83
good
Upgrade - Mobile Banking | unitQ Score
The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
100 = No Issues. 50 = Some Issues. 0 = All Issues
2 Points Past 7 Days
Category: Finance
30-Day Trend
Android unitQ Score
Android User Feedback
48%
Android
58 Reports
58 Reports
iOS unitQ Score
iOS User Feedback
52%
iOS
63 Reports
63 Reports
User Feedback
52%
iOS
63 Reports
63 Reports
48%
Android
58 Reports
58 Reports
Upgrade - Mobile Banking - Latest Quality Issues
iOS
Apr 30, 2024
No Beneficiary
3/5 because Upgrade does not have an option for a beneficiary to be added to your account. If they can make that change it would be 5/5. App is easy and interest rate has kept climbing.
Android
May 2, 2024
They will drop your limit if your credit score goes down which is horrible because they will keep dropping it I wen from a 10k limit to less then half for doing nothing wrong with them
Android
May 3, 2024
There's no way to take a picture of a check into the bank account through the app so it's worthless to me
iOS
May 3, 2024
New interface is not ideal
In the new updated interface the cash back amount is not readily displayed which it previously was. I preferred the old way. I also would love the transactions to show the available amount in the account
iOS
May 4, 2024
Meeting my needs
Easy to use, payment structure is complicated, but hopefully I can get it right, not sure how to get it to pay off the oldest charge first, it separates the payment into little bits for each charge I made. 🤷♀️
iOS
May 7, 2024
Predatory.
This app and the card account attached to it are absolute rubbish. I have never missed a payment yet they have changed terms on me, to the negative consistently throughout my tenure with this account. Today I found myself with some windfall money and made a large payment towards my outstanding balance - my reward was that my credit line was reduced (for at least the third time despite, again, never once having been late with payment or having committed any other meaningful misdeed). The APR on the account is ghastly, the terms completely fluid and unpredictable. Your life has more joy in it without a relationship with this company.
Android
May 8, 2024
Not impressed. They limit the things you can do on their apps such as making an extra payment you have to call to do that you can't update payment methods, and you can't even change your phone number with them by calling they need you to send pictures of you holding your ID with a request for the change of the phone number. they make sure they report my balance every month to the credit bureaus, but every time I've paid it off and have a zero balance they never update it. Bad for consumers
iOS
May 8, 2024
Wish The had Better Features, but Ok Overall
So, my other bank app, when you view the transaction history, will show you under each transaction how much money was in the account when the payment came out or deposit came, like right under the amount that was added/removed. Upgrade does not do that. I swear my account is short, but I have no way of proving that without having to go all the way back to when I opened the account and doing a blow by blow review of every transaction. Is not my primary account so I don't monitor it like the other one, so adding this feature would give me some peace of mind. Otherwise, I've borrowed from them twice before and that is going well. They were efficient, and as long as you pay on time, they don't give you any problems.
iOS
May 8, 2024
App missing key features
Would love to add manually businesses to pay bills via bill pay. I prefer using bill pay rather than setting up auto pay on company website.
Upgrade - Mobile Banking - Product Description
Check your balance, available credit, pay bills and track your rewards. Features include: No monthly-fee mobile banking – Check your balance, pay bills, manage funds. Track your debit rewards – Track your rewards, up to 2% cash back on purchases¹. Manage your Upgrade card or loan – Manage your payments and check your outstanding balance. Manage your credit score - Check your credit score, get notified of any change in your credit report, track potential ID theft, use our credit score simulator to see how different actions may impact your score using real data from your credit report. Share your feedback at mobile_app_feedback@upgrade.com ¹ Rewards Checking Plus customers who set-up monthly direct deposits (https://www.upgrade.com/deposits/active-account/) of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. ² Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date. Personal Loans and Auto Refinance Loans made by Upgrade's bank partners (https://www.upgrade.com/bank-partners/). Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender. Personal Credit Lines are made by Cross River Bank, Member FDIC. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (https://upgrade.zendesk.com/hc/en-us/articles/4404416360731-Overview-State-Licenses-and-Consumer-Information) and does business under the following DBAs (https://www.upgrade.com/dba). Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).
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