Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Safeco Mobile vs Wells Fargo Mobile®

Safeco Mobile 4.8★ · Free to download 40
Winner Wells Fargo Mobile®
Wells Fargo Mobile® 4.9★ · Free to download 75

Wells Fargo Mobile® is the better choice for banking needs due to its generally reliable functionality and positive user experiences with core banking features, while Safeco Mobile suffers from widespread crashing issues and dissatisfaction with its RightTrack program.

Full reviews: Safeco Mobile · Wells Fargo Mobile®

Wells Fargo Mobile® offers a more stable and user-friendly experience for managing finances, with many users praising its ease of use and security. Safeco Mobile, however, is plagued by frequent app crashes and significant user frustration with its RightTrack driving program and customer service.

Head to head

Features and Functionality edge: Wells Fargo Mobile®R1R4R5R8
Safeco Mobile Safeco Mobile users report significant issues with core functionalities, including the app crashing immediately after login, preventing access to policies or billing R1R8R10R16. The RightTrack feature, intended for discounts, is frequently criticized for inaccurate tracking and unfair penalties for normal driving, leading to reduced scores instead of savings R4R5R26. Some users also struggle with updating payment settings, using delay payment options, or saving documents R1.
Wells Fargo Mobile® Wells Fargo Mobile® users generally find the app's features satisfactory, especially for Zelle transactions, which many use regularly and are satisfied with R65R71. The app is praised for being user-friendly and providing easy access to banking services . However, some users report issues with eBills not displaying, difficulty with instant transfers after updates, and occasional Zelle problems R76.
Ease of Use and Reliability edge: Wells Fargo Mobile®R3R6R8R9
Safeco Mobile Safeco Mobile's reliability is a major concern, with numerous reports of the app crashing repeatedly after logging in R8R10R16. Users also experience issues with the RightTrack feature not activating or displaying correctly R3R9. While some users find the app intuitive and easy to navigate when it works R6, others find it useless due to being stuck on certain screens or constant logging out during active use .
Wells Fargo Mobile® Wells Fargo Mobile® is widely praised for being easy to use, navigate, and access . Many users describe it as user-friendly and seamless . However, some users report long wait times for the app to load and frequent updates that require constant downloading . A few users also mention difficulty with initial setup or being unable to complete sign-in .
Price and Value tieR12R18R21R26
Safeco Mobile Many Safeco Mobile users express dissatisfaction with the company's pricing, citing outrageously high rates and significant price jumps upon renewal R12R18R21. Some feel the RightTrack program, intended to save money, is a 'scam' designed to charge more rather than provide discounts R26R50. Users report saving thousands by switching to other insurance providers .
Wells Fargo Mobile® Wells Fargo Mobile® users frequently complain about various fees, including monthly account maintenance fees R63R92 and high overdraft fees, sometimes as much as $35 for small transactions R64R66. Some also mention insane interest rates on credit cards . However, the app itself is free to download and use.
Customer Service and Support tieR13R20R23R24
Safeco Mobile Safeco Mobile users report poor customer service, with claims of no communication, uncooperative staff, and difficulty getting issues resolved R13R24. Some experiences include claims taking a long time or being denied, even for simple issues like windshield replacement . While some positive reviews mention good customer care and knowledgeable people R20R23, these are less frequent than negative reports.
Wells Fargo Mobile® Wells Fargo Mobile® receives mixed reviews regarding customer service. Some users praise the team for making them feel safe and prioritized, and for providing solutions and attentive service R71. However, many users report negative experiences with the fraud department being unhelpful, claims being denied despite proof, and unresolved Zelle issues after multiple calls R76.
Pick Safeco Mobile if

You are an existing Safeco customer who primarily needs to access basic policy documents and make payments, and you are willing to tolerate frequent app crashes and potential issues with the RightTrack program .

Pick Wells Fargo Mobile® if

You need a reliable mobile banking app for day-to-day transactions, including Zelle, and value a generally user-friendly interface for managing your accounts, despite potential issues with fees or specific customer service departments R65R71.

Evidence note: Reviews for Safeco Mobile are heavily skewed towards recent negative experiences, particularly concerning app stability and the RightTrack program, despite a higher lifetime rating. Wells Fargo Mobile® has a much larger volume of reviews, offering a broader perspective, with both positive and negative feedback on various banking aspects.

Frequently asked

Does Safeco Mobile's RightTrack program actually save money?
Many Safeco Mobile users report that the RightTrack program is designed to minimize discounts or even increase charges, with the app unfairly penalizing normal driving behaviors like hard braking or rapid acceleration R4R26R50.
Are there common technical issues with Safeco Mobile?
Yes, many Safeco Mobile users frequently report that the app crashes immediately after logging in, making it impossible to access policy information, billing, or other features R1R8R10R16.
Does Wells Fargo Mobile® have high fees?
Wells Fargo Mobile® users frequently complain about various fees, including monthly account maintenance fees of $15 R63R92 and high overdraft fees, sometimes as much as $35 for small transactions R64R66.
Is Zelle reliable on Wells Fargo Mobile®?
Many Wells Fargo Mobile® users are satisfied with Zelle and use it regularly R65R71, but some report issues with Zelle service, technical problems, or limitations on transfer amounts R76R84.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] Safeco Mobile 1/5 · US Use to work fine: Can not update my payment settings or use the delay my payments option. Will not submit. App use to work just fine now glitches galore.
  2. [R4] Safeco Mobile 1/5 · US Terrible tracking idea: So they decide that your phone and solely your phones gps system is sufficient enough to track “hard braking” this fails to account for the plethora of situations in which you are not at fault for having to brake harder than 8 mph a second. Wether it be a sudden stop of the person in front of you or a light changing too fast they will track it and put the blame on you. Addi
  3. [R5] Safeco Mobile 4/5 · US Breaking: Breaking is too critical while driving in city and around traffic lights.
  4. [R8] Safeco Mobile 5/5 · US Crashes!: This app crashes like crazy on iPhone 16.
  5. [R3] Safeco Mobile 3/5 · US Righttrack app does not work: The “Background refresh” option is active but greyed out on my iPhone. The same options are active for all my family member iphones. The app continues to notify of a error to activate though all Options are active. Please fix this issue.
  6. [R6] Safeco Mobile 3/5 · US Ease of use.: First time user, so far it’s fairly intuitive and simple.
  7. [R9] Safeco Mobile 3/5 · US What happen to right track on the app: Right track doesn’t appear on my app
  8. [R12] Safeco Mobile 3/5 · US Renewal: Not happy. I have had insurance for my Fifth-wheel Trailer for one year. Now Safeco is raising insurance $74 a year. Paying $643 for a trailer we use 3 months out of the year is ridiculous.
  9. [R18] Safeco Mobile 3/5 · US Prices too high!: Prices jumped so much this year. It was terrible.
  10. [R21] Safeco Mobile 3/5 · US Rates: Your rates are outrageous. I have been a customer for 7 years. Time for a change.
  11. [R26] Safeco Mobile 1/5 · US RIGHT TRACK RACKET: Clearly designed to minimize discounts as much as possible. The app will ding you for completely normal breaking and acceleration in order to prevent you from getting the discount you signed up with. Don’t believe me? You’ll understand within a day of using the app.
  12. [R13] Safeco Mobile 1/5 · US Terrible: The app is just as terrible as the company. No customer service, insanely high rates, doesn’t communicate with the department of motor vehicles.. they appear to be predatory and i perceive them as a criminal organization.
  13. [R20] Safeco Mobile 4/5 · US Representative: Outstanding job worked hard. Impeccable service received.
  14. [R23] Safeco Mobile 5/5 · US Best insurance: I love how easy, convenient and fast they work. The people are wonderful and knowledgeable. I would definitely recommend!
  15. [R24] Safeco Mobile 1/5 · US Uncooperative: I would never recommend this company. I have never had a satisfactory experience with them.
  16. [R50] Safeco Mobile 1/5 · US SCAM!! Right Track to charge you more MONEY!: SCAM!! The right track app isn’t set up to give you a discount for safe driving. It’s set up to find another way for insurance to charge you more. I drive like a grandma and had perfect driving for 200 miles. One person ran a stop sign which I had to slam my brake to not hit them. It gave dropped my score to 85 from “hard braking”. Now at 700 miles lat
  17. [R10] Safeco Mobile 1/5 · US Closes every time: This app is the worst. It used to work fine for a few months and now it just closes on its own after I log in. I can’t even see my policy or billing.. nothing it just crashes and closes in seconds. Please fix it!
  18. [R16] Safeco Mobile 1/5 · US The app crashes 100% of the time: I am not sure if something changed, but over the past 24 hours I have had the app immediately force close ~20 times. Each time I try it's the same behavior: The app opens correctly when not logged in, but once I click continue to log in with my account, it just shuts down and closes out. I have re-installed it a few times, and restarted my phone - I am assuming
  19. [R63] Wells Fargo Mobile® 3/5 · US M: Con lo que no estoy de acuerdo es que cobren 15 dólares al mes
  20. [R64] Wells Fargo Mobile® 1/5 · US WD to expensive.: Since I have WF I never got a credit or a help with my account nowdays it’s been super hard with my bills and my hours have been cuts, I pay 3 to 5 Over Drafts every months, I bet I’m not the only costumer having this struggle. If the bank can give us a help should be the 5 start bank because I know we are not irresponsable People or costumers
  21. [R66] Wells Fargo Mobile® 3/5 · US Overdraft fees the worst nightmare: The app is great, but I’m an entrepreneur with a starting business we are finishing a very slow season and during that time I had some days where the account was overdraft and was charged $35 to honor even for transactions of $5 or $10, that’s not the kind of support a starting business going through a tough season needs. The overdrafts I thing can be now like $
  22. [R92] Wells Fargo Mobile® 1/5 · US Mala: Me cobran 15 dólares por mes en Wells Fargo y ya pregunté en otros bancos y no me cobran nada
  23. [R65] Wells Fargo Mobile® 5/5 · US Zelle: I use this on a regular basis and I’m satisfied with the process.
  24. [R71] Wells Fargo Mobile® 5/5 · US Wells Fargo: I just want to say thank you to Wells Fargo. Through both the transactions I recognized and the ones I didn’t, your team has consistently made sure I was treated fairly and felt like a priority. Even though I have accounts with other banks, Wells Fargo has remained my primary bank because I’ve always felt safe banking with you. Features like increased Zelle limits and the overall leve
  25. [R76] Wells Fargo Mobile® 1/5 · US Review: I have been having trouble with my app , Zelle and I have called 3 times nothing has been resolved!
  26. [R84] Wells Fargo Mobile® 1/5 · US Zelle: Bad Zelle service

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store