Comparison

Westpac vs Up

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Westpac

Manage your finances securely and efficiently with this banking app. It offers tools for everyday banking, money management, and insights to help you plan and increase your financial confidence. Seamlessly switch between personal and business accounts.

Highlights
  • Secure everyday banking
  • Money management tools
  • Financial insights
  • Personal and business account switching
  • Cardless cash withdrawals
Features
Read full description

Make the most of your money with the Westpac App. Secure, smart, and packed with handy tools for everyday banking. With the latest security features and payments made simple, you can bank with confidence. You'll also have access to money management tools and insights, designed to make it easier to plan, keep track of things and increase your money confidence. Business banking? Switch seamlessly from personal to business banking in the App, so you can manage your money in one place. Things you should know: Read the Westpac Online Banking Terms and Conditions at westpac.com.au/westpacliveterms before making a decision and consider whether the product is right for you. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. ©Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

About

Up

This app simplifies personal finance with budgeting tools, savings goals, and easy bill splitting. It offers seamless overseas transactions and fast, human customer support. Manage your money effectively and achieve your financial goals with this intuitive platform.

Highlights
  • Budgeting tools
  • Savings goals
  • Bill splitting
  • Overseas travel features
  • Human customer support
  • Money management with friends
Features
Read full description

Simplify Money, Amplify Life. Up is designed to make money easy for everyone. Open an account in minutes and join over 1,000,000 Australians experiencing the financial control of Up. * Put your budget on cruise control. Say goodbye to nasty surprises, know where every buck goes and how much you can spend. * Map out Savers for the things you want and need. Up has the tools to make filling them up a breeze. The only winner in this game is you. * Money with mates just got easy. Slice bills and request cash from your mates (we'll handle the reminders). Send money with a chat and a gif. Ready to go multiplayer? Fight finances in co-op mode with 2Up. * We've got your back no matter where you're at. Up is your best companion for overseas travel, equipped with tools that allow you to speak the language of money no matter where you are in the world. * Get fast support from real humans, 18 hours a day, 7 days a week. Message our locally-based crew in-app via the Talk to Us tab. Get set up in minutes and experience firsthand why life's better on The Upside. T&Cs @ up.com.au/terms. International money transfers performed by Wise. Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879. Any advice provided is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.

Screenshots

Westpac4 screens
Up4 screens

Verdict

The call

Westpac and Up both sit at 4.6 stars, but that hides the real split: 71% of Up's written reviews are positive against 33% of Westpac's. Up also leads on ads (none vs shown) and monetization model (free vs ad-supported). On price, rating, ratings volume and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.6 for Westpac against 4.7 for Up. Both are backed by a comparable volume of ratings — 357 and 193 respectively. Written reviews are what separate them: 33% of Westpac's written reviews are positive against 71% of Up's.

UpkeepUpdate frequency

Westpac ships an update every 3 weeks, Up fortnightly. The most recent releases landed on November 8, 2026 and November 6, 2026 respectively.

Scorecard3 real differences · 7 level
Westpac versus Up: the parameters behind the verdict, then further details
ParameterWestpacUp
PriceFreeFree
Rating4.6 (357 ratings)4.7 (193 ratings) — better
Positive reviews33.4% of reviews71.4% of reviews — better
Number of ratings357 — better193
Update frequencyEvery 3 weeksFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPadiPhone, iPod, Apple Watch — better
Requires iOS16.015.1 — better
Further details — not scored
Size269 MB483 MB
Age rating4+4+
DeveloperWestpac Banking CorporationUp Money

Customer experience

Westpac

All ratings357 ratings
Positive90.5%
Neutral3.4%
Negative6.2%
Written reviews706 reviews
Positive33.4%
Neutral10.6%
Negative55.9%

Up

All ratings193 ratings
Positive92.2%
Neutral1.6%
Negative6.2%
Written reviews711 reviews
Positive71.4%
Neutral3.0%
Negative25.6%

User reviews

Westpac

From 357 App Store ratings

What we love

  • 🚀 Quick and efficient
  • 🔒 Secure banking
  • 👍 User-friendly interface
  • 💡 Convenient features like cardless cash withdrawals

Room to improve

  • 🐛 Crashes and freezes
  • 🔑 Login issues due to customer ID format limitations
  • 🕰️ Slow performance and loading times
  • 🤖 Unreliable chatbot/virtual assistant
  • 💤 Frequent log-outs and loss of saved login details

Up

From 193 App Store ratings

What we love

  • 🚀 Easy and intuitive to use
  • 💡 Helpful budgeting and saving features
  • 👍 Seamless overseas transactions
  • 🚀 Fast and responsive app
  • 👍 Excellent customer service

Room to improve

  • 🐛 Account closure issues
  • 🔒 Security and verification problems
  • 👎 Declining interest rates
  • 👎 Overly restrictive policies
  • 👎 Inconsistent and unreliable service

Bugs and requests

Westpac

Reported bugs

4 issues
  • Inability to log in due to customer ID format issues
  • Transactions not displaying correctly or in the right order
  • Repeated crashes and freezes, especially after updates
  • Quick balance feature not working reliably

Requested features

5 requests
  • Dark mode option
  • Improved transaction history and budgeting tools
  • Support for Apple Pay and other mobile payment options
  • Better notification system for account activity
  • Ability to customize app layout and features

Up

Reported bugs

4 issues
  • Frequent app crashes and freezes
  • Issues with payment processing and transaction tracking
  • Problems with account verification and access
  • Inconsistent behavior with Face ID/biometrics

Requested features

5 requests
  • Ability to deposit cash
  • Integration with other budgeting/investing apps
  • More customization options for savers and accounts
  • Improved iPad app experience
  • Dark mode for the app

In-app purchases

None

Westpac

No in-app purchases

None

Up

No in-app purchases

Questions

Is Westpac free?
Westpac is free to download, with no in-app purchases.
Is Up free?
Up is free to download, with no in-app purchases.
Which has better reviews, Westpac or Up?
Up is rated higher. Westpac averages 4.6 out of 5 from 357 ratings, while Up averages 4.7 from 193 ratings.
Do Westpac or Up have ads?
Westpac shows ads; Up does not.
Which is updated more often, Westpac or Up?
Westpac ships an update every 3 weeks, and Up fortnightly. Most recently, Westpac was updated on November 8, 2026 and Up on November 6, 2026.

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