Upgrade - Mobile Banking

Upgrade - Mobile Banking

Rewards Checking, Loans, Cards

80K ratings
341 reviews
#130 in free Finance
📚 Education
💰 Finance
Free

Details

  • Released
  • Updated
  • March 25, 2019
  • May 18, 2026

Features

Upgrade - Mobile Banking screenshot #1 for iPhone
Upgrade - Mobile Banking screenshot #2 for iPhone
Upgrade - Mobile Banking screenshot #3 for iPhone
Upgrade - Mobile Banking screenshot #4 for iPhone
Upgrade - Mobile Banking screenshot #5 for iPhone
Upgrade - Mobile Banking screenshot #6 for iPhone
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About

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Cash back rewards on card purchases
Manage personal loans and credit lines
Track credit score and receive alerts
High-yield savings accounts
Cash advance requests
Bill payment and balance checking
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What users say

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What's New in Upgrade

1.32.1

May 18, 2026

We're constantly improving our app and working on the next exciting features!

Charts

Top Free

📈 130+1

Finance

This app rose +1 position in Finance chart.

Last updated on July 18, 2026.

User reviews

Provisional credit scam

I lost my debit card, there was an erroneous charge. I disputed the charge well within the 90 day timeframe, this scam bank told me they would credit my account while they investigate. I NEVER received the provisional credit they promised, and my money that was stolen was never returned. I definitely wouldn’t trust this phony scam bank.
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Really a big help!!

I received a consolidation loan from Upgrade and it allowed me to raise my credit score and get some much needed breathing room financially. Thank you Upgrade!!

JOKE!!

This app an absolute joke. No matter how many times I try to verify my ID, it constantly says that it’s unable to verify and read the bs. It doesn’t matter how clear the photos are, it keeps giving you the same loop. It’s a complete waste of time and an absolute joke!

Two cars 2016 Buick Enclave & 2010 Chevy Tahoe Both $20,000.00

Rick Green 940/363/2267

Amazing App

I use this app every week to make Carson that my credit deathly & accurate information is being reported. I los use it for the other loan opportunities so I can save money. Thank you for all of your support. Also one thing that I’d really important is that you have very pleasant & knowledgeable representatives whenever I call. Upfront representation are the one that either makes or breaks any comp.
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Developer apps

User experience

🐞

Reported Bugs

2 issues

Login issues and inability to reset passwords

Bug

Discrepancies between app and website information

Bug

Requested Features

3 requests

Ability to lock/unlock debit and credit cards

Feature

Instant access to deposited funds

Feature

Improved app stability and user experience

Feature

FAQ

What does the Upgrade mobile banking app do?

This app provides a comprehensive mobile banking experience. You can manage rewards checking accounts, apply for and manage personal loans, credit lines, and cards. It also allows you to track balances, pay bills, monitor your credit score, and request cash advances.

What are the key features of the Upgrade app?

Key features include earning cash back rewards on Upgrade Card purchases, managing various loan types (personal, auto, home improvement), tracking your credit score with alerts and a simulator, opening high-yield savings accounts, and requesting cash advances. It also facilitates bill payments and balance checks.

Is the Upgrade app free to use?

The app itself is free to download and use for basic banking functions. However, certain premium features, such as express delivery for cash advances and higher APY on savings accounts, require a $9.99/month Premium subscription.

What types of accounts can I manage with this app?

You can manage a variety of financial accounts including rewards checking, personal loans, Flex Pay buy now pay later, Upgrade Card, auto finance and refinance accounts, home improvement accounts, and savings accounts. It also supports managing Upgrade Visa® Cards and Debit Cards.

How does the app help with credit building?

The app helps build credit by reporting on-time payments for your Boost Money™ Card to the three major credit bureaus. It also offers a Credit Health feature to monitor your credit score, receive notifications of changes, and use a simulator to understand how different financial actions might impact your score.