Up — Simplify Money

Up — Simplify Money

Upgrade your banking

182 ratings
623 reviews
Free

Details

  • Released
  • Updated
  • February 21, 2018
  • July 27, 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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What's New in Up

4.1.6

July 27, 2026

+ We didn't reinvent the wheel this update, but we did spray a whole lot of WD-40 on the axles. You can now expect a slightly smoother, entirely squeak-free app experience.

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User reviews

Pathetic Cam interface doesn’t focus

so this fancy app only bank has a verification system within the app that DOES NOT focus on your id documents. Why ?? because the QA never tested it or else would have failed it. It doesn’t switch lenses to a macro shot but is a fixed focus lens that takes id doc pics in focus only if taken from a distance.
so much for for fancy features when the app can’t even do basic photo capture.
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The best Australian banking app

Up Bank has been a bank that has changed the way I use and save my money. The savers help me budget every week, and using features like pay splitting make sure that I stay disciplined.

The support is top-notch in chat and the lack of AI is so refreshing when looking at the customer service of other banks.

If you’re looking for a way that you can manage your funds 10x better. I would recommend Up everyday of the week 🤗
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Reliable!

I had bought tickets for a lotto and they’d unknowingly subscribed me……when another payment came out I was able to use the chat in the app to notify UP and the scam payment was put on hold, investigated and stopped!! Hallelujah!! It’s that easy! I’ve had several wonderful easy communications! Phew. What a comfort! LOVE UP! Today it’s my number one acc! Thankyou!
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Contacts

No ability to edit contacts

Poor onboarding and dismissive complaint handling

I spent around 30 minutes attempting to open an Up account before reaching the identity-verification stage and discovering that Up accepts only an Australian driver’s licence or passport. A current government-issued Proof of Age card is not accepted, and no alternative verification pathway is available.

My bigger issue was the complaint response. Support referred me back to an email explaining the restriction—an email sent only after I had already encountered the problem and contacted them. They then suggested I had been informed and “went ahead with the signup,” which completely misrepresented the sequence of events and felt unnecessarily defensive and patronising.

Up eventually deleted my incomplete applications as requested, but the experience showed poor upfront disclosure, inaccessible onboarding, and complaint handling focused more on defending the process than understanding the customer’s concern.
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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.