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Up — Simplify Money

Up — Simplify Money

Upgrade your banking

192 ratings
711 reviews
💰 Finance
Free

Details

Released
February 21, 2018
Updated
October 20, 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 about Up

Reviews of Up are mixed: the Finance app is rated 4.7/5 from 192 App Store ratings. What users like most: easy and intuitive to use, helpful budgeting and saving features. Top complaints: account closure issues, security and verification problems. Summarized from real user reviews.

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

5.2.0

October 20, 2026

+ Saver Insights is here. See how your Saver balances have changed over time, with a new view of your saving history and monthly insights that help you make sense of your progress. Complete with a pretty wild graph that brings it all to life. Ps: We’ve also added an easter egg somewhere in Saver Insights. We’ll drop a clue in our next release notes.

More

User reviews

Most RecentHighest RatedLowest Rated

Very good

Very good. Helps a lot.
DDomini1997

Small Caveats for and otherwise great product

Incredibly useful banking app that helps create a better picture on how you’re spending your money and where the only downside imo is the flow vs grow rate which there is a way to incorporate that into your savings but it’s just kind of annoying.
7S7th Symphony

Walaa

I am in love with this app! It’s a game changer! 🧡🧡🧡🧡
WAWalaa Alnaal

Brett’s

Wow
FFattiegan

Download Up

Great app. Fantastic features
LLittlej28
See 706 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.