# Westpac vs Ubank

The clearest difference is ads: Ubank at none against Westpac's shown. Ubank also leads on monetization model (free vs free with in-app purchases) and review sentiment (44% vs 33%). 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 4.6 for Ubank. Both are backed by a comparable volume of ratings — 356 and 167 respectively. Written reviews are what separate them: 33% of Westpac's written reviews are positive against 44% of Ubank's.

Westpac ships an update every 2 weeks, Ubank fortnightly. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | Westpac | Ubank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (356 ratings)](https://appshunter.io/ios/app/westpac/id299111811/reviews) | **[4.6 (167 ratings)](https://appshunter.io/ios/app/ubank-digital-banking/id1449543099/reviews)** |
| Number of ratings | **356** | 167 |
| Positive reviews | 33.4% of reviews | **43.8% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 264 MB | 142 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Westpac Banking Corporation](https://appshunter.io/developer/299111814) | [86 400 Technology Pty Ltd](https://appshunter.io/developer/1395091065) |

## What reviewers say

### Westpac

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

Manage your finances with a secure and smart banking application. It offers tools for everyday banking, money management, and insights to boost your financial confidence. Seamlessly switch between personal and business accounts.

**Highlights:** Secure banking, Smart tools, Money management, Financial insights, Personal and business banking, Easy payments

**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


### 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


## Frequently asked questions

### Is Westpac free?

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

### Is Ubank free?

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

### Which has better reviews, Westpac or Ubank?

Ubank is rated higher. Westpac averages 4.6 out of 5 from 356 ratings, while Ubank averages 4.6 from 167 ratings.

### Do Westpac or Ubank have ads?

Westpac shows ads; Ubank does not.

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

Westpac ships an update every 2 weeks, and Ubank fortnightly. Most recently, Westpac was updated on November 1, 2026 and Ubank on November 2, 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.*