Lively (livelyme.com) has a 4.6 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Electronics & Technology and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-11.
What people say
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Eric N. · 2 reviews · Experienced 2025-11-19 ·
★★★★★
Thanks for the nudges
I initiated an HSA transfer from a less-than-helpful custodian. While there was little they could do, they did alert me to check on the progress and reviewed the paperwork I completed. This was helpful.
Reply from Lively2026-01-13
We appreciate you taking the time to leave a review. While there’s only so much we can do during a custodian-to-custodian transfer, we’re glad our team could support you by monitoring progress and reviewing your documentation. Thank you for choosing Lively! - Lively Team
M
M Green · 7 reviews · Verified · Experienced 2025-06-18 ·
★★★★★
Great for self-directed HSA!
Lively makes the self-directed HSA easy. Reimbursements are easy and the debit card is helpful. A lot of online purchases are blocked requiring reimbursements to be submitted instead of using the debit card, which can be annoying and inconvenient. Best part is the partnership they have with Charles Schwab so you can invest HSA funds over $3,000 in an HSA brokerage account. Oh and it's free to hold an account!
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SUSAN HILLER · 2 reviews · Experienced 2025-12-15 ·
★★★★★
Glad to have my HSA at Schwab via Lively
The ability to use Schwab as the investment platform for my HSA. Using HSA Bank's new investment platform was a terrible experience, so was very happy to be able to transfer my HSA to Schwab.
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Walter Marvin · 1 review · Experienced 2025-12-10 ·
★★★★★
The card is very handy
The card is very handy, website is okay. Love the fact that they invest your money instead of letting it sit.
Reply from Lively2025-12-12
We appreciate you taking the time to share your experience! Supporting both everyday spending and long-term investing is an important part of how Lively is designed. Thank you for choosing Lively! - Lively Team
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Terri · 1 review · Experienced 2025-06-24 ·
★★★★★
Best place for HSA.
I"ve been with Lively for many years, absolutely the best in the industry.I would highly recommend them.
Reply from Lively2025-12-12
We appreciate you sharing your experience. Thank you for being with Lively for so many years and for the recommendation! - Lively Team
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Liz · 3 reviews · Experienced 2025-12-01 ·
★★★★★
enhanced investing opportunities
I was looking for an HSA bank that allowed more self directed investing and did not limit the choices as much as my original HSA bank did. Lively, with its link to Schwab, makes that possible
Reply from Lively2025-12-12
Thank you for the review! We understand how important investment choice can be when managing an HSA, and we’re glad Lively has been a better fit for what you were looking for. Thank you for choosing Lively! - Lively Team
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Tom Dobrick · 10 reviews · Experienced 2025-12-04 ·
★★★★★
What an HSA site should be
Dependable site performance. I've had several somewhat unusual questions over the past few years, and the response from Lively's team has consistently been helpful, focused, and speedy.
Reply from Lively2025-12-12
Thank you for the review. It means a lot to know the platform has been dependable and that our team has been able to help with more complex questions over the years. Providing clear and timely support is something we put a lot of care into. Thank you for choosing Lively! - Lively Team
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AK · 2 reviews · Experienced 2025-12-04 ·
★★★★★
Fantastic customer service
Lively made the transfer process from my previous account holder practically effortless. They allow for investment by linking with Schwab as well as other options. All in all I am very happy with having decided to move my HSA to Lively.
Reply from Lively2025-12-12
We appreciate you taking the time to leave this review! Helping make HSA transfers simple while offering investment flexibility is important to us. Thank you for choosing Lively! - Lively Team
C
Chris · 2 reviews · Experienced 2025-01-01 ·
★★★★★
Makes HSA easy
As a self-employed consultant, finding ways to provide health care and other benefits for my family and I is entirely up to me. Luckily, Lively makes that incredibly easy for someone like me who doesn't have the time (or resources) to spend days or weeks learning about different programs etc. I was able to setup my Lively account in an hour, start making contributions via ACH, setup automatic deposits into the HSA, and link my Lively account balance to my Schwab brokerage (where Lively allows investment of HSA funds as a way of growing the HSA balance.) I couldn't be happier!
Reply from Lively2025-12-12
Thank you for taking the time to share such a thoughtful review! We appreciate you highlighting how Lively supports self-employed individuals who need a simple, efficient way to manage benefits without spending weeks researching options. It’s great to know the setup process, automatic contributions, and investment connection all came together smoothly for you. We’re grateful you chose Lively and are glad it’s been a positive experience for you and your family! - Lively Team
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Joe D'Amico · 3 reviews · Experienced 2025-10-23 ·
★★★★★
Great support team
My Lively debit card is nearly identical to my everyday credit card. I inadvertently used the debit card and received a notification from Lively to alert me. My subsequent support experience was great in resolving this issue.
Reply from Lively2025-12-12
Thank you for the feedback! We’re happy the alert and follow-up support helped resolve things smoothly. Thank you for choosing Lively! - Lively Team
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Tim Rutledge · 2 reviews · Experienced 2025-12-03 ·
★★★★★
Easy to use website
Easy to use website, no fees
Reply from Lively2025-12-12
Thank you for the review! We appreciate you taking the time to share your feedback.
- Lively Team
K
Kelly · 4 reviews · Experienced 2025-12-03 ·
★★★★★
Lively is the best in HSA
I love working with Lively because everything works flawlessly.
Reply from Lively2025-12-12
Thank you for sharing your experience! We appreciate the kind words. - Lively Team
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Garrett · 1 review · Experienced 2025-12-01 ·
★★★★★
Quit with the AI
Stop pushing AI - I just want a simple HSA without any pop ups or AI or extra fluff.
Reply from Lively2025-12-12
Thank you for the feedback. We understand the preference for a simple experience and appreciate you sharing this with us. - Lively Team
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Deanne Pastor · 1 review · Experienced 2025-11-29 ·
★★★★★
The click here to remember the computer…
The click here to remember the computer for 90 days never works. I clicked it several times from my home computer, IPhone and work computer and it never remembers my device. Other than that, I think you are doing a great job. Thank you.
Reply from Lively2025-12-12
We appreciate you sharing your experience. Feedback like this helps us better understand where things can be improved, and we’re glad to hear you’ve otherwise had a good experience with Lively. Thank you for choosing Lively! - Lively Team
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seth c · 1 review · Experienced 2024-12-02 ·
★★★★★
Truly night and day difference between…
Truly night and day difference between these guys and the competitor I switched from.
The site always works, the support agents always pick up, and they aim to be helpful. Their whole system is engineered to be helpful, and give you easy access to your money, unlike other companies, who by design, make things difficult, so they can keep earning interest on your money.
Been using these guys for a couple years now, and they are terrific. Best place to earn money by investing your deferred tax dollars easily linked to Schwab or a similar broker.
Highly recommended.
Reply from Lively2025-12-12
We appreciate you sharing your experience! Making it easy to access your funds and get help when you need it is something we focus on every day. It means a lot to know this approach has made a difference for you over the years. Thank you for choosing Lively! - Lively Team
Professional, courteous, knowledgeable and prompt service. I like it when a company answers the phone within 2-4 mins. Thank you Lively.
Reply from Lively2025-12-12
We appreciate the feedback! Our team works hard to be responsive and helpful, and it’s great to see that reflected in your experience. Thank you for choosing Lively!
- Lively Team
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PN · 4 reviews · Experienced 2025-11-24 ·
★★★★★
Lively HSA makes it easy to manage HSA…
Lively HSA makes it easy to manage HSA account for regular medical bills through their debit card and putting unused funds to work in investments of your choice through its link to Charles Schwab Account. I have used their services for many years and extremely pleased with them.
Reply from Lively2025-12-12
Thank you for the review! It means a lot to know you’ve had a positive experience using Lively for both spending and investing over the years. Thank you for choosing Lively!
- Lively Team
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David · 1 review · Experienced 2025-11-24 ·
★★★★★
So glad i switched to Lively
i was using an old HSA Bank that had a terrible website and interface. it was a horrible experience. i researched and found Lively. Lively is so easy to use, its 100% better than i had and I'm so thankful i switched.
Reply from Lively2025-12-12
Thank you for your review! We appreciate you trusting Lively and are happy the experience has been an improvement! - Lively Team
The Lively representatives have been very pleasant and helpful in addressing my needs and concerns.
Reply from Lively2025-12-12
We appreciate you taking the time to leave this feedback! It means a lot to know our team has been helpful. Thank you for choosing Lively! - Lively Team
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Pete · 1 review · Experienced 2025-11-18 ·
★★★★★
Excellent!
Excellent!! Lively is great, easy to setup. It was easy to setup direct deposit and investing.
Reply from Lively2025-12-12
Thank you so much for the feedback! We’re happy to hear everything from setup to investing was smooth and easy. We appreciate you choosing Lively! - Lively Team
