App Profile: Upgrade - Mobile Banking

Android / Games / Puzzles

Upgrade - Mobile Banking

Installs:

Rating:

4.86

Total Reviews:

74.96k

Top Countries:

< $5k

/mo

90k

/mo

Reviews: What People Think About Upgrade - Mobile Banking

Deccomom

Rating: 5/5

I’ve been an Upgrade customer for about a year and a half. I had been working on raising my credit score by paying down my credit cards for YEARS! But I finally needed to get serious as my retirement was anything but easy! I looked into Upgrade and they had a very attractive rate for a personal loan that would pay off the credit cards in 3 years with a much lower interest rate than I had expected! Paid off all my debt, but now needed a new car! Got a great hybrid that was just 3 yrs old and with low mileage and because of my good credit score, was able to get nearly the same rate on the car on a 5 year loan. Then, a big surprise… my credit rating went up again! And now I needed a short-term bridge loan to help me finish remodeling my house after a fire and was able to get another personal loan to help with that! I’m still paying all my bills on time and my credit rate keeps rising as I have not used my credit cards to solve my short-term cash crunches! And each month I can see my personal debt going down! And my credit score keeps rising! I recommend Upgrade to everyone!

Kingwinpenguin

Rating: 1/5

The first time I added money to the app, there was an option to add money with a debit card and I was like oh cool being able to add money from a debit card to a bank account with no minimum amount requirement and no fees it’s going to be an exceptional tool. I did it once and then it disappeared so I called them and they told me it was only a one time feature, which shows that they have the technology to do it, but they choose to withhold it. Being able to add money from a debit card is an essential part of a banking technology for me. If I can only find one legitimate bank that has a branch that offers that feature, I will be extremely pleased. I am writing this a one star because when I use the feature, it didn’t mention it being a single used feature and I had to call to figure it out. I just think if it’s an available feature that works and they can use it. They should put it on there and leave it on there for everybody and until they do, I will not bank with them. It is so hard to move money in and out of things without either having to waste money in fees or having to wait multiple days on end and it’s just ridiculous when the technologies is there to be able to instantly add money with a debit card for free so why not offer it? Especially when you use it as a one time feature to bait people in it just seems predatory and wrong.

Martypants33

Rating: 2/5

I held a live chat with Stephanie on 9/13 through the app as I had added a new checking account for my auto pay but it wouldn’t let me select it as the default account and I’m in the process of closing the old account. She told me it was all set up with the new account and that my old account had been deactivated. She lied. On 9/17 I checked the app and it still looked like the payment was coming out of the old account. I live chatted again with Rachel who told me once you add a new account the old account is deactivated but since the payment had already started processing out of my old account this too was a lie. Finally I called and talked to a rep I did not catch his name and while he was nice and disabled my auto pay for me (so far the only rep to actually do anything). I was told that they would not reimburse me for any fees my old bank would charge me even though I would only be charged those fees because of their mistake. He double checked to see if he could get me reimbursement if I am charged NSF fees (hopefully I won’t because as soon as I found out about their screw up I started a transfer from my new account to my old account) and was told a firm no that they would not. This is egregious to admit they are the cause but then make no amends for their mistake is unbelievable to me. Customer service is dead.

About Upgrade - Mobile Banking

Get easy and rewarding mobile banking all in one place! Request cash advances and open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more.

Upgrade is a financial technology company, not a bank.

-Track Rewards – Earn cash back rewards on Upgrade Card purchases³
-Manage Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance.
-Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score.

Share feedback at [email protected]

Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/.

¹ Subject to eligibility. BoostCash™ amounts range from initial $25 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. 1-month free trial for select customers. Cancel anytime. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility.

² For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.42% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 09/19/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.

³ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details.
All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).

File size: 75410432

Launched countries: US

Minimum OS version: 15.1

Release Date: 1553485616000

Published by Upgrade, Inc.

Website url: https://www.upgrade.com/

Publisher country: Indonesia

App Profile: Upgrade - Mobile Banking

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