Ubank: Digital Banking

Ubank: Digital Banking

Money Done Better

160 ratings
474 reviews
Free

Details

  • Released
  • Updated
  • August 6, 2019
  • August 5, 2026

Features

Ubank: Digital Banking screenshot #1 for iPhone
Ubank: Digital Banking screenshot #2 for iPhone
Ubank: Digital Banking screenshot #3 for iPhone
Ubank: Digital Banking screenshot #4 for iPhone
Ubank: Digital Banking screenshot #5 for iPhone
Ubank: Digital Banking screenshot #6 for iPhone
Ubank: Digital Banking screenshot #7 for iPhone
Ubank: Digital Banking screenshot #8 for iPhone
Ubank: Digital Banking screenshot #9 for iPhone
Ubank: Digital Banking screenshot #10 for iPhone
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About

Manage your finances with a digital bank offering tools for spending, saving, and earning. Features include no monthly fees, bonus interest on savings, spending insights, and bill planning. Easily link external accounts and set savings goals.

No monthly fees
Bonus interest on savings
Spending insights and pay cycle sync
Bill planner and separate bills account
Shared accounts for partners
Savings targets and autosave
Link external bank accounts
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What users say

See all reviews
+1

What's New in Ubank

11.401.5

August 5, 2026

The best kind of saving is the sort you forget you're even doing. Say hello to 'Round Ups'! A better way to put your spare change to use. Simply flick this feature on and your everyday card spending will nudge a little extra into a Save account of your choice with each transaction. No willpower required, just steady set and forget savings for future you to enjoy.

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Events

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User reviews

What if my face changes due to surgery?

I’m copy and pasting this here: Hi, thanks for sharing your feedback, and for recommending ubank 🥰.

We understand wanting to feel completely comfortable and confident when accessing your banking, especially if you prefer not to use biometric sign‑in.

While ubank supports secure sign‑in using passkeys and biometrics, there are a few options available that may suit your preferences:
• Use a separate credential manager for passkeys
You can choose to store your ubank passkey in a third‑party credential manager (such as Bitwarden). This allows you to protect your ubank login with its own password, separate from your phone’s lock screen.
• Sign in using a password instead of a passkey
It’s also possible to set up a password to log in to the ubank app. While this option is available, we generally recommend passkeys from a security perspective, as passwords can be vulnerable to phishing and reuse across services.
• Strengthen your device lock settings
If you continue using passkeys, switching your device from a simple PIN to a longer password can add an extra layer of protection.

Your feedback around having more choice in sign‑in options has been shared with our teams. If you’d like help setting up any of the options above, we’re happy to help.

^^I believe we need to see at least MFA option for those who don’t want biometrics. MFA is annoying but if users opt in for it rather than are forced like with Microsoft and everything else then it might be a win
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Miss s

10/10 for savings

Feedback

Overall Ubank is just a very good banking app to use, very secure and reliable, giving offers and rewards for just saving your money.
I really recommend Ubank as daily use or just for saving.

5 stars

The UBank app is easy to use and I love the features like bill planner, savings goals.

First payment

Very easy to used

User experience

🐞

Reported Bugs

5 issues

Passkey login frequently not working

Bug

Account balance not updating correctly

Bug

Inability to delete old passkeys

Bug

Swipe back gesture not functioning

Bug

App freezing on splash screen

Bug

Requested Features

5 requests

Custom expense categorization

Feature

Apple Watch app or home screen widgets

Feature

Improved transaction history and balance tracking

Feature

Seamless integration with other bank accounts

Feature

More transparency around interest rate changes

Feature

FAQ

What does the Ubank Money App do?

The Ubank Money App is a digital banking platform designed to help users manage their money effectively. It offers tools for spending, saving, earning, and planning finances, aiming to provide a comprehensive view and control over your financial life.

What are the key features of the Ubank Money App?

Key features include no monthly fees for everyday banking, the ability to earn bonus interest on savings up to $1M, spending insights synced to your pay cycle, a bill planner, separate bills account, shared accounts, and the ability to set savings targets with autosave options. You can also link other bank accounts to see all your money in one place.

Is the Ubank Money App free to use?

The app itself is free to download and use for its core banking functionalities. While there are no monthly fees for everyday banking, the description mentions 'in-app purchases' which may refer to specific premium features or services offered within the app.

Who is eligible to use the Ubank Money App?

To use the Ubank Money App, you must be an Australian or New Zealand citizen, or an Australian permanent resident. You need to be aged 16 or older, have an Australian residential address and mobile number, and possess at least one form of valid ID such as an Australian driver licence, Australian passport, Medicare card, or birth certificate.

How can I use the Ubank Money App for saving and budgeting?

The app supports saving through a high-interest savings account with bonus interest criteria, and features like 'Split Income' and 'Autosave' to help you save automatically. For budgeting, it offers spending insights that sync to your pay cycle and a dedicated 'Bills account' with a 'Bill Planner' to manage regular expenses.