# Up — Simplify Money — Upgrade your banking > Personal finance app for budgeting, saving, and group money management. (iPhone/iPad app by Up Money.) - Source: https://appshunter.io/ios/app/up-simplify-money/id1350717115 (this page in markdown: same URL + `.md`) - Developer: [Up Money](https://appshunter.io/developer/1350717114) - Category: Finance - Price: Free - Rating: 4.70/5 from 187 App Store ratings · 623 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 496 MB - Languages: American English - Released: 2018-02-21 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/up-simplify-money/id1350717115/reviews.md ## What is Up? Simplify Money, Amplify Life. Up is designed to make money easy for everyone. Open an account in minutes and join over 1,000,000 Australians experiencing the financial control of Up. * Put your budget on cruise control. Say goodbye to nasty surprises, know where every buck goes and how much you can spend. * Map out Savers for the things you want and need. Up has the tools to make filling them up a breeze. The only winner in this game is you. * Money with mates just got easy. Slice bills and request cash from your mates (we'll handle the reminders). Send money with a chat and a gif. Ready to go multiplayer? Fight finances in co-op mode with 2Up. * We've got your back no matter where you're at. Up is your best companion for overseas travel, equipped with tools that allow you to speak the language of money no matter where you are in the world. * Get fast support from real humans, 18 hours a day, 7 days a week. Message our locally-based crew in-app via the Talk to Us tab. Get set up in minutes and experience firsthand why life's better on The Upside. T&Cs @ up.com.au/terms. International money transfers performed by Wise. Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879. Any advice provided is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550. ## Key features - Budget control - Savings goals - Bill splitting - International travel tools - In-app support - Group finances ## What do users think of Up? Overall sentiment: mixed **Pros** - 🚀 Easy and intuitive to use - 💡 Helpful budgeting and saving features - 👍 Seamless overseas transactions - 🚀 Fast and responsive app - 👍 Excellent customer service **Cons** - 🐛 Account closure issues - 🔒 Security and verification problems - 👎 Declining interest rates - 👎 Overly restrictive policies - 👎 Inconsistent and unreliable service **Commonly reported bugs** - Frequent app crashes and freezes - Issues with payment processing and transaction tracking - Problems with account verification and access - Inconsistent behavior with Face ID/biometrics **Most requested features** - Ability to deposit cash - Integration with other budgeting/investing apps - More customization options for savers and accounts - Improved iPad app experience - Dark mode for the app ## Recent user reviews (10 of 623) All indexed reviews: https://appshunter.io/ios/app/up-simplify-money/id1350717115/reviews.md ### 1/5 — Pathetic Cam interface doesn’t focus *2026-08-03, version 4.1.6* 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. ### 5/5 — The best Australian banking app *2026-08-02, version 4.1.6* 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 🤗 ### 5/5 — Reliable! *2026-07-30, version 4.1.6* 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! ### 1/5 — Contacts *2026-07-29, version 4.1.6* No ability to edit contacts ### 1/5 — Poor onboarding and dismissive complaint handling *2026-07-28, version 4.1.6* 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. ### 5/5 — Great life this *2026-07-28, version 4.1.6* I have now been using this app for 6 weeks and it’s genuinely been one of the funnest ways Ive saved money. I have automated everything so all my accounts are growing without me having to think about it. Its keeping me accountable to my spending habits and genuinely helping me to become more financially literate. I couldn’t recommend this app enough for anyone looking to make their budget and finances less bland. ### 5/5 — A Total Game-Changer! *2026-07-28, version 4.1.6* I originally started looking for a zero-fee card for overseas travel, and Gemini recommended Up Bank. Making the switch turned out to be one of the best financial decisions I've made! Here is why I ended up switching to Up Bank completely: Better Interest Rates: I realized their bonus interest rates were significantly higher compared to traditional banks like CommBank, making it a no-brainer to move my main savings over. Unbeatable Currency Exchange Rates: Their conversion rates are better than most remittance companies—it’s practically the same as the real-time XE rate! Zero Overseas & Foreign Currency Fees: Spending online and overseas with zero hidden card fees or foreign conversion surcharges has been amazing for travel and international shopping. Great Referral Perks: Their referral program gives $15 to both you and your friend when you sign up using a referral link, which is a great bonus to kick things off! Overall, Up Bank is modern, hassle-free, and saves me money every single month. Highly recommend it to anyone looking for a fee-free bank with great perks! ### 5/5 — Best Bank EVER!!! *2026-07-28, version 4.1.6* I cannot praise UP Bank highly enough!! Not only are the team amazing, but the perks and offers they have are second to none. No hidden fees, no additional charges for cards/transactions etc. plus I can travel overseas with no worries! I am constantly telling everyone about UP Bank. I have been with them for many years now and the app is extremely easy to use + I love the saving games they offer! ### 5/5 — Best way to save *2026-07-28, version 4.1.6* I love this bank so much it’s made saving for myself and with my household so much easier. ### 1/5 — Really difficult to recover account *2026-07-26, version 4.1.5* Lost my card overseas. Could not receive recovery code on my number while overseas. Had to change phone number to a friend’s still in Australia. Since then have never been able to access my account. App is TERRIBLE. If you navigate out of app to retrieve recovery code, you will not be able to return to enter recovery code. Online assistance is useless. They just repeat information in the app and tell you they can’t help more. If I ever manage to get my money back it’s gonna be bye-bye Up (yours) Bank. ## Frequently asked questions about Up ### 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. ## Version history (last 5 releases) ### 5.0.0 — 2026-08-25 + Essentials: our new automated bill management system is coming next week, 1 September. Give your regular bills and expenses a home of their own, with money automatically put aside from each pay so it's ready when your bills land. See what's covered at a glance, then pay bills directly from Essentials using its own card or account details. ### 4.1.7 — 2026-08-10 + Koalas actually have fingerprints that are almost indistinguishable from humans. Speaking of leaving no trace, we were super stealthy this release and fixed some bugs you never noticed. ### 4.1.6 — 2026-07-27 + 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. ### 4.1.5 — 2026-07-13 + 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. ### 4.1.4 — 2026-06-29 + Bug fixes + Housekeeping + Preparing ## Apps similar to Up | App | Rating | Price | Category | | --- | --- | --- | --- | | [Rocket Money - Bills & Budgets](https://appshunter.io/ios/app/rocket-money-bills-and-budgets/id1130616675) | 4.5 (383,770) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,634,711) | Free | Finance | | [Cleo AI: Cash Advance & Budget](https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646) | 4.7 (256,967) | Free | Finance | | [Money Manager Expense & Budget](https://appshunter.io/ios/app/money-manager-expense-and-budget/id560481810) | 4.8 (18,913) | Free | Finance | | [Expense & Budget App: Spendee](https://appshunter.io/ios/app/expense-and-budget-app-spendee/id635861140) | 4.6 (6,235) | Free | Finance | ## Related topics [frolo](https://appshunter.io/ios/topics/frolo) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*