Ally: Bank, Auto & Invest

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 28 Aug 2026

4.7 112157 ratings · App Store

1. 3/5Inconsistent

   I just signed up but am super skeptical. Firstly, my first attempt to sign up was rejected, and it was very apparent there was an issue on the backened because the rejection was immediate and never seemed to attempt processing the application for a new account. I shrugged it off and the next attempt was successful. With that out of the way, I downloaded the app, and man am I disappointed. This is an online bank, and the app does not scream Ally having very good development behind this app. It’s circa 2000 in its look and feel, and feedback when navigating the app. Honestly, it seems the app is nothing more than an embedded web browser that’s just masking as an app. Setting up access to my other bank indicated failure, yet it suddenly showed up out of nowhere as an account I can transfer funds in and out of. The last thing that’s going to make me run away from this bank is that I canceled the transfer of funds via the app, and got a big green check mark the cancellation was successful. I later logged into ally via my desktop and it shows the transfer as scheduled (not cancelled). I pull up the app the verify and the app also shows the transfer as scheduled. I attempted to cancel the transfer via the desktop and it fails. Yet when I try to cancel the transfer again via the application, it shows it as successful. this type of behavior is wildly, inconsistent and cause for concern for managing my money with this bank. Ally, you are falling way short in the user experience in both your mobile and web apps. Invest it overhauling your development teams.

   stlreese · 30 Aug 2026

2. 1/5This bank is awful…

   For starters as a new member you’re getting screwed. the amount you can withdrawal from an atm is fairly low before they decline you from doing it. They have an extremely confusing transaction system where you will be notified twice once at the time of the transaction and then another random point throughout the next couple of days leaving you confused if you were just charged or they just drafted the the charge. Getting into contact with them is almost impossible you have to call or use the live chat option which are both awful the live chat option you’re not gonna get a response for at least 12 hours. If you try to call them you have to go through a 5 min menu selection and carefully select what department you want which by the way the “speak to a representative” option is only given to you after they read through EVERY option and then offer you to visit the website or offer an auto loan then they will ask you if you wanna speak to a representative which good luck because it’s no less than a 46-50 minute wait every time you call them. My last complaint is the fact that they hold EVERYTHING if you use cash app, Venmo, PayPal, etc and you use the “instant transfer option” that typically costs a couple bucks in return to have your money deposited instantly of course you’re looking at a 8-24 hour holding period on those funds despite paying to have it deposited immediately. If you have direct deposit set up through your job you can expect them to hold those funds too on pay day.

   PizzaDog111 · 30 Aug 2026

3. 3/5The toddlerification of a banking app

   I will have to leave the bank if the user interface does not improve. I’ve used Ally for years and the app used to be a pretty sober pretty serious app. The user interface has gradually become toddlerfied—it looks like a banking app for iPad kids. Bold, illegible at a glance text has replaced the elegant and simple text it used to have. When you scroll through transactions, good luck spotting the dark green shade of text in a sea of black text (gone are the red and green, easily distinguishable text). Individual elements have far too much padding, take up too much space, feel like an iPad kid’s plaything. Throughout the app are randomly placed notifications saying “you can deposit money at Walmart” and I’m like ok, fine go away. Nope, can’t close it. An app should have a predictable structure and layout and these random un-closeable tips throw a wrench in that. It is a confusing mess to navigate the simple things you want to do, and it has been nerfed from a functionality standpoint, following a long tradition of developers dumbing down their once great, once powerful apps. The tragic part is there are a few functions you tap on and they bring up pop-ups that have the old, sober, technically mature user interface. It’s hidden behind this nasty skin suit it’s forced to wear. Sad!

   logseib · 30 Aug 2026

4. 2/5Great service, but the app is bad.

   I’ve used a couple of other online banking and investing apps, as well as other financial apps such as those for credit cards or loan accounts. When compared to those apps,I have found ally’s has been underwhelming, confusing, and frustrating at times. For rhe most part, I had found the user interfaces for the other apps very intuitive, easy to navigate, and have small and seemingly insignificant features that are taken for granted until you use an app that doesn’t have them. Such features include buying fractional shares of securities, without which investing in companies such as Berkshire Hathaway (stock currently valued around $450,000/share) becomes impossible to the common investor. Another capability missing from the app is the ability to manage external accounts used to fund your ally accounts - instead, there is a message that says to visit their website to manage your accounts, and while they provide the URL of the website, they could easily provide a link within that message that would take you directly to the site instead of having users exit the app, navigate to their web browser, and then manually enter the URL. Despite how I feel about the app itself, I enjoy ally’s services. This is the only reason that I am leaving this review, in hopes that it will be viewed by the powers that be within the ally organization and that they will take action to overhaul the app.

   Logan J. · 30 Aug 2026

5. 2/5Used to be great, lately not so much

   This app and bank used to be great. At some point in 2022 the app and bank started having issues. The most egregious problem I have had is, after signing in the app say “you have no accounts at Ally bank “. Depending on the situation this can be terrifying. Luckily closing the app and trying again later has brought back my accounts. No exactly confidence inspiring. Often Face ID fails to work. Sometimes it fails to invoke a Face ID check forcing me to hit the Face ID button. Sometimes it performs the Face ID verification but never unlocks the app. Fortunately this can also usually be fixed by closing the app, waiting a while and trying again. When. I can actually get it to authenticate the apps responsiveness is painfully slow. The account screen can take a long time to populate data. I have seen this behavior on my iPhone 13 pro when on excellent WiFi or cellular networks. This also happens on my iPad Pro and my wife’s iPhone. On all these devices we access other services and financial institutions without issue. I suspect that Ally made a change to their back office servers that is causing these problems but that is just speculation. I have lost trust in Ally after being a customer for many years. I opened up another account at a local account because I wasn’t comfortable having the bulk of my assets at Ally any more. This used to be a great bank. I hope they fix their issues.

   Verticaltakeoff · 30 Aug 2026

4.4 40610 ratings · Google Play

1. 1/5

   I made a time sensitive funds transfer thru Ally using Zelle. The company advertises immediate transfer for most transactions or at worst by the following day. Over 24 hours later, the transaction wasn't completed. I reached out to customer support and was told they have no control over transfer speeds, have no way to know why this transfer was delayed, and are unable to help expedite the transfer in any way. Meanwhile, the payment is late and accruing late fees. Agent Franz was unhelpful.

   Christian Burrell · 29 Jul 2026

2. 1/5

   Ally is GM, and GM has abandoned the middle class. Do not use their bank.

   6th Face · 29 Jul 2026

3. 1/5

   very bad app

   Mr. CH · 29 Jul 2026

4. 2/5

   Its ok, but they don't take the money fast enough. it always says pending, when it's been 4 days and some days I can't even tell if my car payment was paid or not.

   Isyss · 29 Jul 2026

5. 1/5

   if I could give it zero stars I would, they make it next to impossible to transfer any money out of the spending account. I opened a spending account so I could accept zelle payments and now that the money is in there I have absolutely no way of getting it out. I have tried adding the account and routing information to venmo, cash app and every other possible mean and it keeps denying the payment method and I know the money is in there because it shows in the spending account that it has money

   Braxton Roods · 29 Jul 2026

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• 26.13.0 · 19 Jul 2026
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