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Up — Simplify Money

Up — Simplify Money

Upgrade your banking

189 ratings
674 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • February 21, 2018
  • September 11, 2026

Features

Developer

Up Money
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Up — Simplify Money screenshot #1 for iPhone
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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

Summarized from real user reviews of Up. Based on 189 reviews and a 4.7/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Easy and intuitive to use
  • 💡Helpful budgeting and saving features
  • 👍Seamless overseas transactions
  • 🚀Fast and responsive app
  • 👍Excellent customer service

Negative things

  • 🐛Account closure issues
  • 🔒Security and verification problems
  • 👎Declining interest rates
  • 👎Overly restrictive policies
  • 👎Inconsistent and unreliable service
See all reviews

What's New in Up

5.0.4

September 11, 2026

+ To the person on Reddit worried our last update note was a sign of things to come: we saw that. Anyway, bug fixes and performance improvements.

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User reviews

Most RecentHighest RatedLowest Rated

Incentavised savings

The app makes navigating your banking a breeze. With flexable savers and quick transfers UP banking is setting the pace in mobile banking for me.
AzarastacratAzarastacrat

Great App

Love it
Toruser123Toruser123

Intuitive and Considered

This is the most intuitive and well-thought-out banking app I’ve ever used. The 2Up interface is great, the shared savers are a really good idea and easy to use, and additional features like nominating someone to allow you faster access to unlocking your savers, are all indicators that this app is made by people who understand that life throws different situations at you. Banking shouldn’t be complicated - Up isn’t.
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Sylak20Sylak20

Great Bank and App

Super easy to use and helpful with managing your saving and money. Excellent customer service through the app chat. 100% recommended
MarinaMallorcaMarinaMallorca

Excellent service

Very easy to use highly recommended
Aussies🇮🇹Aussies🇮🇹
See 669 more reviews

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.