# Ubank: Digital Banking — Money Done Better > Digital bank for spending, saving, earning, and financial management. (iPhone/iPad app by 86 400 Technology Pty Ltd.) - Source: https://appshunter.io/ios/app/ubank-digital-banking/id1449543099 (this page in markdown: same URL + `.md`) - Developer: [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) - Category: Finance, Utilities - Price: Free - Rating: 4.60/5 from 160 App Store ratings · 515 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 134 MB - Languages: American English - Released: 2023-02-13 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews.md ## What is Ubank? Open a Ubank account in minutes for Money Done Better. Ubank is a digital bank that makes money feel simple, easy to understand and more personal. From daily banking to managing your home loan, Ubank has smart features and tools to help you succeed. What you can do with Ubank: Spend • Digital bank accounts with no account or card fees¹ • Spend instantly by adding Ubank to your digital wallet • Create joint accounts in minutes to share money with your partner-in-finance • PayID and Osko for instant money transfers (if the other bank participates) Save • Open up to 10 no fee savings accounts with high bonus interest that’s simple to earn • Earn bonus interest on savings up to $1M per customer when bonus criteria are met² • Set up Savings Targets on each of your Save accounts to track your goals Travel • Use your Ubank card overseas instead of a travel card for no fees from Ubank¹ • Withdraw from any ATM with no fees charged by Ubank¹ • No currency conversion fees when you pay in a foreign currency • A competitive Visa exchange rate on all your international transactions Budget • Set Budgets to track your spending on 50 categories and merchants in real time • Track your Pay Cycle and sync the Ubank app to when your money comes in • Use a separate Bills account to plan and pay for expenses so you know what’s safe to spend • Schedule bills and get reminders from the Bill Planner Buy a home • Ubank offers home loans for owner-occupiers and investors on new and refinanced loans • Skip the upfront cost with no LMI on any Ubank home loans • Buy with as little as 10% deposit • Easy paperless application online • Chat to our local lending specialists 7 days a week And more • Ubank is part of NAB. You can trust that your money is safe with deposits guaranteed up to $250K³ • Ubank has encrypted passkey login to help keep your accounts secure • Link external bank accounts with Ubank using Connected Accounts • An Australian based call centre available 7 days for any of your queries Download the Ubank app and follow the prompts to get started in minutes. You’ll need valid ID and a unique mobile number. Signing up with a bonus code? See the terms and conditions below for more details. Important information Ubank is open to Australian or New Zealand citizens, or Australian permanent residents. You must be aged 16 or older with an Australian residential address and mobile number to hold an account. If you’re over 18 you will need at least one form of ID (Australian driver licence, Australian passport, or international passport) to sign up. If you’re under 18, you’ll need at least two forms of identification: an Australian driver licence, Australian passport, international passport, Medicare card or birth certificate. Products issued by Ubank, part of National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686. Registered Office: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia. Credit criteria apply. Info is general. Consider if it’s right for you. TMDs and product terms at ubank.com.au. ¹Ubank won’t charge you any fees overseas, but some third party merchants and ATM operators may still charge a fee. ²Rates are variable and subject to change. Interest is payable on total savings up to $1,000,000 per customer where bonus criteria are met. To earn bonus interest, you must have a Spend account, and grow the combined balance of your Save accounts by at least $1. Interest doesn't count towards the $1, and special rules apply to offset accounts. For more info about bonus interest, see ubank.com.au/banking/savings-account ³The Australian Government guarantees deposits up to $250,000 per customer, per Authorised Deposit-taking Institution. As Ubank is part of NAB, the government guarantee applies to the combined value of your Ubank and NAB accounts. Signing up with a bonus code? Read our Welcome Bonus Offer terms at ubank.com.au/campaigns/welcome-offer. ## Key features - 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 ## What do users think of Ubank? Overall sentiment: mixed **Pros** - 🚀 Simple and easy banking - 🔒 Secure and trustworthy - 👍 User-friendly app and website - 💰 Competitive interest rates - 🤝 Shared accounts feature - 📈 Helpful budgeting and spending tracking **Cons** - 🐛 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 **Commonly reported bugs** - Passkey login frequently not working - Account balance not updating correctly - Inability to delete old passkeys - Swipe back gesture not functioning - App freezing on splash screen **Most requested features** - Custom expense categorization - Apple Watch app or home screen widgets - Improved transaction history and balance tracking - Seamless integration with other bank accounts - More transparency around interest rate changes ## Recent user reviews (10 of 515) All indexed reviews: https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews.md ### 5/5 — Best Banking App and Bank *2026-08-26, version 11.409.4* Don’t go to Reddit and read bogus customers yapping about bad banks and terrible interest. That’s the best in the market. I have been with Ubank since 2019 and have been saving enjoying interest ever since. Also those customers are bogus, they just cash in on referral bonus and if not get it, they yap and complain. Stay away from Reddit!! You finally did round ups. Yay! ### 1/5 — Can’t open account *2026-08-19, version 11.409.4* I couldn’t open account and customer service couldn’t help they were basically useless for future reference just be more helpful ### 1/5 — Saving account *2026-08-19, version 11.409.4* Don’t get UBank saving account if you don’t increase your balance you don’t get not interested for the month ### 1/5 — Used to be the best bank in Australia! *2026-08-19, version 11.409.4* The changes in the last two years have destroyed how good this bank was. Now you can’t pay from savings accounts, you can’t remove money from savings accounts, the app is so complicated and confusing.🫤 ### 5/5 — Easy *2026-08-16, version 11.401.5* Consistently easy to use, never seem to have any issues accessing money or accounts. The app is fantastic, easy to navigate, intuitive, and money transfers are completed almost instantly ### 5/5 — Satisfied *2026-08-16, version 11.401.5* As an Internet Bank I was slightly hesitant at first but over the last 4 years I have been extremely satisfied and would highly recommend. Good monthly Interest Rates if you follow all the small steps to achieve these goals. ### 1/5 — Buggy *2026-08-16, version 11.401.5* Tried to create a joint account and keeps coming up with errors. Very frustrating. ### 5/5 — Sharon Binks *2026-08-15, version 11.401.5* Sharon Binks ### 5/5 — Best bank *2026-08-13, version 11.401.5* I can say that I came across one of the best banks to deal with. Much better than our 4 big banks. ### 5/5 — Easiest bank to deal with!!! *2026-08-13, version 11.401.5* Highly recommend, I switched from commonwealth after 20+ years with them. Better interest rates, no fees, open heaps of accounts without a big bang trying to get account holding fees. Also cute app layout. ## Frequently asked questions about Ubank ### 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. ## Version history (last 5 releases) ### 11.409.4 — 2026-08-18 Think post-it notes for your money. You can now add up to 5 tags to any transaction in the app. Holidays, weddings, tax deductions and more. Whatever you'll search and sort through later can be grouped together now. Then use the Tags filter whenever the "what was that for?" moment hits. ### 11.401.5 — 2026-08-05 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. ### 11.390.1 — 2026-07-21 If your bills seemed a little fuzzy, this release is like a fresh pair of glasses. We've improved your Bill Planner timeline to make it less cluttered and easier to spot your next bills. See the info you need in full HD and feel confident that your payments are under control. ### v11.379.6 — 2026-07-08 This release we’ve rearranged the furniture a bit. 'Settings' now lives in a new 'Profile' area. Just tap your initials in the top header and you're there. It's moved out of the bottom nav bar, but everything that was in 'Settings' has come along for the ride. We've also opened up the 'Accounts' page with a new navigation bar across the top, so you can switch between Accounts, Transactions, and Statements in a tap. ### 11.370.9 — 2026-06-24 This one’s a quick spritz of Aerogard. Nothing flashy, just a few bugs quietly shown the door so you don’t have to swat them yourself. ## Apps similar to Ubank | App | Rating | Price | Category | | --- | --- | --- | --- | | [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,634,711) | Free | Finance | | [Rocket Money - Bills & Budgets](https://appshunter.io/ios/app/rocket-money-bills-and-budgets/id1130616675) | 4.5 (383,770) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,413) | Free | Finance | | [Money Manager Expense & Budget](https://appshunter.io/ios/app/money-manager-expense-and-budget/id560481810) | 4.8 (18,913) | Free | Finance | | [Expense & Budget App: Spendee](https://appshunter.io/ios/app/expense-and-budget-app-spendee/id635861140) | 4.6 (6,235) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | ## Related topics [ubank](https://appshunter.io/ios/topics/ubank) · [australia bank](https://appshunter.io/ios/topics/australia-bank) · [frolo](https://appshunter.io/ios/topics/frolo) · [ubank banking made for u](https://appshunter.io/ios/topics/ubank-banking-made-for-u) · [yoma next](https://appshunter.io/ios/topics/yoma-next) · [nab bank](https://appshunter.io/ios/topics/nab-bank) · [uob infinity indonesia](https://appshunter.io/ios/topics/uob-infinity-indonesia) · [bank digital](https://appshunter.io/ios/topics/bank-digital) · [ubank by unibank](https://appshunter.io/ios/topics/ubank-by-unibank) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*