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Upgrade - Mobile Banking

Upgrade - Mobile Banking

Rewards Checking, Loans, Cards

83K ratings
356 reviews
#134 in free Finance
📚 Education
💰 Finance
Free

Details

  • Released
  • Updated
  • March 25, 2019
  • August 10, 2026

Features

Developer

Upgrade, Inc.
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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

Summarized from real user reviews of Upgrade. Based on 83K reviews and a 4.9/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Excellent, easy-to-use app
  • 🔒Robust fraud prevention
  • 💰Competitive interest rates and rewards
  • 👍Seamless account management
  • 🏆Helpful in improving credit and consolidating debt

Negative things

  • 🐛Inconsistent account updates and transaction history
  • 🤔Unclear policies around credit limit changes
  • ❌Poor customer service and unresponsive to issues
  • 💳Card usage issues and unexpected account suspensions
  • 🕰️Slow processing of payments and deposits
See all reviews

What's New in Upgrade

1.33.0

August 10, 2026

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

Charts

Top Free

📈 134+1

Finance

This app rose +1 position in Finance chart.

Last updated on August 28, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Happy

Keep the good work!
pototo21pototo21

Great customer service skills

Great customer service skills and a genuinely kind and patient manner. She’s a real asset to your company. She deserves a raise and a promotion!!
Dealiooo EternalDealiooo Eternal

ROMAN!

Thank you to Roman for sorting my problems out.. no thanks to upgrade themselves. I’ve contacted support multiple times. Running around in circles.. Roman stepped up and got my problems figured out all while being professional and nice. He stayed on the phone with me until my payments cleared and got my account unlocked.. that man deserves a raise! Upgrade needs to hire more Roman’s!
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LazyBlazer92LazyBlazer92

Lost stars

Very Inconvenient to not be able to pay using my debit card. I'd rather know when my money is leaving my account.
Tee Lewis SrTee Lewis Sr

Unhappy customer

The fact that I had 1000 credit and in the middle of me paying it off yall dropped my credit limit and over draw me. No one has don’t that but yall and I am closing my account.
WilljoyWilljoy
See 351 more reviews

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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.