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Upgrade - Mobile Banking

Upgrade - Mobile Banking

Rewards Checking, Loans, Cards

84K ratings
381 reviews
#142 in free Finance
📚 Education
💰 Finance
Free

Details

Released
March 25, 2019
Updated
October 16, 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
Show original description

What users say about Upgrade

Reviews of Upgrade are mixed: the Finance app is rated 4.9/5 from 84K App Store ratings. What users like most: excellent, easy-to-use app, robust fraud prevention. Top complaints: inconsistent account updates and transaction history, unclear policies around credit limit changes. Summarized from real user reviews.

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

1.35.1

October 16, 2026

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

Charts

Top Free

📉 142-1

Finance

This app dropped -1 position in Finance chart.

Last updated on November 2, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Not good

This card was good as an emergency card but now it’s just like a high interest loan card.
DNDennis nickname

Repayment

I don’t get paid until late in the day and it tries to take the payment out early in the morning and it makes it. Like I am late making the payment when. I am not
AAlinarcio

Rates

My credit score is good so why are my interests rates so high
DPDasher Sean P.

Lame

Doesn’t let you take an advance out the same day you pay it back, what if I needed the funds? You guys suck do better
MMostlyGhostly1

Alert

Lovely with the immediate alert
OOkapi4t4
See 376 more reviews

Developer apps

Upgrade Home for Contractors
Upgrade Home for Contractors

by Upgrade, Inc.

💰 Finance

(11)

Free
Boost Money: Fast Cash Advance
Boost Money: Fast Cash Advance

Spend, Save, Build Credit*

💰 Finance

(249)

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.