Comparison

Upgrade vs Best Egg

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

Head to head
About

Upgrade

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Highlights
  • Cash back rewards on card purchases
  • Manage personal loans and credit lines
  • Track credit score and receive alerts
  • High-yield savings accounts
  • Cash advance requests
  • Bill payment and balance checking
Features
Currently charting
Read full description

Get easy and rewarding mobile banking all in one place! Open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more. Upgrade is a financial technology company, not a bank. • Track Rewards – Earn cash back rewards on credit card purchases¹ • Manage Credit Card, Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance. • Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share feedback at mobile_app_feedback@upgrade.com Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/. ¹ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details. All loans, credit cards, personal credit lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://www.upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank/).

About

Best Egg

Manage your personal finances securely and conveniently from anywhere. Check balances, pay bills, and monitor your credit score with a suite of financial health tools. Access account details and customer service easily within the app.

Highlights
  • Account management
  • Secure access with encryption
  • Bill payments
  • Financial health tools
  • Credit score monitoring
  • Customer service access
Features
Read full description

Best Egg: Financial control at your fingertips. Download the personal finance app that allows you to manage your Best Egg accounts from anywhere. The seamless and secure financial management experience goes where you go. Easily and conveniently check your balance, pay your bills, and monitor your credit score with the Best Egg app. Key Features: • Account Management: View your account balances, payment history, and detailed statements anytime, anywhere. • Secure Access: Your security is our top priority. Best Egg: Personal Finance uses industry-leading encryption to ensure your data is protected. • Bill Payments: Stay on top of your monthly bill and pay directly from the app. Add new payment sources and update existing banking information easily. • Financial Health Tools: Access a powerful suite of tools and resources designed to help you boost your credit score and manage your finances with confidence. • Customer Service: Our award-winning, dedicated customer service team is at your fingertips. Contact them through the app or request a call for a time that’s convenient to you.

Screenshots

Upgrade4 screens
Best Egg3 screens

Verdict

The call

The clearest difference is monetization model: Best Egg at free against Upgrade's free with in-app purchases. Upgrade's advantage is review sentiment (54% vs 35%) and update cadence (fortnightly vs monthly). On price, rating, ads 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Upgrade against 4.8 for Best Egg. That said, the two scores are not equally well evidenced: Upgrade has 84K ratings behind it against 10K, so its average is the more settled of the two. Written reviews are what separate them: 54% of Upgrade's written reviews are positive against 35% of Best Egg's.

UpkeepUpdate frequency

Upgrade ships an update fortnightly, Best Egg monthly. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

Scorecard6 real differences · 5 level
Upgrade versus Best Egg: the parameters behind the verdict, then further details
ParameterUpgradeBest Egg
PriceFreeFree
Rating4.9 (84K ratings) — better4.8 (10K ratings)
Positive reviews54.2% of reviews — better35.1% of reviews
Number of ratings84K — better10K
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#132 — better—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better17.0
Further details — not scored
Size92 MB33 MB
Age rating17+4+
DeveloperUpgrade, Inc.Best Egg Technologies, LLC

Customer experience

Upgrade

All ratings83,567 ratings
Positive97.4%
Neutral1.5%
Negative1.1%
Written reviews367 reviews
Positive54.2%
Neutral6.3%
Negative39.5%

Best Egg

All ratings10,071 ratings
Positive94.8%
Neutral1.2%
Negative4.0%
Written reviews114 reviews
Positive35.1%
Neutral2.6%
Negative62.3%

User reviews

Upgrade

From 84K App Store ratings

What we love

  • 🚀 Excellent, easy-to-use app
  • 🔒 Robust fraud prevention
  • 💰 Competitive interest rates and rewards
  • 👍 Seamless account management
  • 🏆 Helpful in improving credit and consolidating debt

Room to improve

  • 🐛 Inconsistent account updates and transaction history
  • 🤔 Unclear policies around credit limit changes
  • ❌ Poor customer service and unresponsive to issues
  • 💳 Card usage issues and unexpected account suspensions
  • 🕰️ Slow processing of payments and deposits

Best Egg

From 10K App Store ratings

What we love

  • 👍 Able to log in
  • 👍 Thankful for the update

Room to improve

  • 🐛 Unable to log in
  • 🐛 Keyboard covers submit button
  • 🐛 App doesn't work
  • 🐛 Login credentials not recognized
  • 🐛 Cannot sign in

Bugs and requests

Upgrade

Reported bugs

2 issues
  • Login issues and inability to reset passwords
  • Discrepancies between app and website information

Requested features

3 requests
  • Ability to lock/unlock debit and credit cards
  • Instant access to deposited funds
  • Improved app stability and user experience

Best Egg

Reported bugs

3 issues
  • Login issues
  • App not recognizing login credentials
  • Keyboard covering submit button

Requested features

2 requests
  • Fix login issues
  • Improve app functionality

In-app purchases

None

Upgrade

No in-app purchases

None

Best Egg

No in-app purchases

Questions

Is Upgrade free?
Upgrade is free to download, with no in-app purchases.
Is Best Egg free?
Best Egg is free to download, with no in-app purchases.
Which has better reviews, Upgrade or Best Egg?
Upgrade is rated higher. Upgrade averages 4.9 out of 5 from 84K ratings, while Best Egg averages 4.8 from 10K ratings.
Do Upgrade or Best Egg have ads?
Neither Upgrade nor Best Egg shows ads.
Which is updated more often, Upgrade or Best Egg?
Upgrade ships an update fortnightly, and Best Egg monthly. Most recently, Upgrade was updated on September 25, 2026 and Best Egg on September 24, 2026.

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