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

TD Bank (US) vs Amex

TD Bank (US) 4.8★ · Free to download 60
Winner Amex
Amex 4.9★ · Free to download 85

Amex is the stronger choice due to its consistently praised customer service and reliable app performance, while TD Bank struggles with frequent app issues and compatibility problems for older devices.

Full reviews: TD Bank (US) · Amex

Amex generally receives high praise for its excellent customer service and a user-friendly, reliable app. TD Bank, however, faces significant criticism for app instability, frequent updates causing compatibility issues with older phones, and slow transaction processing.

Head to head

Features & Functionality tieR21R23R37R45
TD Bank (US) TD Bank users appreciate features like mobile deposit, which has improved over time R23R37. However, some users note missing features, such as the inability to see credit card statement end dates R21 and a desire for Siri integration for card locking R45.
Amex Amex users value the ability to link multiple accounts and manage business expenses R85. However, some recent updates have made the app less intuitive for viewing payments R76R78, and finding digital gift cards after purchase can be difficult .
Ease of Use edge: AmexR3R5R33R39
TD Bank (US) Many TD Bank users find the app user-friendly and simple, especially for basic tasks R5R33. However, recent updates have made it difficult for some to log in or access information R3, and the logout process is described as tedious R39.
Amex Amex is often praised for its easy, simple, and frictionless app experience . However, some users find the app difficult to navigate after updates R76R78 and struggle with connecting external bank accounts or managing devices .
Reliability & Performance edge: AmexR1R3R6R48
TD Bank (US) TD Bank's app is frequently criticized for being unreliable, with users reporting it being down often R1, freezing daily R6, or not loading after login R3. Many recent issues stem from forced updates that break functionality or prevent access R48R50.
Amex Amex is generally seen as reliable, with consistent security measures and responsive performance . While some users report issues with payments pending for a long time or errors when creating accounts , these seem less widespread than TD Bank's issues.
Customer Support edge: AmexR20R34R36R42
TD Bank (US) TD Bank receives mixed reviews on customer support. Some users praise helpful and professional staff in branches and find the bank generally helpful R20. However, the app's chat feature is described as unusable due to constant crashes R42, and some report very bad support for card issues R34 or account closures R36.
Amex Amex is widely lauded for its excellent customer service, with users frequently calling it the best R62R79. They are praised for quick responses, thoroughness, and solving problems R79. However, some users report awful experiences with disputed claims and difficulties reaching live agents .
Price & Value tieR10R52R70R73
TD Bank (US) TD Bank users complain about outrageous overdraft fees R10 and slow transaction processing, taking 2-4 days R10. There are also reports of accounts being closed for reasons like using Venmo too much R52.
Amex Amex users frequently mention high annual fees, especially for premium cards R70, and high interest rates . Some feel the perks don't justify the cost and report issues with credit limits being decreased without notice R73.
Pick TD Bank (US) if

You are an existing TD Bank customer with a newer phone and primarily need basic banking functions like mobile deposit, which some users find convenient R23R37.

Pick Amex if

You prioritize excellent customer service and a generally reliable, easy-to-use app for managing credit cards and associated benefits R79.

Evidence note: TD Bank's recent reviews are heavily skewed by app compatibility issues with older phones, which impacts its perceived reliability and ease of use. Amex's negative reviews often relate to card-specific issues (fees, credit limits) rather than app functionality.

Frequently asked

Does TD Bank's app work with older phones?
Many TD Bank users report significant problems with the app not working on older iPhones and iPads due to recent updates requiring iOS 17 or higher, preventing them from accessing their accounts or using features like mobile deposit R4R13R15R17.
Is Amex customer service good?
Amex customer service is widely praised by users as excellent, with many calling it the best compared to other credit card companies, noting quick responses and thorough problem resolution R62R79R85R95.
Are there issues with Amex app updates?
While some Amex users find recent updates have made the app less intuitive for viewing payments R76R78, the issues are less severe and widespread compared to TD Bank's app updates that often prevent users from accessing their accounts entirely R48R50.

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. [R21] TD Bank (US) 3/5 · US Good but one thing missing: In general the app is good, but it doesn't have any way to show the closing date (aka statement end date) for credit cards. Every other banking app shows this date for credit cards, why doesn't TD's？
  2. [R23] TD Bank (US) 5/5 · US Mobile deposit: I’ve been banking with td for years and have always found the app to be convenient and satisfactory. But I’m actually here just to comment on the mobile deposit feature. Since I’ve begun using it I’ve watched it develop from a useful feature with some room for improvement, to a way more streamlined feature which actually incorporates suggestions I made myself when prompted by some
  3. [R37] TD Bank (US) 5/5 · US Check deposit by camera: Never fails, quick fast and easy once it captures in zooms into the picture correct correctly. It snapped the picture of the check quickly professionally not like other banks where it takes a time this year is quick, easy and fast professional highly recommended safety time and keep my patience and frustration at a very low rate😎🤣 thank you
  4. [R45] TD Bank (US) 5/5 · US One thing is missing: This is a great app but a couple of things missing. One is you should be able to use Siri to lock your cards. 2 if you want to lock your cards on the app I suggest try and put cards under lock cards.
  5. [R3] TD Bank (US) 3/5 · US Last Update Issue: The last update appears to have caused issue. Nothing is loading once you login. While it isn’t the most intuitive banking app out there, it used to work and now it doesn’t. I trust once they figure out the issue, it will go back to being an average app.
  6. [R5] TD Bank (US) 5/5 · US Exceptional banking app: TD Bank's app has always been good, and every time there's an update, it gets even better. It's extremely user-friendly, super fast to use, and the most convenient app on my phone. The vast majority of negative, one-star comments relate to the app not being supported by old phones. Take that up with Apple, guys, it has nothing to do with TD Bank. You can't expect a 7 year
  7. [R33] TD Bank (US) 5/5 · US 5* app: The app couldn’t possibly be simpler to use being disabled and a veteran. It makes my life so much simpler. I appreciate you thank you TD Bank.
  8. [R39] TD Bank (US) 4/5 · US Minor App issues: I use this app on a daily basis. What I find irritating is the logout routine. I have to search for the various methods offered to log out, then hit log out and then it asks me if I really want to log out on a different page and when I’m on my cell phone, it annoys me every single time! I have accounts at Chase, Citi, Wells Fargo, American Express Bank and several investment bank
  9. [R1] TD Bank (US) 1/5 · US Unreliable: This app has been giving so much trouble. It is down most of the times. Not reliable anymore.
  10. [R6] TD Bank (US) 3/5 · US Mostly fine: But it freezes on me at least once a day.
  11. [R48] TD Bank (US) 1/5 · US Can’t get in.: Was just forced to update. Now there’s a pop up saying Zelle is unavailable (which I don’t care about) and it can’t be cleared with the ok button or the x. Can’t access the app at all. It won’t go away.
  12. [R20] TD Bank (US) 5/5 · US Very good Bank always helpful: I will always recognize TD Bank to the world
  13. [R34] TD Bank (US) 1/5 · US Very bad support system!!: The card always stolen. When I only used one card!! I need the card payment everything!Damn it.
  14. [R36] TD Bank (US) 1/5 · US The worst: I had td for around 2 years as a secondary account. One day i noticed my td was weird and a large deposit was made, I called , reported the issue and please request a new card to continue using my account. In the td location they gave me an answer where everything was already done and solved . Out of nowhere they closed my account, I had money there and it has been a month and every tim
  15. [R42] TD Bank (US) 2/5 · US App is fine but chat feature is unusable: The app itself is fine and works as expected but the chat feature is incredibly frustrating and unusable. It constantly crashes and I haven’t been able to get past the AI agent to a live person despite numerous attempts trying to
  16. [R10] TD Bank (US) 1/5 · US Worst bank: Dont get td bank. Horrible bank. Late on processing transactions that take over 2-4 days until its posted. Overdraft fees are outrageous. Dont get td bank. Save yourself the time and money.
  17. [R52] TD Bank (US) 1/5 · US Td bank suck: They close my account for no reason saying I use Venmo to much I don’t understand in today world people use digital currency very bad bank
  18. [R70] Amex 1/5 · US Bad card to use for business: I used love American Express Platinum business card and used it for most of my business use. But for last 2 years this card become one of the worst cards . High annual fee and we can’t even use it as needed . I will close this account as soon I have paid off the balance .
  19. [R73] Amex 1/5 · US Do Not Care About Customer: I am simply a number. Decreased my limit twice over the past week. I was told the first time this was based off “their number calculations”, although I’ve never missed a payment in my 12 year history. Say my balances are too high. Lower my limits, lower my credit score, decrease my ability to recover and my feasibility to live. That credit line went from $6800 to $1000
  20. [R4] TD Bank (US) 1/5 · US App: All the TD app will not work with many iPhones. I don’t care how many conveniences would be available. I’m not buying a new phone just so your app works especially when you can do the same banking online. There is no added security. It doesn’t benefit me at all and I would like to use the app so I don’t need a security code every single time I sign in. That’s the only advantage I’m looking fo
  21. [R13] TD Bank (US) 1/5 · US iOS 16 customers LOCKED OUT of td bank accts! Shame!: Hello! Customers with OLDER phones NEED bank balance info TOO. I find it outrageous that td bank only focuses on customers with NEW devices. iPhone does NOT provide latest iOS updates to all its customers. Only people with $1,700 new iphones. That said, Td Bank should offer APP SUPPORT to CUSTOMERS WITH OLDER VERSION iOS. 16 etc. OUR account in
  22. [R15] TD Bank (US) 3/5 · US Can’t access my account: My iPad is running on 16 os now and I can’t access my account because it only works on 17 and above. What are customers supposed to do now. I was previously able to access my account. Please help, I’m quite sure a lot of people are having the same issues.
  23. [R17] TD Bank (US) 4/5 · US Update app?: I agree with the many other reviewers who are saying that the app was very good, but now ca not be accessed by those with an older model phone. The app itself is great. I have to use my iPad now and be in my home with WiFi to get the app.
  24. [R62] Amex 5/5 · US Excellent Customer Service & Great Bank !!: AMEX is the best !! “ Don’t Leave Home Without it “ !!
  25. [R79] Amex 5/5 · US Great customer service: Amex has great customer service. They respond quickly and are very thorough. I’ve always received immediate help and had every problem solved.
  26. [R85] Amex 5/5 · US The best customer service: Love Amex! The difference in customer service is night and day compared to any other credit card Hands down the best I have several Amex cards but just received my business cards. Every expense from every employee is now dialed for easy accounting. Amex will always be the card available
  27. [R95] Amex 5/5 · US #1 in every aspect: From getting a personal loan to getting a person on the phone that speaks clearly and take care of customers. Fast and reliable
  28. [R50] TD Bank (US) 1/5 · US Forced an update that’s literally broken: Good job td app devs! you made an update that breaks the app by putting an unclose-able popup about how half the app doesn’t work anymore at the home page. Very good job guys :)
  29. [R76] Amex 1/5 · US Why change?: This was much easier and cleaner looking prior to this way now you don’t know what’s paid or not, simplify it for idiots like me! This app is awful
  30. [R78] Amex 1/5 · US Let’s find a way to mess up a good app…: Horrible update. Used to be able to see what bill needed to be paid. Now it’s stupid icons and you have to open each transaction.

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