# BOQ Secure vs Ubank

The clearest difference is review sentiment: Ubank at 44% against BOQ Secure's 10%. Ubank also leads on update cadence (fortnightly vs every 10 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BOQ Secure ships an update every 10 months, Ubank fortnightly. Both last shipped on November 2, 2026.

## The numbers

| Metric | BOQ Secure | Ubank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.6 (167 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** |
| Number of ratings | — | **167** |
| Positive reviews | 10.0% of reviews | **43.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 7 MB | 142 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Bank of Queensland](https://appshunter.io/developer/345259059) | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) |

## What reviewers say

### BOQ Secure

[App page](https://appshunter.io/ios/app/boq-secure/id1046692071)

This app replaces a physical security token with a digital version on your smartphone. It requires online banking registration and a specific daily transaction limit to activate. Contact customer service for activation details and further information.

**Highlights:** Digital security token, Replaces physical device, Mobile-based authentication, Online banking integration, Customer service activation

**In-app purchases:** none


### Ubank

[App page](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099)

A digital banking app offering seamless management of daily finances, savings, travel expenses, and home loans. It provides smart tools for budgeting, instant transfers, and secure account access, making money management simple and personal.

**Highlights:** Digital bank accounts with no fees, High bonus interest savings accounts, Fee-free overseas spending and withdrawals, Real-time budgeting and spending tracking, Home loans with paperless application, Secure passkey login

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Simple and easy banking
- 🔒 Secure and trustworthy
- 👍 User-friendly app and website
- 💰 Competitive interest rates
- 🤝 Shared accounts feature

**What reviewers complain about**

- 🐛 Buggy app with frequent crashes and login issues
- 🔒 Restrictive ID requirements for account opening
- 🤔 Confusing changes to account structure and transaction rules
- 🕰️ Slow customer support and unresponsive to issues
- 💳 Inability to pay directly from savings accounts

**Reported bugs**

- Passkey login frequently not working
- Account balance not updating correctly
- Inability to delete old passkeys
- Swipe back gesture not functioning
- App freezing on splash screen

**Requested features**

- Custom expense categorization
- Apple Watch app or home screen widgets
- Improved transaction history and balance tracking
- Seamless integration with other bank accounts
- More transparency around interest rate changes


## Frequently asked questions

### Is BOQ Secure free?

BOQ Secure is free to download, with no in-app purchases.

### Is Ubank free?

Ubank is free to download, with no in-app purchases.

### Do BOQ Secure or Ubank have ads?

Neither BOQ Secure nor Ubank shows ads.

### Which is updated more often, BOQ Secure or Ubank?

BOQ Secure ships an update every 10 months, and Ubank fortnightly. Most recently, BOQ Secure was updated on November 2, 2026 and Ubank on November 2, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*