I view the issues described above as mandatory fixes with the quickest fix being: block account creation or, at very least, secure data authentication in the app until redirects persist in-app—even if with what I think is called a web view.