4.6
18.4K reviews
500K+
Downloads
Content rating
Everyone
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About this app

Check your balance, available credit, pay bills and track your rewards.
Features include:
ā€¢ No Monthly-fee Mobile Banking ā€“ Check your balance, pay bills, manage funds.
ā€¢ Track Your Debit Rewards ā€“ Track your rewards, up to 2% cash back on purchases (1).
ā€¢ Manage your Upgrade Card or Loan (3). ā€“ Manage your payments and check your outstanding balance.
ā€¢ Manage your credit score - Check your credit score and get notified of any change in your credit report or track potential ID theft.

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 VISAĀ® 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.

3: Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

Personal Loans and Auto Refinance Loans are 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 VISAĀ® 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-).
Updated on
Feb 20, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 3 others
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
Data canā€™t be deleted

Ratings and reviews

4.6
17.7K reviews
Christopher Burkett
March 5, 2024
I have been an Upgrade customer, for only several weeks now. However I am finding their app, a great financial tool in many ways. From current credit, and checking account balances, to credit scores, everything is at your fingertips. The app is easy to navigate, and understand. Appears to be a great company, with excellent customer service, by phone as well. Highly recommended
52 people found this review helpful
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Christopher Fry
March 13, 2024
Slight app issues, but otherwise no complaints with the company. The issue I have is that randomly, even if I was already logged into the app, it will force me into a CAPTCHA to get in. I understand the safety measure, but maybe every other day or when it detects something fishy, not 5 minutes later when I simply minimize the app to do something else then come back to it. It's a hassle when I'm trying the actively make a transfer or something...
11 people found this review helpful
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BOO Edmonds
December 12, 2023
The app is good, but the credit company is horrible. They can and will take away your credit even if you're paying on time and not using the credit. If you're trying to rebuild your credit and you're lowering your balance with them and increasing your credit available, they will take it and only give your new balance as a new credit limit. It's horrible. When they lower your available credit, that drops your score. I can't wait to pay them off. I should have listened to other borrowers.
288 people found this review helpful
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What's new

App Shortcuts are here to help you get to your favorite features fasterā€” simply tap and hold the Upgrade app icon for instant shortcuts.