# UFB Direct®

> Mobile banking, borrowing, and personal finance management tool. (iPhone/iPad app by Axos Bank.)

- Source: https://appshunter.io/ios/app/ufb-direct/id1448396485 (this page in markdown: same URL + `.md`)
- Developer: [Axos Bank](https://appshunter.io/developer/553264425)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 19,831 App Store ratings · 189 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.2 · 217 MB
- Languages: American English, French (France), European Spanish
- Released: 2019-03-03
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ufb-direct/id1448396485/reviews.md

## What is UFB Direct®?

UFB Direct delivers smart personal and business finance on the go.

Bank, borrow, and plan on your terms. Link and manage accounts. Track savings. Access and move money with ACH direct deposit, mobile deposit, and money transfer. Plus, pay bills and monitor your credit score. It’s the way financial services should be.

MOVE MONEY & ACCESS FUNDS
It’s your money – use it. Add money and send it where it needs to go.
• Transfer money to accounts, friends, and others
• Mobile check deposit
• Early direct deposit
• One-time and recurring bill pay
• Credit score monitoring
• Wire transfers

MANAGE CHECKING AND SAVINGS ACCOUNTS
Make your money work. Open a digital bank account. Manage debit and ATM cards. Get account balance and other alerts.
• Accounts for all ages, from teens to adults and seniors
• Freedom Checking
• High Yield Portfolio Savings
• High Yield Portfolio Money Market
• Certificates of Deposit (CDs)

BORROW MONEY & MANAGE LOANS
Apply for a loan, track details, and pay loans.
• Mortgages for home purchase and refinance
• Personal loans for large expenses, home improvements, debt consolidation, and more
• Set up and edit scheduled payments
• Enroll in payment alerts

CREDIT SCORE MONITORING
Watch your credit and learn how it impacts finances.
• Free credit score
• Credit score change alerts
• Credit score history

PERSONAL FINANCE MANAGER
Connect bank accounts to track money and gain insights to help master finances.
• Account aggregator
• Spending tracker
• Saving & investing trends
• Debt tracker

© 2025 UFB Direct, All Rights Reserved

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read our FDIC Notice. 

Axos Bank NMLS# 524995

## Key features

- Mobile check deposit
- Early direct deposit
- Bill pay
- Credit score monitoring
- Account aggregation
- Loan applications
- Savings and investment tracking

## What do users think of UFB Direct®?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 👍 User-friendly
- 🚀 Straightforward interface
- 🚀 Seamless money transfers
- 💰 Great interest rates

**Cons**

- 🐛 Buggy app performance
- 🕰️ Slow transaction processing times
- 🤖 Poor customer service
- 🔍 Difficult to set up account
- 🔒 Unreliable security features

**Commonly reported bugs**

- Frequent app crashes
- Login issues and errors
- Disappearing linked accounts
- Inconsistent mobile check deposit
- Inaccurate account balance display

**Most requested features**

- Landscape mode support for iPad
- Ability to edit future transfers
- Faster in-app balance updates
- Improved navigation and back buttons

## Recent user reviews (10 of 189)

All indexed reviews: https://appshunter.io/ios/app/ufb-direct/id1448396485/reviews.md

### 1/5 — App does not update

*2026-08-01, version 5.4.5*

It’s been a few months now and this app stopped updating. It simply shows “no transactions” when there are. It makes it extremely hard to check to see if a particular transaction has occurred. Have I been paid? Has that transaction gone through? I have absolutely no idea.

There is no excuse for 1) no fixing this and 2) not keeping your customers apprised of your progress.

### 3/5 — Previous version worked better

*2026-07-03, version 5.4.5*

Since this last update I can’t log in using my fingerprint. I have to type my login information every time.

### 2/5 — Low functionality

*2026-06-09, version 5.3.7*

There’s no way to see your individual account info. Clicking on the “account snapshot” (which only shows the total of all internal and external accounts) takes you to a page where they try to see you banking services.

### 2/5 — Check deposit problem

*2026-06-04, version 5.3.7*

Mobile deposit has not worked properly for months. Camera won't take the photos without a big delay and sometimes not at all.

### 1/5 — Terrible

*2026-06-03, version 5.3.7*

The app is never up to date, rarely reflects correct balances and now it’s saying that I don’t have an account at all.

### 1/5 — “No transactions”?

*2026-05-27, version 5.3.7*

I have been with UFB for over 3 years but in the last couple of months the app has started saying that my accounts have “no transactions” to display when I log on. This is clearly false as I use my checking account nearly daily. Also the last time I went to deposit a check it said that I needed to open an account to do so! I have multiple accounts open. How else do you think I got onto the app!  This app was OK before but now it is basically useless. Not sure how much I can trust an online bank that isn’t transparent and doesn’t allow for basic online functions.

### 1/5 — Worst banking app

*2026-04-09, version 5.3.7*

I’ve had UFB since 2024. Their banking app is subpar to all other financial apps out there. It is glitchy, many times it doesn’t work at all. It takes time for it to give you your balance. Sometimes the balance is off or shows no balance at all. Really disappointed on how bad this app is. Only reason why I’m still banking with them it’s because all my payments are set up through them. I will be transitioning out soon.

### 2/5 — Very inconsistent app

*2026-03-11, version 5.2.4*

Sometimes it just won’t load any of my transactions, sometimes it won’t let me log in, and sometimes it works just fine. Very unpredictable and frustrating.

### 5/5 — Great job

*2026-02-18, version 5.0.9*

Very quick response and helpful thank you

### 5/5 — Speed up transfers

*2026-02-02, version 5.0.9*

I love the app and everything about it but please speed up the transfers. You guys are quick to withdraw the money from my accounts but slow to transfer lol

## Frequently asked questions about UFB Direct®

### What can I do with the UFB Direct app?

The app allows you to manage your personal and business finances on the go. You can link and manage accounts, track savings, move money via ACH, mobile deposit, and transfers, pay bills, and monitor your credit score. It also facilitates opening digital bank accounts, managing debit/ATM cards, and applying for various loans.

### What types of accounts can I manage?

You can manage checking and savings accounts, including Freedom Checking, High Yield Portfolio Savings, High Yield Portfolio Money Market, and Certificates of Deposit (CDs). The app is designed for users of all ages, from teens to adults and seniors.

### Does the app offer borrowing options?

Yes, the app allows you to apply for and manage loans. This includes mortgages for home purchase and refinance, auto loans for buying or refinancing vehicles, and personal loans for large expenses, home improvements, or debt consolidation. You can also set up and edit scheduled payments and enroll in payment alerts.

### Is there a cost to use the UFB Direct app?

The description indicates that bank products and services are offered by Axos Bank, and the app itself is free to use. While the core banking and finance management features are available without charge, there might be associated fees for specific banking services as per Axos Bank's terms and conditions.

### What are the key features for managing my money?

Key features include the ability to transfer money to accounts, friends, and others, mobile check deposit, early direct deposit, one-time and recurring bill pay, and wire transfers. The app also provides a free credit score monitoring service with alerts and history, and acts as a personal finance manager with an account aggregator, spending tracker, and savings/debt tracking.

## Version history (last 5 releases)

### 5.5.504 — 2026-08-21

Bug fixes to enhance the user experience.

### 5.4.6 — 2026-08-04

Bug fixes to enhance the user experience.

### 5.4.5 — 2026-06-16

Bug fixes to enhance the user experience.

### 5.3.7 — 2026-03-23

Bug fixes to enhance the user experience.

### 5.2.4 — 2026-02-26

Bugfixes to enhance the user experience.

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## More apps by Axos Bank

- [Axos Business](https://appshunter.io/ios/app/axos-business/id602353019)
- [Axos Treasury Management](https://appshunter.io/ios/app/axos-treasury-management/id1262011819)
- [Axos Agent](https://appshunter.io/ios/app/axos-agent/id1317927749)
- [Axos All-In-One Mobile Banking](https://appshunter.io/ios/app/axos-all-in-one-mobile-banking/id1396586421)
- [Axos Bank for Nationwide](https://appshunter.io/ios/app/axos-bank-for-nationwide/id1439501616)

All apps by Axos Bank: https://appshunter.io/developer/553264425

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*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 2026-08-29.*