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Ubank: Digital Banking

Ubank: Digital Banking

Money Done Better

167 ratings
572 reviews
🔧 Utilities
💰 Finance
Free

Details

  • Released
  • Updated
  • February 13, 2023
  • October 13, 2026

Features

Developer

86 400 Technology Pty Ltd
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Ubank: Digital Banking screenshot #1 for iPhone
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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

Summarized from real user reviews of Ubank. Based on 167 reviews and a 4.6/5 average, it highlights the 6 positives and 6 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Simple and easy banking
  • 🔒Secure and trustworthy
  • 👍User-friendly app and website
  • 💰Competitive interest rates
  • 🤝Shared accounts feature
  • 📈Helpful budgeting and spending tracking

Negative things

  • 🐛Buggy app with frequent crashes and login issues
  • 🔒Restrictive ID requirements for account opening
  • 🤔Confusing changes to account structure and transaction rules
  • 🕰️Slow customer support and unresponsive to issues
  • 💳Inability to pay directly from savings accounts
  • 🤯Frustrating app updates that remove useful features
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+1

What's New in Ubank

11.441.2

October 13, 2026

This update we've tightened the spokes and topped up the tyres. Just some small fixes to make sure things in the app keep rolling smoothly.

Events

Read more about Spot Bills, Stress Less
Event EndedMajor Update

Spot Bills, Stress Less

Keep an eye on your expenses with the ubank app.

Jun 13, 2024 — Jun 29, 2024

Read More

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User reviews

Most RecentHighest RatedLowest Rated

Use without any issues

Easy to use the card after notified ubank beforehand
SpringfongSpringfong

Love

Such an easy way to bank and love the colour!
BecHQBecHQ

Poor Interest Outcome

Have used UBank for many years. However, recent changes to my savings account, where I get no interest if I make a small withdrawal have forced me to withdraw my money and use a different bank. Very disappointing.
Dave Rhall's iTunesDave Rhall's iTunes

Worst bank ever !

Won’t even let me to join the bank even I provided all the information required.
Pavel6066Pavel6066

Not good

I’ve just bought a new phone and can’t even sign into my account even verifying it’s me with all the security steps keeps telling me I’ve reached my device limit what a joke how am I supposed to do my banking if I can’t even login
Daniel tiplerDaniel tipler
See 567 more reviews

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.