Ubank: Digital Banking

Ubank: Digital Banking

Money Done Better

167 ratings
582 reviews
Free

Details

Released
August 6, 2019
Updated
October 28, 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

A digital banking app offering seamless management of daily finances, savings, travel expenses, and home loans. It provides smart tools for budgeting, instant transfers, and secure account access, making money management simple and personal.

✓Digital bank accounts with no fees
✓High bonus interest savings accounts
✓Fee-free overseas spending and withdrawals
✓Real-time budgeting and spending tracking
✓Home loans with paperless application
✓Secure passkey login
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What users say about Ubank

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+2

What's New in Ubank

11.451.3

October 28, 2026

This update is a pinch of salt and a quick stir. Nothing new on the menu, just a few things quietly seasoned behind the scenes so everything tastes the way it should.

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User reviews

Extremely Disappointing Experience with ubank – Poor Customer Support

I tried to open an account with ubank, but I was unable to do so because their system could not properly accommodate my name, as I do not have a separate first name and last name in the format they require.

I then contacted customer support, hoping they would help resolve the issue. Unfortunately, I was told that they could not do anything to help me. No practical solution was offered, and I was left completely frustrated.

In this day and age, it is unacceptable for a bank to have a system that cannot handle different name formats. Customers should not be prevented from opening an account simply because their names do not fit a particular format. Even more disappointing is the lack of support when a customer contacts them for assistance.

A bank should make banking accessible to customers, not create unnecessary barriers. If your system has a limitation, your customer service team should at least be able to explain the issue properly and offer a solution instead of simply saying they cannot help.

I would strongly advise anyone considering opening an account with ubank to check whether their name format is supported before wasting their time. My experience has been extremely disappointing, and the way this issue was handled has seriously damaged my confidence in the bank.

Very poor experience, unhelpful customer service, and absolutely no satisfactory resolution. ubank needs to improve its account-opening process and customer support urgently
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Response from developer

Hi there, thanks for reaching out. We're sorry to hear about your experience with us as we completely understand how frustrating that can be. Please send us a private message with your contact details via Facebook, Instagram or X and quote reference H1703475, and we'll be happy to look into this further.

Often failed to resume

Need to kill it from time to time when it failed from resume. Not show stopper but very annoying

Best bank

The best bank I have had in Australia,
Highest interest, best service, and lowest international fees

100 stars

This bank is all ways switched on and ready to help and they make money fun terrific app highly recommend!!❤️

Important

I can’t respond with I only have a yes tab and a no tab. Where’s the tab to type something else to respond

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 are the main benefits of using Ubank for daily banking?

Ubank offers digital bank accounts with no account or card fees, instant spending via digital wallets, and easy joint account creation. You can also make instant money transfers using PayID and Osko, provided the recipient's bank participates.

How does Ubank help with saving money?

You can open up to 10 no-fee savings accounts with Ubank, each offering high bonus interest that is simple to earn. The app allows you to set Savings Targets on each account to effectively track your progress towards financial goals.

Is Ubank suitable for international travel?

Yes, Ubank allows you to use your card overseas without incurring any fees from Ubank. You can also withdraw cash from any ATM globally with no Ubank fees and benefit from no currency conversion fees on foreign currency payments.

What budgeting tools does Ubank provide?

Ubank enables you to set Budgets for tracking spending across 50 categories and merchants in real time. It also helps you track your Pay Cycle and manage bills with a separate Bills account and a Bill Planner with reminders.

Does Ubank offer home loans?

Ubank provides home loans for both owner-occupiers and investors, applicable to new and refinanced loans. Key features include no LMI upfront costs, the ability to buy with a 10% deposit, and an easy, paperless online application process.

How secure is my money with Ubank?

Ubank is part of NAB, ensuring your money is safe with deposits guaranteed up to $250K. The app also features encrypted passkey login for enhanced account security and allows you to link external bank accounts using Connected Accounts.

What are the eligibility requirements to open a Ubank account?

To open a Ubank account, you must be an Australian or New Zealand citizen, or an Australian permanent resident, aged 16 or older, with an Australian residential address and mobile number. Specific ID requirements vary based on age.

How often is the Ubank app updated?

The Ubank app was last updated on 2026-10-28 with version 11.451.3. While the description doesn't specify update frequency, users have reported frustrating app updates that remove useful features, suggesting a potentially inconsistent update strategy.