# Up vs Dosh

The clearest difference is rating: Up at 4.7 against Dosh's 3.7. Up also leads on ratings volume (189 vs 3) and update cadence (fortnightly vs every 6 weeks). Dosh's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, ads and in-app purchases there is nothing between them.

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

Up holds the better App Store score, 4.7 against 3.7. That said, the two scores are not equally well evidenced: Up has 189 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 72% of Up's written reviews are positive against 64% of Dosh's.

Up ships an update fortnightly, Dosh every 6 weeks. The most recent releases landed on September 23, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | Up | Dosh |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (189 ratings)](https://appshunter.io/ios/app/up-simplify-money/id1350717115/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/dosh/id1551072628/reviews) |
| Number of ratings | **189** | 3 |
| Positive reviews | **71.5% of reviews** | 63.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 496 MB | 116 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Up Money](https://appshunter.io/developer/1350717114) | [MCA Investments Limited](https://appshunter.io/developer/1551072630) |

## 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


### Dosh

[App page](https://appshunter.io/ios/app/dosh/id1551072628)

Manage your money with this app that simplifies spending, saving, and borrowing. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. Set savings goals and earn competitive interest rates.

**Highlights:** Earn Phone Dollars on spending, Home loans with Phone Dollar bonus, Digital home loan application, Earn interest on savings, Set and track savings goals, Card spending notifications

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 💰 Great cashback rewards
- 🏠 Excellent home loan service
- 🚀 Fast and efficient processes
- 💡 Innovative features like Strive and Stashes

**What reviewers complain about**

- 😞 Cashback capped
- 😠 Partnership with One NZ disliked
- ⏳ Slow bank transfers
- 💳 Cannot reorder or get new cards easily
- 📱 One NZ blocking app

**Reported bugs**

- App won't run on two devices
- App turned black, causing eye strain
- Login screen freezes
- Incompatible with older devices
- Customer service support is lacking

**Requested features**

- Support for Apple Pay
- Ability to reorder accounts
- Monthly statements to download or email
- Balance shown after each transaction
- Username and password login option


## Frequently asked questions

### Is Up free?

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

### Is Dosh free?

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

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

Up is rated higher. Up averages 4.7 out of 5 from 189 ratings, while Dosh averages 3.7 from 3 ratings.

### Do Up or Dosh have ads?

Neither Up nor Dosh shows ads.

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

Up ships an update fortnightly, and Dosh every 6 weeks. Most recently, Up was updated on September 23, 2026 and Dosh on September 18, 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.*