# Ubank vs UnLock

The clearest difference is update cadence: Ubank at fortnightly against UnLock's every 11 months. 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 ships an update fortnightly, UnLock every 11 months. The most recent releases landed on October 29, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Ubank | UnLock |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (168 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** | — |
| Number of ratings | **168** | — |
| Positive reviews | 43.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 11 months |
| Monetization | Free | — |
| Size | 142 MB | 54 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) | [Marketlend Pty Ltd](https://appshunter.io/developer/1198147869) |

## 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


### UnLock

[App page](https://appshunter.io/ios/app/unlock/id1578607699)

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Ubank free?

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

### Is UnLock free?

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

### Do Ubank or UnLock have ads?

Neither Ubank nor UnLock shows ads.

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

Ubank ships an update fortnightly, and UnLock every 11 months. Most recently, Ubank was updated on October 29, 2026 and UnLock on October 20, 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.*