# Ubank vs Dosh

The clearest difference is rating: Ubank at 4.6 against Dosh's 3.7. Ubank also leads on ratings volume (162 vs 3) and update cadence (fortnightly vs every 6 weeks). Dosh's advantage is monetization model (free vs free with in-app purchases) and review sentiment (64% vs 43%). On price, ads, in-app purchases and device support 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 3.7. That said, the two scores are not equally well evidenced: Ubank has 162 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 43% of Ubank's written reviews are positive against 64% of Dosh's, so the app with the better star average is not the one people write more warmly about.

Ubank ships an update fortnightly, Dosh every 6 weeks. The most recent releases landed on September 24, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | Ubank | Dosh |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (162 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/dosh/id1551072628/reviews) |
| Number of ratings | **162** | 3 |
| Positive reviews | 43.1% of reviews | **63.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 134 MB | 116 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) | [MCA Investments Limited](https://appshunter.io/developer/1551072630) |

## 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


### Dosh

[App page](https://appshunter.io/ios/app/dosh/id1551072628)

Manage your money with this app that simplifies spending, saving, and borrowing. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. Set savings goals and earn competitive interest rates.

**Highlights:** Earn Phone Dollars on spending, Home loans with Phone Dollar bonus, Digital home loan application, Earn interest on savings, Set and track savings goals, Card spending notifications

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 💰 Great cashback rewards
- 🏠 Excellent home loan service
- 🚀 Fast and efficient processes
- 💡 Innovative features like Strive and Stashes

**What reviewers complain about**

- 😞 Cashback capped
- 😠 Partnership with One NZ disliked
- ⏳ Slow bank transfers
- 💳 Cannot reorder or get new cards easily
- 📱 One NZ blocking app

**Reported bugs**

- App won't run on two devices
- App turned black, causing eye strain
- Login screen freezes
- Incompatible with older devices
- Customer service support is lacking

**Requested features**

- Support for Apple Pay
- Ability to reorder accounts
- Monthly statements to download or email
- Balance shown after each transaction
- Username and password login option


## Frequently asked questions

### Is Ubank free?

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

### Is Dosh free?

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

### Which has better reviews, Ubank or Dosh?

Ubank is rated higher. Ubank averages 4.6 out of 5 from 162 ratings, while Dosh averages 3.7 from 3 ratings.

### Do Ubank or Dosh have ads?

Neither Ubank nor Dosh shows ads.

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

Ubank ships an update fortnightly, and Dosh every 6 weeks. Most recently, Ubank was updated on September 24, 2026 and Dosh on September 18, 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.*