# Ubank vs Thriday

The clearest difference is review sentiment: Thriday at 95% against Ubank's 44%. Ubank's advantage is monetization model (free vs subscription) and ads (none vs shown). On price, update cadence, 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 ships an update fortnightly, Thriday weekly. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Ubank | Thriday |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (168 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** | — |
| Number of ratings | **168** | — |
| Positive reviews | 43.8% of reviews | **94.6% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | **Free** | Subscription |
| Size | 142 MB | 89 MB |
| Requires iOS | **16.4** | 17.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) | [Team Thrive Pty Ltd](https://appshunter.io/developer/1552878927) |

## What reviewers say

### 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


### Thriday

[App page](https://appshunter.io/ios/app/thriday/id1552878925)

This app provides Australian small businesses with integrated financial management tools. It offers transaction accounts, debit cards, invoicing, receipt management, bookkeeping, and accounting features to automate financial administration and save time.

**Highlights:** Business transaction account, Visa debit card, Quoting and invoicing, Receipt management, Automated bookkeeping, Real-time accounting forecasts

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and intuitive
- 🚀 Time-saving automation features
- 💡 Integrated banking and accounting
- 💰 Good for sole traders and small businesses
- ✅ Streamlined invoicing and payments

**What reviewers complain about**

- 🐛 Lack of options and frustrating limitations
- 💻 App has fewer capabilities than the web version
- ⚠️ Restrictions and not ideal for complex needs
- ❓ Difficulty accessing GL accounts without upselling
- ⏳ Transfers to other personal accounts can be slow

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- App doesn't work for account creation

**Requested features**

- Ability to create rules for account allocations
- View all transactions in each account
- Instant payments
- Offer personal accounts
- Dark mode option


## Frequently asked questions

### Is Ubank free?

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

### Is Thriday free?

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

### Do Ubank or Thriday have ads?

Thriday shows ads; Ubank does not.

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

Ubank ships an update fortnightly, and Thriday weekly. Most recently, Ubank was updated on October 29, 2026 and Thriday on October 24, 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.*