Is NetBenefits safe to use?

NetBenefits integrates 61 third-party SDKs spanning analytics, infrastructure, and security. It collects data linked to your identity including Identifiers, Usage Data, and Diagnostics. It includes 1 advertising or attribution SDK. Whether this is acceptable depends on your personal privacy preferences.

What permissions does NetBenefits need?

NetBenefits requests 9 iOS permissions: Camera, Microphone, Photo Library, Location (When In Use), Location (Always), Location (Always & When In Use), Speech Recognition, Face ID, and Save to Photo Library.

What data does NetBenefits collect?

According to its App Store privacy label, NetBenefits collects data linked to your identity including Identifiers, Usage Data, and Diagnostics.

How many SDKs does NetBenefits have?

NetBenefits integrates 61 third-party SDKs. 1 for attribution, 16 for analytics, 1 for crash reporting, 8 for infrastructure, and 34 for other.

Does NetBenefits use Google SDKs?

Yes. NetBenefits includes 13 Google or Firebase SDKs: Firebase A/B Testing, Firebase Core, Firebase Performance, Firebase Remote Config, Firebase Remote Config Interop, Firebase Sessions, Google Data Transport, Firebase Crashlytics, Firebase Core Extension, Firebase Core Internal, Firebase Installations, Firebase Shared Swift, and Google Utilities. These are used for cloud infrastructure and services, not advertising.

Does NetBenefits access your location?

Yes. NetBenefits requests location access. The developer states: "NetBenefits uses location to send location specific push notification messages when App In Use".

Does NetBenefits access your camera or microphone?

NetBenefits requests access to both your camera and microphone. The developer says camera access is for "To photograph these documents, you will need to click OK". Microphone access is for "Fidelity has no control of this process, is not responsible for this capability, and makes no warranties regarding its accuracy". These permissions are only active when you grant them in iOS Settings.

Does NetBenefits run in the background?

Yes. NetBenefits registers 2 background modes, which means it can perform certain tasks when you're not actively using it.

What are some alternatives to NetBenefits?

Other finance apps include EarnIn , Albert , Allstate , Amex , Atlas , and Autopilot . Each app takes a different approach to finance and varies in its data collection and SDK usage.

Finance · Privacy report

NetBenefits

Free · ★4.6 · Fidelity Investments

Is NetBenefits safe?

It leans heavily on third-party trackers.

Our take. NetBenefits is built with more third-party tracking code than 98% of the finance we have scanned.

Privacy footprint · vs 80 financeHeavy

Trackers from other companies17 · a lot

typical finance: 3.5

Data the app links to you3 types · little

typical finance: 6 · from its own privacy label

What it collects about you

NetBenefits links 3 categories of your data to you.

From the developer's own App Store privacy label. These are the kinds of data NetBenefits ties to your identity.

IdentifiersUsage DataDiagnostics

Who else is inside

It carries trackers from 3 companies.

Third-party SDKs found in the app, matched to the company that publishes each. Present in the code; we do not observe what they transmit.

🏢Other third partiesanalytics

A third-party SDK.

SDKs

🇺🇸GoogleAnalytics

Firebase, AdMob and Google analytics SDKs, built to record how you use the app and serve ads.

SDKs

🇺🇸BranchAttribution

Deep linking and marketing attribution.

SDK

How it compares

Where it sits among finance.

Every one of these apps we have scanned, on the two measures above: third-party trackers it carries (across) and data it links to you on its own label (up). Toward the top right is more invasive.

Each dot is one finance app. NetBenefits sits to the right, carrying more third-party tracking than most.

The evidence

What it's built from.

All 61 SDKs in the app, grouped by what they are for. 17 are third-party trackers.

1attribution

16analytics

1crash reporting

43standard libraries

17 of the 61 are third-party trackers. The rest are the app's own code and standard open-source building blocks.

Show the full SDK list

Other third partiesanalytics

Adobe Analytics · Adobe Experience Platform · Adobe Identity · Adobe Lifecycle · Adobe Rules Engine · Adobe Services · LaunchDarkly · MoEngage Analytics · MoEngage

GoogleAnalytics · USA

Firebase A/B Testing · Firebase Core · Firebase Performance · Firebase Remote Config · Firebase Remote Config Interop · Firebase Sessions · Google Data Transport

BranchAttribution · USA

Branch

Standard libraries43 · on-device

The app's own code plus open-source interface, storage and networking libraries.

How we know this

Counterspy downloads the app from the App Store and statically analyzes its compiled binary. Embedded SDKs are matched against a signature database and resolved to the company that operates each. We also read the developer's App Store privacy label, which lists the data the app says it collects and links to you. We do not run the app or intercept its traffic, so we report capabilities present in the code and the developer's own disclosures, not proven transmission. We assess privacy and data collection, not malware, security flaws, or developer intent. Reports are automated and never edited for payment. Scan v4.31.0, 2026-04-04.

Third-party trackers are advertising, analytics and attribution SDKs detected by static signature matching. Presence shows a capability is compiled in, not that it ran or transmitted data.
"Data the app links to you" is the count of data categories the developer declares as Data Linked To You in its App Store privacy label. Labels are self-reported and not verified by Apple.
Comparison across the 80 finance in our corpus. Trackers: median 3.5. Data linked to you: median 6.