Upgrade vs Best Egg
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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/).
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.
- Account management
- Secure access with encryption
- Bill payments
- Financial health tools
- Credit score monitoring
- Customer service access
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Upgrade ships an update fortnightly, Best Egg monthly. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.
| Parameter | Upgrade | Best Egg |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (84K ratings) — better | 4.8 (10K ratings) |
| Positive reviews | 54.2% of reviews — better | 35.1% of reviews |
| Number of ratings | 84K — better | 10K |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | #132 — better | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 92 MB | 33 MB |
| Age rating | 17+ | 4+ |
| Developer | Upgrade, Inc. | Best Egg Technologies, LLC |
Customer experience
Upgrade
Best Egg
User reviews
Upgrade
From 84K App Store ratingsWhat 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 ratingsWhat 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
Upgrade
No in-app purchases
Best Egg
No in-app purchases









