Up vs Hostplus
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Up
This app simplifies personal finance management, offering tools for budgeting, saving, and managing money with friends. It provides features for international travel and offers quick support from real people.
- Budget control
- Savings goals
- Bill splitting
- International travel tools
- In-app support
- Group finances
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Simplify Money, Amplify Life. Up is designed to make money easy for everyone. Open an account in minutes and join over 1,000,000 Australians experiencing the financial control of Up. * Put your budget on cruise control. Say goodbye to nasty surprises, know where every buck goes and how much you can spend. * Map out Savers for the things you want and need. Up has the tools to make filling them up a breeze. The only winner in this game is you. * Money with mates just got easy. Slice bills and request cash from your mates (we'll handle the reminders). Send money with a chat and a gif. Ready to go multiplayer? Fight finances in co-op mode with 2Up. * We've got your back no matter where you're at. Up is your best companion for overseas travel, equipped with tools that allow you to speak the language of money no matter where you are in the world. * Get fast support from real humans, 18 hours a day, 7 days a week. Message our locally-based crew in-app via the Talk to Us tab. Get set up in minutes and experience firsthand why life's better on The Upside. T&Cs @ up.com.au/terms. International money transfers performed by Wise. Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879. Any advice provided is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.
Hostplus
Manage your superannuation and insurance on the go. Check your balance, track contributions, and access useful features securely. Designed for existing members, it offers a simple and intuitive experience.
- Check account balance
- Track contributions
- View insurance details
- Secure login (PIN, Touch ID, Face ID)
- Simple and easy to understand
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At Hostplus, we pride ourselves on being uncomplicated. We make sure everything we do is simple to understand and full of only useful things. Our app is no exception. Check your balance, track your contributions, view your insurance and more with the Hostplus app. Getting started - This app is for Hostplus super members. If you don’t have an account with us, you can join online at hostplus.com.au - To make sure you’re using the latest features, please make sure your automatic updates are switched on. Logging in - Login easily with a PIN, Touch ID, or Face ID for secure access to your information on the go.
Screenshots
Verdict
The clearest difference is monetization model: Hostplus at free against Up's free with in-app purchases. Up's advantage is update cadence (fortnightly vs every 2 months) and review sentiment (71% vs 50%). On price, rating, ratings volume and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Hostplus holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 192 and 93 respectively. Written reviews complicate that: 71% of Up's written reviews are positive against 50% of Hostplus's, so the app with the better star average is not the one people write more warmly about.
Up ships an update fortnightly, Hostplus every 2 months. Both last shipped on October 25, 2026.
| Parameter | Up | Hostplus |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (192 ratings) | 4.9 (93 ratings) — better |
| Positive reviews | 71.4% of reviews — better | 50.3% of reviews |
| Number of ratings | 192 — better | 93 |
| Update frequency | Fortnightly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 16.0 |
| Further details — not scored | ||
| Size | 485 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Up Money | HOSTPLUS Super |
Customer experience
Up
Hostplus
User reviews
Up
From 192 App Store ratingsWhat we love
- 🚀 Easy and intuitive to use
- 💡 Helpful budgeting and saving features
- 👍 Seamless overseas transactions
- 🚀 Fast and responsive app
- 👍 Excellent customer service
Room to improve
- 🐛 Account closure issues
- 🔒 Security and verification problems
- 👎 Declining interest rates
- 👎 Overly restrictive policies
- 👎 Inconsistent and unreliable service
Hostplus
From 93 App Store ratingsWhat we love
- 👍 Easy to use and navigate interface
- 📱 Clean, modern, and intuitive design
- ⚡ Quick access to balance and account information
- 📊 Helpful graphs and visual balance tracking
- 🔔 Real-time balance update notifications
Room to improve
- 🐛 Frequent app crashes and errors
- ⏱️ Slow loading times and laggy performance
- 🔄 Frequent maintenance windows and downtime
- ❌ Login failures and authentication issues
- 📉 Real-time balance updates degraded to 1-2 days
Bugs and requests
Up
Reported bugs
4 issues- Frequent app crashes and freezes
- Issues with payment processing and transaction tracking
- Problems with account verification and access
- Inconsistent behavior with Face ID/biometrics
Requested features
5 requests- Ability to deposit cash
- Integration with other budgeting/investing apps
- More customization options for savers and accounts
- Improved iPad app experience
- Dark mode for the app
Hostplus
Reported bugs
14 issues- App stuck on loading screen after PIN entry
- Login button unresponsive after recent updates
- Error 122: Minimum security requirements violation
- Unexpected error messages preventing app access
- Session timeout during password recovery
Show 9 moreShow fewer
- App forgets login details after updates
- Error 115: Cannot connect to ChoicePlus
- Blue screen with no content displayed
- Facial recognition reverting to PIN without reason
- App requires update but no update available
- Push notifications with test messages appearing
- Continue button not responding during login
- Extended maintenance periods (14+ hours)
- App crashes after new updates
Requested features
13 requests- Historical balance tracking by specific dates
- Financial year earnings breakdown (not just 12 months)
- Better graphs and detailed performance analysis
- Investment switching capability on app
- Two-factor authentication via authenticator app
Show 8 moreShow fewer
- More detailed asset allocation information
- Download statements functionality
- Advanced calculators and financial tools
- Swap function for investments
- Better iPad optimization and landscape mode
- Ability to view investment returns and drill-down analysis
- Performance reports accessible on app
- Larger margin options for trading orders
In-app purchases
Up
No in-app purchases
Hostplus
No in-app purchases
Questions
Is Up free?
Is Hostplus free?
Which has better reviews, Up or Hostplus?
Do Up or Hostplus have ads?
Which is updated more often, Up or Hostplus?
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