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Upgrade - Mobile Banking

Upgrade - Mobile Banking

Rewards Checking, Loans, Cards

80K ratings
348 reviews
#135 in free Finance
📚 Education
💰 Finance
Free

Details

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

Features

Developer

Upgrade, Inc.
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📉no. 135
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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 80K 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

1.32.1

May 18, 2026

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

Charts

Top Free

📉 135-1

Finance

This app dropped -1 position in Finance chart.

Last updated on August 7, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Excelent!

Excelent!
Lici70Lici70

Installment Easy

I got to use this app because I wanted to pay my domestic and international business class flights without immediately breaking the bank. I have been using this app for running 4 months now and I have to say, I am enjoying using it.

I can see the different payment plans I have in one easy place in one glance. It also gives me a credit score monitoring estimate, which to me is a nice additional gratitude.

I’m happy using this app. Keep up the excellent job, everyone!
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Saizter21Saizter21

Great account

Very easy to use
Pam2463Pam2463

Very nice, clean, basic, reliable bank.

Thanks Upgrade
Seth JudSeth Jud

Upgrade Card

Great card to use for credit or for a loan option
cisco4448cisco4448
See 343 more reviews

Developer apps

Upgrade Home for Contractors
Upgrade Home for Contractors

by Upgrade, Incorporated

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(11)

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Boost Money: Cash and Credit
Boost Money: Cash and Credit

Spend, Save, Build Credit

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(58)

Free
See 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.