Up — Simplify Money

Up — Simplify Money

Upgrade your banking

190 ratings
687 reviews
Free

Details

  • Released
  • Updated
  • February 21, 2018
  • October 5, 2026

Features

Up — Simplify Money screenshot #1 for iPhone
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Up — Simplify Money screenshot #10 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

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What's New in Up

5.1.0

October 5, 2026

+ Up Home is opening a new door this week. What’s on the other side? You’ll have to wait and see. + General tinkering, bug bothering and making things behave themselves. Light work.

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User reviews

Do not open an account in this bank!

Extremely disappointing customer service.

I needed official proof of a transfer from my Up account showing my name and account details. The receipt provided by the app doesn’t include my name, and Up was unable to provide any alternative documentation.

I contacted support by email and was repeatedly redirected to chat, where I was told they couldn’t help. When I asked to speak with a manager, I was simply ignored.

Instead, they recommended that I take a screenshot of the transfer as proof that I made it.

How can a serious bank be unable to provide a simple document confirming that I made a transfer from my own account, with my name clearly shown?

This experience is the reason I’m closing my Up Bank account.
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Good

Good

Essentials could be improved

My Essentials Wishlist:
1. Essentials accessible from the Activity tab instead of buried in Savers
2. Automatic pay splitting based on the amounts in Upcoming for the relevant pay period only (I know Up likes to allocate amounts for future bills in the Spendable feature but if we can choose to toggle this off that would be amazing)
3. Tbh Essentials doesn’t even have to be a separate card details but could just be the same account faux split, but viewable like it’s a ‘sub account’. It’s kind of a pain to change where all my bills are paid from
Thx Up ily 🫶🏼 looking forward to future improvements x
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Doesn't load constant errors

Continually getting error codes

Error ID:bc58535e9ebc
Error ID: 5ad01ab74bd3
Error ID: afa6e814b177

Not sure what this means

Sahadat

Awesome!

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.