Up — Simplify Money

Up — Simplify Money

Upgrade your banking

187 ratings
651 reviews
Free

Details

  • Released
  • Updated
  • February 21, 2018
  • August 25, 2026

Features

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About

This app simplifies personal finance management, offering tools for budgeting, saving, and managing money with friends. It provides features for international travel and offers quick support from real people.

Budget control
Savings goals
Bill splitting
International travel tools
In-app support
Group finances
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What users say

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+1

What's New in Up

5.0.0

August 25, 2026

+ Essentials: our new automated bill management system is coming next week, 1 September. Give your regular bills and expenses a home of their own, with money automatically put aside from each pay so it's ready when your bills land. See what's covered at a glance, then pay bills directly from Essentials using its own card or account details.

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User reviews

Good bank

Trying to update upon new device

A few minor issues

I’ve been with you guys since 2021 and I’ve actually liked this bank but some things that’s given me the ick is the grow and flow. Like i use my savers as a way to stop spending and I put a certain amount in each one for the month like bills and that but then the grow and flow makes me feel guilty for using it on my daily expenses which I think shouldn’t be thing. I also am not liking that you guys are going through outages a fair bit lately especially last night. I like how you keep everyone up to date but I am lucky enough to have more banks so if this happens I have backup money else where but the outages do suck a fair bit but I am thinking of instead of going from using it daily to just using it as a back up savings for important things. You guys have been the longest bank I’ve been with since commonwealth stole my money
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Game changer

Up has absolutely changed how I manage my finances for the better

Very slow

Very slow with your updates and fixing the app when issues happen

App needs improvements to prevent further outages

Just had two outages in one month with Up, and the current one is yet to be fixed right on payday. I’ve been with Up for a few years now, and this is quite disappointing. I hope the team can improve the app to prevent this from happening again in the future.

User experience

🐞

Reported Bugs

4 issues

Frequent app crashes and freezes

Bug

Issues with payment processing and transaction tracking

Bug

Problems with account verification and access

Bug

Inconsistent behavior with Face ID/biometrics

Bug

Requested Features

5 requests

Ability to deposit cash

Feature

Integration with other budgeting/investing apps

Feature

More customization options for savers and accounts

Feature

Improved iPad app experience

Feature

Dark mode for the app

Feature

FAQ

What does this app do?

This app helps you manage your money easily. It allows you to set up budgets, track your spending, create savings goals for specific needs, and easily split bills or request money from friends. It also offers features to assist with overseas travel finances.

What are the key features of this app?

Key features include putting your budget on cruise control to know where your money goes, mapping out 'Savers' for your financial goals, simplifying money sharing with friends through bill splitting and requests, and providing tools for international travel. It also offers fast support from real humans.

Is this app free to use?

The app is free to download and use, with the possibility of in-app purchases for additional features or services. International money transfers are performed by Wise, and the app is a brand of Bendigo and Adelaide Bank Limited.

Who is this app designed for?

This app is designed for anyone looking to simplify their financial life, from individuals wanting better control over their budget and savings to groups who need an easy way to manage shared expenses and payments.

How does the app help with money management?

It provides tools to automate budgeting, track spending in real-time, and set up dedicated savings accounts for different goals. The app also facilitates easy peer-to-peer payments and bill splitting, making it convenient to manage finances with others.