Upgrade - Mobile Banking

Upgrade - Mobile Banking

Rewards Checking, Loans, Cards

84K ratings
375 reviews
#140 in free Finance
📚 Education
💰 Finance
Free

Details

  • Released
  • Updated
  • March 25, 2019
  • October 5, 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
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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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+1

What's New in Upgrade

1.35.0

October 5, 2026

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

Charts

Top Free

📈 140+1

Finance

This app rose +1 position in Finance chart.

Last updated on October 11, 2026.

User reviews

Apple Store Upgrade

Damn thing won’t open.

way too later for fund availability

Other bank takes one day.

Worst credit card ever

The worst credit line I have this credit card for more than 4 years never gave me extra credit line and I paid all my payments on time

2nd Chance

So far, upgrade has helped a lot. I wish it was something more for Victims of Domestic Violence and Sexual Assault Victims and survivors. If victims need to show proof, or any proof of their abuse like a court order protection, I wish Upgrade would have more support and options for all victims to Upgrade in their life in general to start over and make ways to escape better and not have victims to worry about where to go, how much things are, and being an advocate for us. The title Upgrade should mean much more and more meaningful. Overall, this app has helped me and my children to stay up-float. But it’s not enough to escape, get a hotel for a week or two, or even relocate to a safe place. I would love to work with Upgrade to show people the real meaning Upgrade can do. Please consider this idea that can help us and make the company grow and qualify for Federal Grants if you do support victims to Upgrade in real life. Thank you.
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Balance reflection

I love my upgrade card I just wish that my payment was automatically deducted from my bank account like Capital one does instead of having and account with a false balance that takes days to get deducted an leaves you wondering how much money you really do have in your account.

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.