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New, unique, financially backed with great tech!
Love this, not like any other major banking app. In my mid thirties and find this instant set up, Savings and analytics on my spending fantastic. I get instant transfers with friends and my other account in a chat format which is so convenient. Would recommend to any age group. These guys have banking from Bendigo and Adelaide banks as well and Google tech, it hasn’t been designed by normal financial people. Great new player in the game!
Easy to use , fast communication
I've been with this bank over a year and I've found them very reliable with very efficient and helpful customer service. The app is so easy to use , with transactions the easiest to find out of any bank app. Also , very asthetically pleasing which makes banking not so bad...
No problems at all
After 12months with UP Bank I’ve had relatively no issues. The features are great and anything that was a concern when I first joined have now been updated. Like everything these days, my word of advice for the negative reviews here is don’t have all your eggs in one basket. Im about to move overseas and use UP predominantly, but I’ll have second money option just in case I get stuck.
Great new banking App
I have been with Up for one week now and it is looking very promising so far. Am hoping I can soon ditch my “top 4“ bank as it is stuck in the Stone Age. Unlike a recent reviewer who was very unhappy with service in China, I always travel with multiple transaction options.
The chat help line was very good for my queries. Everything is free, how do they plan to make money, I wonder?
- Verified customer
Non-existent customer service.
Recently I travelled overseas to China and got stuck amidst the coronavirus outbreak. I needed to urgently book flights back home, but was locked out of my card because it was requesting a OTP to my Australian phone which I didn't have.
I contacted customer service and the lack of empathy was disgusting. They said there was nothing they could do, and then proceeded to tell me I never informed them I went overseas which was an utter lie. I showed screenshot proof that I did and they said it was an "oversight". I ended up needing to get a loan overseas because they refused to help me in the most desperate time I needed it.
Never coming back.
- Verified customer
Terrible Customer Service and No Features
I joined Up about a month ago and liked the concept, however due to the fact that they don't offer joint accounts and that they exclusively pay through Osko (meaning I had scheduled payments declining every time, so I was having to go into the app and manually make the payment via bank transfer) I decided to close it and join a bank that offered better features with a similar high interest savings rate. I requested to close my account on the 16th of January 2020 - it's now the 24th of January 2020 and I keep getting "we will have someone contac...t you" or no response at all. Really unhappy with the customer service of this bank and wouldn't recommend it over a bank you can make a phone call to when you just want something done. Terrible effort on their part.
Excellent banking experience.
I've been with Up since about May 2019. The app is super efficient and easy to use and probably the most intuitive of most banks that I've used. Your bills and spendings are structured in an easy to view manner so you always know where your money is being spent and any upcoming bills that are due soon. You get handy reminders at the start of most weeks letting you know when your bills are due for the week and how much you spent the week prior compared to the week before that. I've had to contact customer service once or twice and they are professional, friendly, and quick to respond. They keep you in the loop with upcoming developments for the app and accounts. Very happy with the banking experience. Can't wait to do more with this bank.
Works well for our financial needs!
We have been with Up for 6 months. Up is the best digital bank I've used so far. Ive tried ubank which is nowhere near the features Up has. I've have tried almost all five of the major banks and everything is a hassle to like changing your address or simply sending a payment to a new person. But with Up is so much easier. We have moved all our banking to UP. From the notifications letting you know whats happening with your money everyday. And its easy to use app and easy to do everyday things too. Im just waiting for Up to do joint accounts wh...ich will be even better for us. We are making it work with sole accounts in the meantime. Communication is so easy too I have anxiety talking on the phone so the chat section works well. I don't know why people have to jump on product review to complain as soon as something goes wrong. Things happen it's a part of life and there's always going to be issues no matter which bank you are with. Try to look at the positives overall rather than giving negative review straight away and be patient.
Great online banking app
I love this bank because it has the best interest rate for savings, and I can separate my accounts into individual savings goals eg. Christmas, trip to Paris. It's very simple to use and transfer to/from and I've never had any issues. I've also referred some friends to them and we both received the $5 bonus!
Joined a month ago, I though that the app is fantastic. Full of features and easy to use. However after doing grocery shopping after work one day and on going to the register to pay I found that I couldn't use my card. I had funds available and it kept saying declined. It was very embarrasing. I contacted them via the app and all they would say is they referred my enquiry to another department. I could not access my money until 24 HOURS LATER after spending over an hour on the phone. It was amateur hour not to mention having no money for 24 hours. AVOID!!!
- Verified customer
The future of banking
Not a single complaint. The Up Roadmap on their website keeps you engaged with upcoming improvements. Customer service is super fast and friendly. The app is absolutely brilliant. It's made me love banking and managing my money, which I never thought would be possible.
Have been with UP since February. I love the tracking and with linking afterpay i can see when the repayments are due. I'm so thankful i opened this account and even convinced my sister to join and she uses it as her primary account. This bank is awesome.
Awesome Digital Bank!
Wasn't sure about the bank when I heard about it, but I thought I'd give it a shot. Ended up being super useful compared to my normal bank! It tracks every transaction you make, and even any changes to your account so you don't forget what has happened. Every time you buy something, it gives you a notification of where and how much was spent.
There is also a feature for your savings (comes with your account free; no need to sign up for two accounts) where you can "round up" to the next dollar up of your latest purchase and that amount gets sen...t automatically to your savings (eg. spend $10.75 and 25c gets sent to your savings). To transfer money from other bank accounts, you have the option to use PayID or enter Bank Details (BSB and Account No.). PayID is easy to set up, and transfers are pretty much instantaneous. Also when you receive your Debit MasterCard (which is also an awesome black and salmon colour), you have the option in your app settings to choose how you want to use the card. You can turn off the option to be able to make purchases online and in store, and choose whether you can make withdrawals from ATMs (free withdrawals from most major ATMs). If it helps as well, this is a collaboration between Bendigo Bank and Ferocia (software company), so it's developed by an established bank. Overall super happy so far, and is great for anyone wanting to go digital :)
Very User friendly
Met these guys at PAX.
At first I wasn't so sure about it.
But after a week I decided it couldn't hurt to check out.
Very happy I did, Swapped all my stuff over.
Tell us how much I have spent, Where I spent it.
Very good for a young guy saving for my first place.
Great bank for the modern age
Been with this bank for 3-4 months now and really glad I moved. The app is the real highlight here, with cutting edge features comparable to the comm bank app. Every update the app additional features are added and the developers are very open for suggestions.
- Verified customer
Best Bank & Banking Mobile App
Signed up on July 31st 2019.
So far I must say the experience has been excellent. The account sign up process was super easy, just had to install their mobile banking app from the Google Play store, enter some personal details, and within 5 mins I had a transaction account and a virtual master debit card added to my Google Pay wallet. Physical ATM card was posted out and received within 7 days, but this was not required to make in store purchases, as the Google Pay virtual card was usable instantly after sign up. How convenient!
What really...makes Up Bank superior to other banks is their Mobile banking app. The amount of convenient functionality and features is highly useful and welcome. One of them being Push Notifications for all transactions. This can be disabled if you don't like this function, although when you get paid or when a bill has been debited, you are notified. Great for those who like to keep track of their expenses, where this ties in to their superior insights tracking...think of Pocketbooks. Merchant ID identification is also another welcome feature, which visually makes your account activity visually pleasing to look at with all the company icons displayed next to each transaction. Bill tracking and knowing when you next bills are due and how much is another feature I would have to use in a separate app to track my monthly bill expenses. Now I don't need to since its builtin with Up. There are many more useful features which I could write about. Up has been everything I've been looking for in a Bank in this digital age, where I have completely made it my sole primary bank account, closing off my other bank accounts, one with Suncorp and the other with Westpac.
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Questions & Answers
I went to go into my Up app today and it wont let me. Screen comes up with this device is no longer registered.. So now i tried to registered and nothing works, I have contacted Up via email but have no help so far. Makes it hard to pay bills when I can't access my account... Not happy atm... Hopefully they fix this issue quickly.
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