# Upgrade - Mobile Banking — Rewards Checking, Loans, Cards

> Mobile banking app for rewards checking, loans, cards, and credit monitoring. (iPhone/iPad app by Upgrade, Inc..)

- Source: https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093 (this page in markdown: same URL + `.md`)
- Developer: [Upgrade, Inc.](https://appshunter.io/developer/1389859092)
- Category: Finance, Education
- Price: Free
- Rating: 4.90/5 from 83,329 App Store ratings · 356 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 95 MB
- Languages: Canadian English, Canadian French
- Released: 2019-03-25
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093/reviews.md

## What is Upgrade?

Get easy and rewarding mobile banking all in one place! Open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more.
 
Upgrade is a financial technology company, not a bank.
 
• Track Rewards – Earn cash back rewards on credit card purchases¹
• Manage Credit Card, Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance.
• Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score.
 
Share feedback at mobile_app_feedback@upgrade.com
 
Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/.
 
¹ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details.

All loans, credit cards, personal credit lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://www.upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank/).

## Key features

- 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

## Chart rankings

- #134 in Top Free · Finance (US App Store)

## What do users think of Upgrade?

Overall sentiment: neutral

**Pros**

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

**Cons**

- 🐛 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

**Commonly reported bugs**

- Login issues and inability to reset passwords
- Discrepancies between app and website information

**Most requested features**

- Ability to lock/unlock debit and credit cards
- Instant access to deposited funds
- Improved app stability and user experience

## Recent user reviews (10 of 356)

All indexed reviews: https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093/reviews.md

### 5/5 — Happy

*2026-08-23, version 1.33.0*

Keep the good work!

### 5/5 — Great customer service skills

*2026-08-20, version 1.33.0*

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!!

### 5/5 — ROMAN!

*2026-08-17, version 1.33.0*

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!

### 3/5 — Lost stars

*2026-08-17, version 1.33.0*

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

### 1/5 — Unhappy customer

*2026-08-15, version 1.33.0*

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.

### 1/5 — Won’t load

*2026-08-13, version 1.33.0*

Been trying for several days now. I’ve uninstalled, reinstalled app still won’t load.

### 5/5 — App rating

*2026-08-09, version 1.32.1*

EASY!!! User friendly

### 5/5 — Helpful

*2026-08-08, version 1.32.1*

This app is very helpful with my credit history

### 5/5 — Excelent!

*2026-08-04, version 1.32.1*

Excelent!

### 5/5 — Installment Easy

*2026-08-03, version 1.32.1*

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!

## Frequently asked questions about Upgrade

### 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.

## Version history (last 5 releases)

### 1.33.0 — 2026-08-10

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

### 1.32.1 — 2026-05-18

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

### 1.32.0 — 2026-05-13

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

### 1.31.1 — 2026-03-26

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

### 1.31.0 — 2026-03-18

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

## Apps similar to Upgrade

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Varo Bank: Online Banking](https://appshunter.io/ios/app/varo-bank-online-banking/id1517676784) | 4.9 (233,473) | Free | Finance |
| [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance |
| [OnePay – Mobile Banking](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953) | 4.9 (410,809) | Free | Finance |
| [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (195,858) | Free | Finance |
| [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (881,655) | Free | Finance |
| [SoFi: Bank, Invest & Crypto](https://appshunter.io/ios/app/sofi-bank-invest-and-crypto/id1191985736) | 4.7 (385,475) | Free | Finance |

## More apps by Upgrade, Inc.

- [Upgrade Home for Contractors](https://appshunter.io/ios/app/upgrade-home-for-contractors/id1631611913)
- [Boost Money: Cash and Credit](https://appshunter.io/ios/app/boost-money-cash-and-credit/id6756896490)

All apps by Upgrade, Inc.: https://appshunter.io/developer/1389859092

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*