Review Insights · Google Play
Ubank: Digital Banking
86400 · 23,033 ratings · ★ 4.0
4.0
★★★★★
23,033 ratings
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Top complaints - extracted from 44 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"bank"
13 negative reviews mention this · 30% of all complaints
★★★★★ "No way to provide TFN unless you call up. Pretty backwards considering we are on 2023. Don't want to be on the phone for 30 minutes to do something that would take 20 seconds. also now on my new pixel 10 pro it is completely glitchy and I c…" - A Cm
2
"ubank"
12 negative reviews mention this · 27% of all complaints
★★★★★ "UBank and it's staff desperately need a 20 year tax audit for repeated deliberate wilful systemic organised crime." - Glen
3
"interest"
10 negative reviews mention this · 23% of all complaints
★★★★★ "When I follow your instructions for downloading an EOFY interest statement I get 12 separate statements downloaded 😮💨🤦♀️ Why does it have to be so difficult?" - Jessica Hagley
4
"account"
10 negative reviews mention this · 23% of all complaints
★★★★★ "after closing my bank account with no real answers, I know do not recommend this bank. sorry. Edit- Do you know why it was closed then? Under what general terms? As I said no real answer and how would you know anything about my bank account…" - Suzie Vee
5
"money"
7 negative reviews mention this · 16% of all complaints
★★★★★ "We "help" you via call. This call MUST BE RECORDED. I don't consent to being recorded. We can't help you. "This message was deleted" is the most popular message when trying to ask anything meaningful via their non instant chat. Still unable…" - Ankit Jagannath
6
"locked"
6 negative reviews mention this · 14% of all complaints
★★★★★ "No way to provide TFN unless you call up. Pretty backwards considering we are on 2023. Don't want to be on the phone for 30 minutes to do something that would take 20 seconds. also now on my new pixel 10 pro it is completely glitchy and I c…" - A Cm
7
"other"
6 negative reviews mention this · 14% of all complaints
★★★★★ "do not bank with ubank they will close your bank and send you hundred dollars and the other hundreds to themselves most greedy bank ever and all they think about is profits" - Sonny Tremaine
8
"without"
5 negative reviews mention this · 11% of all complaints
★★★★★ "After using app for decades without issue, now told no longer compatible with device. FAIL." - Nanga Mai
📋 All 44 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
No way to provide TFN unless you call up. Pretty backwards considering we are on 2023. Don't want to be on the phone for 30 minutes to do something that would take 20 seconds. also now on my new pixel 10 pro it is completely glitchy and I cannot log in at all. flashing pictures, buttons with no text on them, now I'm locked out. we will change banks I'm over this.
UBank and it's staff desperately need a 20 year tax audit for repeated deliberate wilful systemic organised crime.
won't open
hopeless !!!!!
useless not going through my application that's how you lost your costumer
We "help" you via call. This call MUST BE RECORDED. I don't consent to being recorded. We can't help you. "This message was deleted" is the most popular message when trying to ask anything meaningful via their non instant chat. Still unable to use my own money despite repeatedly flagging for the last FIVE YEARS. they have so much emphasis on security, I can't even transact, send or receive MY OWN money take that bad guys! if our customers can't do anything with THEIR OWN MONEY, who exactly won
after closing my bank account with no real answers, I know do not recommend this bank. sorry. Edit- Do you know why it was closed then? Under what general terms? As I said no real answer and how would you know anything about my bank account from this profile (as I obviously dont use my real names for on here. STILL DONT RECOMMEND. And seems like a lot people also agree with me.
wasn't able to join
do not bank with ubank they will close your bank and send you hundred dollars and the other hundreds to themselves most greedy bank ever and all they think about is profits
I have a large sum of money I wanted to invest. Entered my ID details and got an error message saying I can't open an account. Called Ubank and was given generic scripting and told there is no way around it. What a shame.
After using app for decades without issue, now told no longer compatible with device. FAIL.
if i could no star i would theyve been the worst support to talk to vague answers ,, editing again they took the cash put it on pending and tell you itll be back soon when you dont know just itll be back buddy they wontnlet you use your momey how you want they wont even let you make purchases without giving you a problem worst bank so far. ive been on hold with your agents for 2 hours on chat want me to message more on socials so i can be played with some.more like this is a game someones livley
ubank random set my spend account balance to -1000. There is not even a record of a transaction that did this; Ignoring the fact that a debit acc can't be negative.
Trash design trash change trash bank. All my data is gone. Ubank has handled this horribly. New version, still trash. edit 2026: design has improved. less neon. but the new changes to howbonus interest is gained is restrictive. still one star.
I am a ubank customer and I’m being bullied. Ubank locked my account for no reason , I sent money from my personal savings account from another bank to my Ubank spend account and my account got locked till now. This money was to sort out an emergency. I need my money for personal and family use but you guys are just so heartless , evil , inconsiderate and selfish. What exactly is the reason for locking my account ? What sort of bullying is this?
Frustrating
Cannot log into the app. Ubank website and other bank apps work. Unfortunately key functions are locked behind the app, so looks like my time with ubank has come to an end. update post response: yeah nah thanks, I'm not part of the "socials" sheep herd. I've already reported the issue multiple times to support. I'm now using a different bank and their app works without issue.
I open app and half the screen is blank assistance needed
Terrible ux and capabilities
messages keep deleting themselves
Disgusting. The app stopped working so I called, and because I declined to provide biometrics (although did provide every other piece of info and ID incl photos of my photo ID), you've now blocked my entire account so I cannot even access internet banking as I could before calling you. Instead of helping you blocked me. I have since provided the Manual ID method, signed by a JP, and you are still blocking my account and don't reply to emails. SIX WEEKS and counting.REPLY TO MY OFFICIAL COMPLAINT
garbage bank garbage app trash service won't let you withdraw money, reset password new password doesn't work, NAB sucks and I'll be pulling all my money out soon for one of their competitors
had an issue with their account security team. for all the humanity they displayed, i would rather have dealt with AI. I hope the guys I dealt with have a career plan B because they will be replaced soon.
Since the new update, I cant login on my android phone..
run away ! read the fine print. lured in with a goot rate, with the only condition to deposit 1$ a month, only to find if your balance drops not only do you not get monthly interest you don't even get a lower percentage, zero, nothing, whilst the bank happily still uses the money in your account. I now bank with a bank that down not require me to jump thru hoops to use my own money. zero stars if there was a choice.
won't let me login and access. I want to get my funds. getting your interest on the locked accounts
Thanks for the $30 to try out the bank. It looks promising but I shouldn't have to be calling the bank to sort out something as simple as adding a card to PayPal. Huge red flag, which gives credit to other reviews re being locked out of their accounts etc. Not risking my everyday banking when I can't even verify an account for PayPal without calling the bank.
Customer service is zero
Scamming bank. Scammed me out of an entire month of interest. Do not use this bank for high interest savings account!
Was good, now It tells me to update my phone before I can use the App. No update for my phone and everything else works. I won't be buying a new phone just to use this App, but I will be looking at other banks.
Ubank moving to add more and more requirements to earn the bonus interest is a massive mistake!! It is forcing me to consider moving to another bank that does not make their experience worse over time.
too hard to get reasonable interest and the punishment rate if you make a mistake it's too big
this app went from good to bad. can't use it with an old OS. Yet other banks still works for me.
can't open this app will not work whatsoever why is this
I went to update the app today only to NOT be able to update and to be told my phone is no longer compatible with the app !!!!! I'm now locked out of my online banking ???? I have a perfectly good and functional smart phone - a Samsung S9 running Android10. I checked the recent online app reviews in the AppStore. It appears your developers' arbitrary decision with this update limitation has caused a massive problem for a LARGE number of customers. NAB /Ubank ... please reverse this
ubank takes 3 days to transfer money to another Australian bank, they tell me
Awful experience, just signed up with ubank and with every transaction or payment I tried they blocked all my accounts from making payments. I was unable access my money to buy everyday essentials or pay my bills. They were not able to immediately resolve the issue so it took days before I could access my finances again. I do not recommend ubank.
what a useless app. can't login can't contact anyone can't do anything!!!
new bonus interest rules mean you can't make a large withdrawal without forgoing interest. only work around is to withdraw everything. I now only keep a minimal balance in ubank and have moved larger savings to Macquarie
from march 2026 it is no longer compatible with galaxy s9.
When I follow your instructions for downloading an EOFY interest statement I get 12 separate statements downloaded 😮💨🤦♀️ Why does it have to be so difficult?
predatory siphoning of saver's interest if they withdraw mid-month and not top up.
Stupid app asks for my finger print THREE TIMES before I can access it.
Installed and was going to open a joint savings account but after reading the reviews and the 0% interest if you go below the previous month balance decided not for us. Macquarie Bank offers a far more flexible product with almost the save rate and no penalties or requirements each month.
Sentiment summary
73%
Positive (4-5★)
6%
Neutral (3★)
21%
Negative (1-2★)