Overview
Features & Capabilities
User Growth & Download Statistics
- By:
- Capital Bank Rockville MD
- Rating:
- 2.20 (818)
2 new ratings
- Version:
- 4.44.3 Last updated: 2026-06-04
- Version code:
- 886533273
- Creation date:
- 2018-08-05
- Compatible devices:
- Size:
- 25.84MB
- URLs:
- Privacy policy
- Full description:
- See detailed description
- Source:
- Apple Apps Store
- Data ingested on:
- 2026-07-19
- Compare stats and ranking:
-
Ranking
Other platforms
For Developers
Contact the developer
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User Reviews
Pros
- Strong credit-building potential: secured OpenSky card can graduate to unsecured with a higher credit limit, helping users rebuild credit over time.
- Long-term users report real credit-score improvements and successful growth when the account is managed responsibly (e.g., graduation to unsecured with growth in credit).
- Good starter option for building credit with a lower-risk entry point for newcomers.
- Some users appreciate in-app visibility for statements and payments and a free FICO score check, aiding credit monitoring.
Cons
- Frequent app instability and login/load failures across many reviews (cannot log in, app crashes, spinning logo).
- Payment and autopay problems: autopay not working, delays posting payments, and late notices despite payments being made.
- Poor or hard-to-reach customer service and support, with long wait times and unhelpful responses.
- Unclear or extra fees: paper statement fees and late-fee charges related to closing date vs due date, plus other fee surprises.
- Delays in accessing funds / money being held or posted slowly, making funds effectively inaccessible for periods.
Recent reviews
You can only pay with a checking card and that takes about 3 to 4 days for the payment to be withdrawn. If you want to pay instantly with a debit card, you can’t unless you call their customer service to have a rep do it for you at a $10 fee. If you make a payment and it returns for whatever reason, their payment return fee went from $25 to $40 overnight without any explanation or reason as to why. Charging me $40 for a return payment on a credit card where the credit is self funded is nothing but scam.
by Be*****, 2026-06-08
This app only opens when it wants to, you guys need to update this app immediately.
by Th*****, 2026-06-08
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