Comparison

Up vs Thriday

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Budget control
  • Savings goals
  • Bill splitting
  • International travel tools
  • In-app support
  • Group finances
Features
Read full description

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.

About

Thriday

This app provides Australian small businesses with integrated financial management tools. It offers transaction accounts, debit cards, invoicing, receipt management, bookkeeping, and accounting features to automate financial administration and save time.

Highlights
  • Business transaction account
  • Visa debit card
  • Quoting and invoicing
  • Receipt management
  • Automated bookkeeping
  • Real-time accounting forecasts
Features
Read full description

Thriday gives Australian small businesses end-to-end control of their money, including transaction accounts, debit card, quoting, invoicing, receipt management, bookkeeping, accounting and tax, all in one place. We save small businesses a huge amount of time and money by automating financial admin. KEY FEATURES Rapid Registration Get your new business registered fast using Thriday's Rapid Registration service. Tireless Transacting Start transacting with your full-featured business transaction account in minutes, not weeks. Make payments with your Visa Debit card wherever Visa is accepted. Quick Quotes Quickly and easily create quotes on the app and web. Send via email and SMS from wherever you are. Instant Invoicing Designed to help you get paid fast! Send your customers payment reminders. Offer them early payment incentives. Charge late payment fees. Group your invoices and quotes with intelligent tagging. Ready Receipts Scan, send and save receipts from anywhere. Automatically reconcile receipts to transactions. Set up intelligent email forwarding rules to send straight to your Thriday account. Brilliant Bookkeeping Bookkeeping is a breeze when you use the Thriday App to scan and upload receipts quickly. Thriday automatically reconciles expenses to your corresponding transactions in real-time. Auto Accounting Stay in control of your business with real-time, automated cash flow and tax forecasts. Take advantage of comprehensive reports, so you know where you stand at all times. PRICING Thriday comes with a 30-day free trial. After the trial period, you will be charged a monthly subscription and incidental pass-on costs where required. ELIGIBILITY Thriday currently supports sole trader businesses that are registered with a valid ABN. You must be over the age of eighteen to open an account and pass the relevant ID verification checks during registration. CUSTOMER CARE Thriday has a super friendly customer care team you can contact from Monday - Friday, 9 am to 5 pm on 1800 THRIDAY (1800 847 4329). If you prefer to chat or drop us an email, you can access these features via the app or visit our website www.thriday.com.au. We would love to hear your feedback! You can now enjoy the whole Thriday experience. Open a business transaction account with a linked Visa Debit card, start transacting and reconcile your receipts. Send invoices and quotes. Review forecasts of your tax position. Save hours each week by automating your financial admin. TERMS Team Thrive Pty Ltd (Thriday) ABN 15 637 676 496 is an Authorised Representative (No.1297601) of Regional Australia Bank Ltd ABN 21 087 650 360, Australian Financial Services Licence (241167). Regional Australia Bank Ltd is the issuer of: - The transaction accounts with deposits of up to $250,000 AUD per account holder protected by the Financial Claims Scheme. - The Visa Debit card linked to the transaction account. - The Terms and Conditions of the transaction account and the Conditions of Use of the Visa Debit card are located at www.thriday.com.au/legal-and-privacy.

Screenshots

Up4 screens
Thriday4 screens

Verdict

The call

The clearest difference is monetization model: Up at free with in-app purchases against Thriday's subscription. Up also leads on ads (none vs shown) and device support (3 vs 1). Thriday's advantage is review sentiment (95% vs 71%). On price, update cadence and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Up ships an update fortnightly, Thriday weekly. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
Up versus Thriday: the parameters behind the verdict, then further details
ParameterUpThriday
PriceFreeFree
Rating4.7 (192 ratings) — better—
Positive reviews71.4% of reviews94.6% of reviews — better
Number of ratings192 — better—
Update frequencyFortnightlyWeekly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchases — betterSubscription
DevicesiPhone, iPod, Apple Watch — betteriPhone
Requires iOS15.1 — better17.6
Further details — not scored
Size485 MB89 MB
Age rating4+4+
DeveloperUp MoneyTeam Thrive Pty Ltd

Customer experience

Up

All ratings191 ratings
Positive92.1%
Neutral1.6%
Negative6.3%
Written reviews711 reviews
Positive71.4%
Neutral3.0%
Negative25.6%

Thriday

Written reviews56 reviews
Positive94.6%
Neutral0.0%
Negative5.4%

User reviews

Up

From 192 App Store ratings

What 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

Thriday

From App Store reviews

What we love

  • 👍 Easy to use and intuitive
  • 🚀 Time-saving automation features
  • 💡 Integrated banking and accounting
  • 💰 Good for sole traders and small businesses
  • ✅ Streamlined invoicing and payments

Room to improve

  • 🐛 Lack of options and frustrating limitations
  • 💻 App has fewer capabilities than the web version
  • ⚠️ Restrictions and not ideal for complex needs
  • ❓ Difficulty accessing GL accounts without upselling
  • ⏳ Transfers to other personal accounts can be slow

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

Thriday

Reported bugs

3 issues
  • Login screen freezes
  • Incompatible with older devices
  • App doesn't work for account creation

Requested features

5 requests
  • Ability to create rules for account allocations
  • View all transactions in each account
  • Instant payments
  • Offer personal accounts
  • Dark mode option

In-app purchases

None

Up

No in-app purchases

None

Thriday

No in-app purchases

Questions

Is Up free?
Up is free to download, with no in-app purchases.
Is Thriday free?
Thriday is free to download, with no in-app purchases.
Do Up or Thriday have ads?
Thriday shows ads; Up does not.
Which is updated more often, Up or Thriday?
Up ships an update fortnightly, and Thriday weekly. Most recently, Up was updated on October 29, 2026 and Thriday on October 24, 2026.

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