Up — Simplify Money

Up — Simplify Money

Upgrade your banking

182 ratings
607 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 21, 2018
  • July 13, 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

4.1.5

July 13, 2026

+ Home Zone now includes Borrowing Power. Switch between Property Price and Borrowing Power to compare what you could currently afford with the maximum you could comfortably borrow with Up Home. + Home Deposit Saver has been refined. Setting a deposit goal is now clearer and easier.

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User reviews

Love it

It’s the perfect app for banking

Leveled up banking!

I have never been as good with my money as what I am now and that is largely because of Up banking. And i will tell this story to anyone and everyone who ever talks money or asks about the bank I use

I set my budget. split my pay automatically into multiple savings accounts to reflect that budget and then I have auto covers that take the money from the relevant saver (for example filling up fuel from a servo comes from my fuel account automatically)

In the past it was the moving money between savers what made budgets come undone for me. With up that problem no longer exists.

Massive fan of up.
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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

Best bank app, def up there ;)

So good, always improving, great features and if you are on ceno your pay comes in a day earlier. Lit🔥😂

Happy Banker

Been a member since 2019 and it has helped me automate my money and save. Great bank and great app functionality!

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.