Upgrade - Mobile Banking 4+

Rewards Checking, Loans, Cards

Upgrade, Inc.

    • 4.8 • 34.4K Ratings
    • Free

iPhone Screenshots


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 is issued by Cross River Bank, Member FDIC, pursuant to a license 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-).

What’s New

Version 1.16.2

Quick Actions are here to help you get to your favorite features faster— simply tap and hold the Upgrade app icon for instant shortcuts. You can now also tailor your app's look with custom icons to match your style, choosing from a variety of colors and themes.

Ratings and Reviews

4.8 out of 5
34.4K Ratings

34.4K Ratings

uturnwalksalot ,

Good app, mostly decent lender

This app is okay, I wish it allowed for changing auto pay information without calling in to speak to someone. Their lines of credit offer access through a credit card, with decent interest rates sourced from multiple lenders for different cards/lines of credit, but all payments are made through the Upgrade App. More a lender complaint than an app complaint, when I sold my car and leased a replacement it caused a 50 point credit score hit due to swapping a nearly paid off car with a 100% credit utilization car lease amount. Lesson learned, the utilization basically stays at 100% for the entire lease, which is never “paid off” like a loan. But Upgrade reacted to my credit score dive by immediately lowering my line of credit limits to match my available balances, and did this a few times over several months, repeatedly chain-reacting to their own snowballing of hits to my credit score, because then their lines of credit perpetually showed as 100% credit utilization, no matter how much I paid down the balance each month. My credit score hasn’t recovered, so I look forward to closing out these lines. :/

flnvaz ,

Was nice to work with

I used Upgrade from approximately 2017 to the end of 2021. Whenever I needed help I was typically able to get through to customer service, I appreciated that their customer service spoke very clear English without foreign accents. That is not intended to offend anybody, but some people struggle to clearly understand if accents are too thick. Anyways, during 2020 as a business owner we certainly felt the squeeze and Upgrade was there to offer us numerous options to reduce our payments to help us through tough times. Through all of it we were able to complete our loan with a 100% payment history as well as gain great credit benefits for the service we received. Ultimately, if you take a loan for the right reason and can make more money from it than the interest your paying your making a good decision, but life sometimes needs money for things that do not make any returns, but either way, if you run into trouble this lender may be able not work with you so it’s a good choice if you need a loan.

Martypants33 ,

Incompetent customer service

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.

App Privacy

The developer, Upgrade, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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