# ANZ Transactive vs Ubank

The clearest difference is rating: Ubank at 4.6 against ANZ Transactive's 2.7. Ubank also leads on update cadence (fortnightly vs every 3 months) and review sentiment (44% vs 23%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Ubank holds the better App Store score, 4.6 against 2.7. That said, the two scores are not equally well evidenced: Ubank has 167 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 23% of ANZ Transactive's written reviews are positive against 44% of Ubank's.

ANZ Transactive ships an update every 3 months, Ubank fortnightly. Both last shipped on November 2, 2026.

## The numbers

| Metric | ANZ Transactive | Ubank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (7 ratings)](https://appshunter.io/ios/app/anz-transactive-global/id1404684767/reviews) | **[4.6 (167 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** |
| Number of ratings | 7 | **167** |
| Positive reviews | 23.1% of reviews | **43.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 59 MB | 142 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ANZ Banking Group Limited](https://appshunter.io/developer/351748977) | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) |

## What reviewers say

### ANZ Transactive

[App page](https://appshunter.io/ios/app/anz-transactive-global/id1404684767)

Access corporate banking features for payments and trade on the go. Manage cash, view transactions, and approve requests securely with multi-factor authentication and biometric login.

**Highlights:** Secure multi-factor authentication, Real-time account balance viewing, Transaction history and details, Approve/reject transactions, Dynamic FX rates, Biometric login (Touch/Face ID)

**In-app purchases:** none


### Ubank

[App page](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099)

A digital banking app offering seamless management of daily finances, savings, travel expenses, and home loans. It provides smart tools for budgeting, instant transfers, and secure account access, making money management simple and personal.

**Highlights:** Digital bank accounts with no fees, High bonus interest savings accounts, Fee-free overseas spending and withdrawals, Real-time budgeting and spending tracking, Home loans with paperless application, Secure passkey login

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Simple and easy banking
- 🔒 Secure and trustworthy
- 👍 User-friendly app and website
- 💰 Competitive interest rates
- 🤝 Shared accounts feature

**What reviewers complain about**

- 🐛 Buggy app with frequent crashes and login issues
- 🔒 Restrictive ID requirements for account opening
- 🤔 Confusing changes to account structure and transaction rules
- 🕰️ Slow customer support and unresponsive to issues
- 💳 Inability to pay directly from savings accounts

**Reported bugs**

- Passkey login frequently not working
- Account balance not updating correctly
- Inability to delete old passkeys
- Swipe back gesture not functioning
- App freezing on splash screen

**Requested features**

- Custom expense categorization
- Apple Watch app or home screen widgets
- Improved transaction history and balance tracking
- Seamless integration with other bank accounts
- More transparency around interest rate changes


## Frequently asked questions

### Is ANZ Transactive free?

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

### Is Ubank free?

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

### Which has better reviews, ANZ Transactive or Ubank?

Ubank is rated higher. ANZ Transactive averages 2.7 out of 5 from 7 ratings, while Ubank averages 4.6 from 167 ratings.

### Do ANZ Transactive or Ubank have ads?

Neither ANZ Transactive nor Ubank shows ads.

### Which is updated more often, ANZ Transactive or Ubank?

ANZ Transactive ships an update every 3 months, and Ubank fortnightly. Most recently, ANZ Transactive was updated on November 2, 2026 and Ubank on November 2, 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.*