# Westpac vs Up

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.

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

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.

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

## The numbers

| Metric | Westpac | Up |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (357 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews) | **[4.7 (193 ratings)](https://appshunter.io/ios/app/up-simplify-money/id1350717115/reviews)** |
| Number of ratings | **357** | 193 |
| Positive reviews | 33.4% of reviews | **71.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Ad-supported | **Free** |
| Size | 269 MB | 483 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Westpac Banking Corporation](https://appshunter.io/developer/299111814) | [Up Money](https://appshunter.io/developer/1350717114) |

## What reviewers say

### Westpac

[App page](https://appshunter.io/ios/app/westpac/id299111811)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/up-simplify-money/id1350717115)

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:** Siri integration, Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*