# Ubank vs GIO App

The clearest difference is rating: GIO App at 5.0 against Ubank's 4.6. GIO App also leads on monetization model (ad-supported vs free with in-app purchases). Ubank's advantage is ratings volume (167 vs 1) and review sentiment (44% vs 29%). 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.

GIO App holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Ubank has 167 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 44% of Ubank's written reviews are positive against 29% of GIO App's, so the app with the better star average is not the one people write more warmly about.

Ubank ships an update fortnightly, GIO App every 5 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Ubank | GIO App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (167 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/gio-app/id1580340581/reviews)** |
| Number of ratings | **167** | 1 |
| Positive reviews | **43.9% of reviews** | 28.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 weeks |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 134 MB | 246 MB |
| Requires iOS | **16.4** | 18.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) | [AAI Limited](https://appshunter.io/developer/666174181) |

## 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


### GIO App

[App page](https://appshunter.io/ios/app/gio-app/id1580340581)

Easily manage supported insurance policies on the go. Update personal and payment details, make renewals, and check policy documents. Track claims, receive status updates, and get important notifications like renewals and weather alerts.

**Highlights:** Manage insurance policies, Update personal details, Make renewal payments, Check policy documents, Track home and motor claims, Receive status updates, Policy notifications and weather alerts

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

**In-app purchases:** none


## Frequently asked questions

### Is Ubank free?

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

### Is GIO App free?

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

### Which has better reviews, Ubank or GIO App?

GIO App is rated higher. Ubank averages 4.6 out of 5 from 167 ratings, while GIO App averages 5.0 from 1 ratings.

### Do Ubank or GIO App have ads?

Neither Ubank nor GIO App shows ads.

### Which is updated more often, Ubank or GIO App?

Ubank ships an update fortnightly, and GIO App every 5 weeks. Most recently, Ubank was updated on October 25, 2026 and GIO App 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.*