# Ubank vs Coposit

The clearest difference is review sentiment: Coposit at 100% against Ubank's 44%. Coposit also leads on monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Ubank ships an update fortnightly, Coposit monthly. The most recent releases landed on October 26, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Ubank | Coposit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (167 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** | — |
| Number of ratings | **167** | — |
| Positive reviews | 43.9% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 134 MB | 61 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) | [Coposit Pty Limited](https://appshunter.io/developer/1529241835) |

## What reviewers say

### Ubank

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

Manage your finances with a digital bank offering tools for spending, saving, and earning. Features include no monthly fees, bonus interest on savings, spending insights, and bill planning. Easily link external accounts and set savings goals.

**Highlights:** No monthly fees, Bonus interest on savings, Spending insights and pay cycle sync, Bill planner and separate bills account, Shared accounts for partners, Savings targets and autosave, Link external bank accounts

**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


### Coposit

[App page](https://appshunter.io/ios/app/coposit/id1529241833)

This platform helps you achieve homeownership faster by breaking down traditional deposit barriers. Secure a new home with a smaller initial deposit and pay the rest interest-free in installments while your property is being built.

**Highlights:** Reduced initial deposit, Interest-free installments, Browse exclusive property listings, Connect with developers, Secure deposit payments, Personalized payment tracking, Credit score and borrowing capacity checks

**In-app purchases:** none


## Frequently asked questions

### Is Ubank free?

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

### Is Coposit free?

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

### Do Ubank or Coposit have ads?

Neither Ubank nor Coposit shows ads.

### Which is updated more often, Ubank or Coposit?

Ubank ships an update fortnightly, and Coposit monthly. Most recently, Ubank was updated on October 26, 2026 and Coposit on October 8, 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.*