Reviewer Photos & Videos
- 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!
- 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.
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.
- 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.
Up Bank is perfect for anyone who doesn't carry cash and pays everything by card. The app is very well built. Instant PayID payments seems to be better integrated than with other banks. Love the notifications and the message interaction with customer support.
The upcoming payments reminders is the best I have seen, and with the Afterpay integration you know exactly how much is coming out of your account on which day.
I use Up as my only bank and would highly recommend.
Things to be aware of before you jump:
- There is no branch and no cas...h deposit possible at the post office - Loan applications with some providers require online banking logging to check your details, Up bank is not recognised yet by these service - There is currently no online banking on desktop, it is planned but not yet available. You must use your phone.
A bank created by software gurus, not bankers
I've used Up Bank for over 8 months now, and it just keeps getting better.
I've had next to no issues with reliability, easily able to transfer money in and out instantly using Payid. I've kept my Commbank account for getting my pay and sending out BPays and direct debits.
I use Up for everyday spending with their nifty debit card, usually through my Apple Watch/ iPhone. I also do all my transfers to friends from Up with their very nifty whatsapp-like pay anyone feature.
I really like the insights it gives you about the where/when/how much ...of what you spend. For example, it tells me I've made 100 transactions with Uber since December, averaging $12 each. The round-ups and ability to make as many high interest saving accounts as you want is also a cool feature. When I've had issues/bugs I've raised it in the app in the support chat feature and staff seemed responsive.
Up bank review
I been using Up bank since start of February 2019 its been great so far you can use Afterpay with it and Do bank Transfers as well its new way of online banking without the Hassle of my parents knowing I have been using it for a bit now and I can use up card to pay off zip pay debt I owed in may 2019 and to use it on Tab site to I like it and it works with Apple Pay its good but very good Up now Supports BPay and Split payments and bank at Post where I can deposit cash into my account
Since COVID-19 I can deposit money to use towards online Grocery shopping
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.
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.