# Upgrade vs Flowly Balance

Upgrade and Flowly Balance both sit at 4.9 stars, but that hides the real split: 100% of Flowly Balance's written reviews are positive against 53% of Upgrade's. Upgrade's advantage is in-app purchases (none vs 2) and ratings volume (84K vs 3). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Flowly Balance sells 2 in-app purchases, starting at $9.99 per month. Upgrade asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for Upgrade against 5.0 for Flowly Balance. That said, the two scores are not equally well evidenced: Upgrade has 84K ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 53% of Upgrade's written reviews are positive against 100% of Flowly Balance's.

Upgrade ships an update every 11 days, Flowly Balance weekly. The most recent releases landed on November 9, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Upgrade | Flowly Balance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (84K ratings)](https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/flowly-balance/id6775233928/reviews)** |
| Number of ratings | **84K** | 3 |
| Positive reviews | 52.7% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 11 days | **Weekly** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#148** | — |
| Size | 93 MB | 5 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Upgrade, Inc.](https://appshunter.io/developer/1389859092) | [Camila Bernardino de Lima](https://appshunter.io/developer/6775233930) |

## What reviewers say

### Upgrade

[App page](https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093)

**Currently charting:** #148 Top Free · Finance (US App Store)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

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


### Flowly Balance

[App page](https://appshunter.io/ios/app/flowly-balance/id6775233928)

Effortlessly track your spending by letting this app automatically categorize transactions from your SMS messages. Gain insights into your cash flow, set financial goals, and receive automated summaries to better understand your financial habits.

**Highlights:** SMS expense tracking, Automatic transaction categorization, Financial dashboards, Spending insights, Budget and savings goals, Cash flow monitoring

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Flowly Premium Monthly | $9.99 | per month |
| Flowly Balance Premium Annual | $69.99 | per year |


## Frequently asked questions

### Is Upgrade free?

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

### Is Flowly Balance free?

Flowly Balance is free to download, with in-app purchases available.

### Which has better reviews, Upgrade or Flowly Balance?

Flowly Balance is rated higher. Upgrade averages 4.9 out of 5 from 84K ratings, while Flowly Balance averages 5.0 from 3 ratings.

### Do Upgrade or Flowly Balance have ads?

Neither Upgrade nor Flowly Balance shows ads.

### Which is updated more often, Upgrade or Flowly Balance?

Upgrade ships an update every 11 days, and Flowly Balance weekly. Most recently, Upgrade was updated on November 9, 2026 and Flowly Balance on October 31, 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.*