Features & Capabilities
User Growth & Download Statistics
- By:
- Capital Bank Rockville MD
- Rating:
- 2.20 (811)
3 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:
- 2026-06-14
- Compare stats and 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
Right now the app is not opening properly, but beside that the experience so far has been great. I manage payments, transactions and it gives me the fivo score all in the same place.
by Ca*****, 2026-05-28
Just keeps loading going nowhere
by Ya*****, 2026-05-22
This app always crashes. I cannot even look at my account or make a payment ridiculous.
by mc*****, 2026-05-19
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