# Click Loans vs Ubank

The clearest difference is update cadence: Ubank at fortnightly against Click Loans's every 3 months. Ubank also leads on review sentiment (44% vs 33%). Click Loans's advantage is iOS requirement (12.0 vs 16.4). 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.

Click Loans ships an update every 3 months, Ubank fortnightly. The most recent releases landed on November 2, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | Click Loans | Ubank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.6 (169 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** |
| Number of ratings | — | **169** |
| Positive reviews | 33.3% of reviews | **43.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 152 MB | 142 MB |
| Requires iOS | **12.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Macquarie Bank Limited](https://appshunter.io/developer/455148996) | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) |

## What reviewers say

### Click Loans

[App page](https://appshunter.io/ios/app/click-loans/id1250711408)

Manage your accounts and finances on the go with real-time balance and transaction updates. Securely access your accounts with advanced login options and receive instant notifications for all activity. Easily make payments, find ATMs, and manage your cards for complete financial control.

**Highlights:** Real-time account balances, Transaction history, Secure login options (4-digit, TouchID), Instant transaction notifications, Card activation and PIN management, ATM locator, BPAY and funds transfers

**Features:** Apple Wallet, Vision Pro support

**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 Click Loans free?

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

### Is Ubank free?

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

### Do Click Loans or Ubank have ads?

Neither Click Loans nor Ubank shows ads.

### Which is updated more often, Click Loans or Ubank?

Click Loans ships an update every 3 months, and Ubank fortnightly. Most recently, Click Loans was updated on November 2, 2026 and Ubank on November 11, 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.*