Review Insights · Google Play
Up - Easy Money
Up Money · 23,709 ratings · ★ 4.0
4.0
★★★★★
23,709 ratings
🎯 Build a better version
Top complaints - extracted from 26 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
"account"
12 negative reviews mention this · 46% of all complaints
★★★★★ "it sounds like a great app. it really does. even recommend to me by a family member. but it wont let me create an account no matter how many times ive tried and I have sent multiple emails to try and work past it and they cant even respond …" - x7DSins Sloth
2
"money"
7 negative reviews mention this · 27% of all complaints
★★★★★ "Let's me use card to fund my gambling account but doesn't allow any transfers to a crypto exchange who ive been trading with for the past 7 years. I thought UP was different from the major banks... apparently not. Do better UP & quit tellin…" - Jamie El
3
"give"
6 negative reviews mention this · 23% of all complaints
★★★★★ "no thanks, I don't want to give you a selfie and my drivers license so that you can leak it to the world within 5 minutes. it's not my fault your system is insecure and can't verify people without violating their private information" - John Carpenter
4
"been"
5 negative reviews mention this · 19% of all complaints
★★★★★ "The ID photo is the problem as it wants to be stored and manually checked. Any ID verification absolutely must be non-retentive and lots of apps already do facial recognition where retention is not required. Can make all the claims in the w…" - A A
5
"bank"
4 negative reviews mention this · 15% of all complaints
★★★★★ "up bank doesn't run osko for all transaction on the weekends and tells you to talk to the other bank when they're the issue with transaction I refering to up bank receiving not sending" - David Cavdar
6
"information"
4 negative reviews mention this · 15% of all complaints
★★★★★ "no thanks, I don't want to give you a selfie and my drivers license so that you can leak it to the world within 5 minutes. it's not my fault your system is insecure and can't verify people without violating their private information" - John Carpenter
7
"recommend"
4 negative reviews mention this · 15% of all complaints
★★★★★ "it sounds like a great app. it really does. even recommend to me by a family member. but it wont let me create an account no matter how many times ive tried and I have sent multiple emails to try and work past it and they cant even respond …" - x7DSins Sloth
8
"closed"
4 negative reviews mention this · 15% of all complaints
★★★★★ "closed my account after being with them from the beginning. bit of a kick in face. especially when they asked for id verification to then only after that be closed. shouldn't have set me up on false pretenses. and I referred so many others!…" - Suzie Vee
9
"days"
4 negative reviews mention this · 15% of all complaints
★★★★★ "waste of time. closed the account after 3 days. Payments/transfers blocked because suspicious, even though I have answered the series of security questions." - Filippo Gelada
10
"banking"
4 negative reviews mention this · 15% of all complaints
★★★★★ "my account is being shut down for no apparent reason all im told is some of my account activity is "out of their appetite" yet won't be told what activity they are referring to. they are also horrible when it comes to transaction disputes. …" - Jack Briggs (JU6ST6JA6CK)
11
"doesn"
3 negative reviews mention this · 12% of all complaints
★★★★★ "up bank doesn't run osko for all transaction on the weekends and tells you to talk to the other bank when they're the issue with transaction I refering to up bank receiving not sending" - David Cavdar
12
"other"
3 negative reviews mention this · 12% of all complaints
★★★★★ "up bank doesn't run osko for all transaction on the weekends and tells you to talk to the other bank when they're the issue with transaction I refering to up bank receiving not sending" - David Cavdar
📋 All 26 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").
The ID photo is the problem as it wants to be stored and manually checked. Any ID verification absolutely must be non-retentive and lots of apps already do facial recognition where retention is not required. Can make all the claims in the world about data security, but its been shown time and time again as being false claims.
no thanks, I don't want to give you a selfie and my drivers license so that you can leak it to the world within 5 minutes. it's not my fault your system is insecure and can't verify people without violating their private information
it sounds like a great app. it really does. even recommend to me by a family member. but it wont let me create an account no matter how many times ive tried and I have sent multiple emails to try and work past it and they cant even respond even a month later
Let's me use card to fund my gambling account but doesn't allow any transfers to a crypto exchange who ive been trading with for the past 7 years. I thought UP was different from the major banks... apparently not. Do better UP & quit telling me what I can or can't do with MY money
closed my account after being with them from the beginning. bit of a kick in face. especially when they asked for id verification to then only after that be closed. shouldn't have set me up on false pretenses. and I referred so many others! I got it up to $15 per referral. after this investigation, couldn't give me any definitive information about "what they discovered" cheers, thanks for nothing. do not recommend.
waste of time. closed the account after 3 days. Payments/transfers blocked because suspicious, even though I have answered the series of security questions.
Do Not Use!! I was a customer for almost 5yrs, and I was frozen out of my account that had all the money I have for 2 weeks with no explanation. Only when I lodged a complaint with AFCA did I see some positive reactions. Stay Away!
my account is being shut down for no apparent reason all im told is some of my account activity is "out of their appetite" yet won't be told what activity they are referring to. they are also horrible when it comes to transaction disputes. UP is way Down the list of banking institutions I would recommend.
awful terrible very bad no good
They have this paid "hifi" feature to try and use music to help you save, but the music makes me want to fall asleep. How could they have made banking even more stressful? I listen to the music, and it just reminds me of the people who spend all of their cash on goon back in the Uni days.
money got stolen out of my account and they said to me that they can ask the person to give it back but if they say no there is nothing they can do then blocked me from using them again be careful with this bank
Privacy Warning: Collects more than banking data-includes behavioural tracking (typing, scrolling), builds a “digital profile,” and may access installed apps. Uses tracking/analytics for marketing and shares data with third parties (including overseas). Complies with Office of the Australian Information Commissioner but isn’t privacy-minimised. Review settings or consider alternatives if privacy matters.
Users are Flowing away from Up, thanks to the new Flow and Grow rates on offer - now slashing your interest to 1.5%. edit: dev response: I have reached out and had "insights" shared at the time it was rolled out initially. It boils down to "sounds like a you problem". Makes it hard to recommend you, which is a shame because for years Up was the no-brainer choice for Aussies.
i have never ever delt with anyone like these , they stole my money, closed my account over money that was gifted to me..
rubbish
I can't even make an account, they said there was suspicious activity on my account and didn't give me anymore information. I loved this app and I signed up when it first came out, sucks that they've blocked me from using it without really knowing why.
have been using them for years, generally a good experience, but recently they let my card expire didn't give me a new one, we're 6 days into March with no card, I leave for a flight over seas in two hours, they suggested I pay for shipping to send a card over seas and hope it doesn't get stolen, otherwise, they suggested to pull out a month's worth of money from Woolworths/ other stores (thousands when you factor in accommodation), and then convert it at the airport, nullifying UPs exchange rat
This app is just unnecessarily confusing. It might be cooler than a traditional banking app but it's design is not intuitive and it's not scaling well with new features. For example setting up and managing auto transfers is extremely confusing, especially when a 2up account is in the mix. Update: the more time i spend with this app the harder it is to use. stop trying to be cool and just make it easy to use
Be warned! You cannot make transfer to foreign bank accounts or to any investment accounts. If you transfer to Wise, Revolut or even Bitcoin accounts you will be banned with no room to explain.
I've been trying to set up my account but it won't let me pass the passcode section. it keeps telling me my passcode is incorrect no matter how many times I reenter the code.
you have to be a professional photographer to even start using this bank. you give them every detail of your life then they want photos so you chuck them up and reject every photo and don't give you any other way to upload them. was the most frustrating waste of my time.
It's not working
used to be great, but haven't been able to get to my money for a few days now, my app is fully updated and everything, but it is stuck on the opening screen and goes no further
I used up to make a single transfer to coinjar of $200 and had my account closed. what an absurd product with zero consideration of real world use cases and why anyone would even want to use an app like this in the first place. avoid at all costs if you value your financial freedom and some basic respect as a user
up bank doesn't run osko for all transaction on the weekends and tells you to talk to the other bank when they're the issue with transaction I refering to up bank receiving not sending
there seems to be a glitch, when I "cover" a payment from a "saver" it takes money out of that "saver" but all I want to do is assign future payments to that "saver", can you fix this?
Sentiment summary
75%
Positive (4-5★)
2%
Neutral (3★)
23%
Negative (1-2★)