Ubank User Reviews

Customer Experience

Positive experience39.7% of reviews
Neutral8.0% of reviews
Negative experience52.2% of reviews

~ Based on 473 written reviews from the US App Store.

What users say

Is Ubank Safe?

Ubank: Digital Banking appears safe based on user ratings. AppsHunter Safety Score for Ubank is 89/100.

This assessment is based on 156 user ratings, with an App Store average of 4.6/5.

Safety Analysis

89.7% of ratings point to a safe experience
1.3% of ratings suggest some concerns
9.0% of ratings point to a risky experience

~ Based on 156 App Store ratings for Ubank.

Is Ubank Legit?

Ubank: Digital Banking appears legitimate, with a few gaps. AppsHunter Legitimacy Score for Ubank is 78/100.

Based on 78 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

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

Poor layout

Very poor and confusing layout of the app, all other bank apps layouts I have used previously are much more user friendly. Many options for setting it up makes it messy and hard to use

Great bank

Only thing I can fault is not being able to deposit money it’s the most irritating thing about the bank itself other than no complaints

Sri

Wonderful

Authentication, References, Descriptions

1. Entering references and descriptions on transfers takes 4 clicks. It should take ZERO clicks, as it should be an open field on the amount screen.
2. No way to download references and descriptions. Which makes reconciliation unnecessarily tedious.
3. No notification when scheduled transfers fail.
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Solid as a rock

It’s like it’s a reward to save. I struggle to save money and track my money. I’ve used many different banking apps and banks from one that ,bank and one that starts with a W that’s directional and they are a pac 👀ifyky
And more. I’m also a girlie who likes to get lottery tickets so I enjoy that saving and spending have their own benefit.
Love the lil animations keep that up chief great dopamine maxing both ends I normally only get it from spending. Definitely would use as kids first banking spot. Period. To learn the joys of saving and spending but like how they don’t push spending like credit cards do. It’s a reasonable amount for both. Okie bueeee
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They call themselves a “bank”?

A high-stakes obstacle course—where one wrong step, one missed transfer, or a 15-minute timing window can strip you of hundreds of dollars in interest—is a massive failure of the system. If you enjoy being manipulated, treated like a number and ignored then go for it!

2 notifications

Whenever i spend money I get 2 notifications, one saying app notifications and one saying money out. Can this be fixed?

Great App

Easy to use, looks great. Allows lots of seperate savings accounts that all accrue a competitive bonus interest rate. Love the running balance provided with each transaction. Great for shared accounts.

Love it

Easy to use, amazing interest rate for savings account. Great experience

Banking as it should be - quick, simple and useful.

I switched to UBank a couple of years ago as I wanted a simple and digital first way to manage all the day to day banking including shared accounts. I also wanted several (basic) features which included ApplePay (natively), payID, easy shared accounts and ability to manage and track bills separately, high interest and no bank fees. I looked at “UP Bank” but it was too gamified for my liking, plus a few other tier 2 banks. I landed on UBank and have can’t fault it. The one feature it didn’t have was shared bill accounts, which cams a few months later.
I also feel comfortable that is backed by a big bank but keeps the digital only feel.
Improved spend categorisation and custom categories would be useful, but not a deal breaker.
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My UBank

Best banking app honestly so cute and easy to use and the safest I think love my UBank

Too many hoops to jump through

Started off good, now you have jump through hoops to get a savings rate above 0.01%

Banking for dummies (no offense)

I can’t think of any extra features or changes Ubank could make to improve my banking experience. Too easy!

Appreciate your help

The best app

Rubbish

Made a small mistake setting up the account and despite calling then deleting and installing app again and again it wouldn’t let me open the account with no reason given why. I’ll deposit my large sum of money with a bank that actually wants it

Needs improvement

The team are always trying to upgrade the app which is great to see.
Making payments can be a pain with the app asking which account to send money from when inside the account itself.
The bank has a terrible spend and save account system whereby it’s very hard to generate interest savings and manage day to day expenses without manually moving cash around different accounts. Gets VERY annoying! It is trying to attract young people, but young people are typically savers. Go figure?
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