# Up vs Hostplus

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.

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.

## The numbers

| Metric | Up | Hostplus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (192 ratings)](https://appshunter.io/ios/app/up-simplify-money/id1350717115/reviews) | **[4.9 (93 ratings)](https://appshunter.io/ios/app/hostplus/id1499755194/reviews)** |
| Number of ratings | **192** | 93 |
| Positive reviews | **71.4% of reviews** | 50.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 485 MB | 30 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Up Money](https://appshunter.io/developer/1350717114) | [HOSTPLUS Super](https://appshunter.io/developer/960507091) |

## What reviewers say

### Up

[App page](https://appshunter.io/ios/app/up-simplify-money/id1350717115)

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.

**Highlights:** Budget control, Savings goals, Bill splitting, International travel tools, In-app support, Group finances

**Features:** Siri integration, Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and intuitive to use
- 💡 Helpful budgeting and saving features
- 👍 Seamless overseas transactions
- 🚀 Fast and responsive app
- 👍 Excellent customer service

**What reviewers complain about**

- 🐛 Account closure issues
- 🔒 Security and verification problems
- 👎 Declining interest rates
- 👎 Overly restrictive policies
- 👎 Inconsistent and unreliable service

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/hostplus/id1499755194)

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.

**Highlights:** Check account balance, Track contributions, View insurance details, Secure login (PIN, Touch ID, Face ID), Simple and easy to understand

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Up free?

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

### Is Hostplus free?

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

### Which has better reviews, Up or Hostplus?

Hostplus is rated higher. Up averages 4.7 out of 5 from 192 ratings, while Hostplus averages 4.9 from 93 ratings.

### Do Up or Hostplus have ads?

Neither Up nor Hostplus shows ads.

### Which is updated more often, Up or Hostplus?

Up ships an update fortnightly, and Hostplus every 2 months. Most recently, Up was updated on October 25, 2026 and Hostplus on October 25, 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.*