Bank app comparison
Bank of America vs Upgrade app
Store facts as of
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Bank of America
Banking app
Visit site for Bank of America (opens in a new tab)
Upgrade
Banking app
Visit site for Upgrade (opens in a new tab)
Short answer
On the App Store, Bank of America has a store rating of 4.8 out of 5 from 5,025,487 ratings, and Upgrade has a store rating of 4.8 out of 5 from 83,685 ratings, as of Nov 12, 2026. Bank of America last updated its iPhone app on Nov 5, 2026, and Upgrade on Oct 16, 2026. Of the 10 app features we look for in each bank's official sources (its website, help center or official app store listing), both state the same 7, side by side in the table below.
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
Bank of America
Google Play rating (Android)
4.6out of 5
1.2M reviews, as shown on Google Play. Updated on Oct 15, 2026.
As of · Google Play listing
Upgrade
Google Play rating (Android)
4.4out of 5
29.9K reviews, as shown on Google Play. Updated on Oct 15, 2026.
As of · Google Play listing
Updates and app facts
Bank of America last updated its iPhone app on Nov 5, 2026, 7 days before we checked, and Google Play shows its Android app updated on Oct 15, 2026. Upgrade last updated its iPhone app on Oct 16, 2026, 27 days before we checked, and Google Play shows its Android app updated on Oct 15, 2026.
Bank of America
- Last App Store update
- Version 26.11.0, released Nov 5, 2026
- App size
- 550.5 MB
- Requires
- iOS 17.0 or later
- Runs on
- iPhone, iPad, Apple Vision and Apple Watch
- Languages
- 2 (English and Spanish)
- Developer
- Bank of America
As of · App Store listing
Upgrade
- Last App Store update
- Version 1.35.1, released Oct 16, 2026
- App size
- 97.6 MB
- Requires
- iOS 15.1 or later
- Runs on
- iPhone and iPod touch
- Languages
- 2 (English and French)
- Developer
- Upgrade, Inc.
As of · App Store listing
Features each bank states
✓ means the bank's official sources (its website, help center or official app store listing) state it, with the quote and page shown. ✕ means those sources say the bank doesn't offer it. We never mark a feature ✕ just because a page doesn't mention it. Each mark links to the page it came from; the quotes are on each app's own page.
Send money to people
Bank of America
Upgrade
Mobile check deposit
Bank of America
Card lock and unlock
Bank of America
Screen by screen
Pick a task to see what each app shows for it. App Store, Google Play and bank website images are the bank's own marketing, so names and balances are sample data. Help center images come from the bank's support pages. See every bank app's screens.
Home and accounts
Bank of America
App Store marketing imageAn Accounts tab greeting Jane with a search bar, rewards links, a Banking section with an Adv Plus Banking balance of $4,012.33, and a Credit Cards section.App Store listing, as of 
From Bank of America's help centerAn Accounts tab with a search bar reading Hi, I'm Erica. How can I help?, net worth of $108,427.83, Banking at $34,602.49 and Credit cards, with a green circle on the Deposit Checks tab. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
App Store marketing imageA Banking card listing an Adv Plus Banking account with a $4,012.33 balance.App Store listing, as of 
App Store marketing imageA bottom tab bar with Accounts, Pay and Transfer, Deposit Checks and Invest tabs.App Store listing, as of
Upgrade
Google Play marketing imageAn Android Upgrade menu listing Personal Loans, Credit Cards, Rewards Checking Preferred, Premier Savings, Home Improvement, Auto Finance and Flexpay.Google Play listing, as of 
Google Play marketing imageThe Android Upgrade menu: Personal Loans, Credit Cards, Rewards Checking Preferred, Premier Savings, Home Improvement, Auto Finance and Flexpay, each with an icon.Google Play listing, as of
Transfer and send
Bank of America
App Store marketing imageA Zelle screen with Send, Request and Split buttons and links for Activity, Recipients and Settings.App Store listing, as of 
App Store marketing imageA Pay and Transfer screen with Transfer, Zelle, Pay Bills and Wire options above an Activity list with a credit card payment due and a scheduled Zelle payment.App Store listing, as of 
App Store marketing imageA Wire screen with a Start a Wire button and a list of exchange rates and fees for India, Great Britain, Mexico and Canada.App Store listing, as of 
From Bank of America's help centerA Pay and Transfer screen with Transfer, Zelle, Pay Bills and Wire options, a green circle on Zelle, and an Activity list with a scheduled payment and history. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
From Bank of America's help centerA Zelle screen titled Send or receive money with Zelle, a Stay alert: Imposter scams notice, Pay, Request and Scan buttons with a green circle on Pay, and a Pay again list. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
From Bank of America's help centerA Who would you like to pay? screen with a search field, a recent recipient and a green circle on Add new person or company. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
From Bank of America's help centerA Pay form with recipient Robin Brown, a From account, a $100.00 amount and a Make payment recurring toggle, with a green circle on Next. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
From Bank of America's help centerA Review payment details screen with recipient, from account, $100.00 amount, date and a happy birthday message, with a green circle on Next. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
From Bank of America's help centerA Success screen saying Your payment is scheduled, with recipient, from account, $100.00 amount, date, confirmation number and a Done button.info.bankofamerica.com, as of 
App Store marketing imageA Zelle panel with Send, Request and Split buttons.App Store listing, as of 
App Store marketing imageFour tiles for Transfer between my accounts, Zelle send or receive, Pay Bills and Wire.App Store listing, as of
Upgrade
App Store marketing imageA tilted Upgrade screen with a green check mark: "Success! $500 on the way", a Cash Advance of $500.00 to an account ending 3438, and Auto Repayment and Due Date rows.App Store listing, as of
Card controls
Bank of America
From Bank of America's websiteAn Erica chat where the user writes Lock my debit card and Erica explains that locking stops ATM withdrawals and most purchases, with a Lock my card button.info.bankofamerica.com, as of
Upgrade
Google Play marketing imageA OneCard Essentials screen showing $2,500.00 available credit and a $250.00 current balance, with a Rewards card showing $3.28 available and an Activity list.Google Play listing, as of 
App Store marketing imageAn Upgrade Card screen showing $2,500.00 available credit, a Rewards and Benefits card with a $3.28 available rewards balance and a Redeem button, and an Autopay row.App Store listing, as of Google Play marketing imageAn Android OneCard Essentials screen: $2,500.00 available credit, $250.00 current balance, an enlarged Rewards card with a $3.28 available rewards balance placed over the screen and an Activity list starting with a pending Amazon purchase of $129.99.Google Play listing, as of 
App Store marketing imageA green Upgrade Card tile showing $2,500.00 available credit.App Store listing, as of 
App Store marketing imageA Rewards and Benefits card showing a $3.28 available rewards balance with a Redeem button.App Store listing, as of
Settings and security
Bank of America
From Bank of America's help centerA security screen with a Scam alert banner, links to see how the bank protects you and to report suspicious activity, and a Manage your security preferences gauge reading High Security.info.bankofamerica.com, as of
Upgrade
No official screen found yet
Investments
Bank of America
App Store marketing imageA Merrill investment account screen showing a balance of $123,456.78, balance details and a historical value chart.App Store listing, as of 
App Store marketing imageA Balance Details list with cash balance, money accounts and priced investments.App Store listing, as of
Upgrade
No official screen found yet
Reports and insights
Bank of America
From Bank of America's websiteAn Erica card saying Here's what I found for recent grocery charges from Jan 1, 2026 to Jan 31, 2026 with three grocery store amounts.info.bankofamerica.com, as of
Upgrade
No official screen found yet
Transactions
Bank of America
App Store marketing imageAn Activity list with a credit card payment marked Action needed and a scheduled $5.00 Zelle payment.App Store listing, as of
Upgrade
Google Play marketing imageActivity with an Amazon Purchase dated Apr 02, marked Pending, for $129.99.Google Play listing, as of
Check deposit
Bank of America
App Store marketing imageA Deposit Checks screen with endorsement instructions, front and back of check photo boxes, a Deposit to account picker, an amount field and Cancel and Next buttons.App Store listing, as of 
From Bank of America's help centerA landscape camera view titled Front of Check with a check inside a dashed frame and a green check mark.info.bankofamerica.com, as of 
From Bank of America's help centerA deposit form with front and back check photos, a Deposit to account selector, an amount field highlighted by a green circle, and Cancel and Next buttons. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
From Bank of America's help centerA Confirmation screen saying Your deposit is processing, with deposit to account, total deposit of $100.00, credit pending date, confirmation number and a Make another deposit button.info.bankofamerica.com, as of 
From Bank of America's help centerA Deposit to picker listing Bank of America checking and savings accounts and a Merrill account, with a green circle on the checking account. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
From Bank of America's help centerA Confirm and Submit screen showing both check images, the deposit account, a $100.00 amount with an Edit button, and Cancel and Submit buttons with a green circle on Submit. The green circles are Bank of America's own tap-target markers from its help pages, not part of the app.info.bankofamerica.com, as of 
App Store marketing imageFront of check and Back of check photo boxes above Deposit to and Enter amount fields with Cancel and Next buttons.App Store listing, as of
Upgrade
No official screen found yet
AI assistant
Bank of America
App Store marketing imageAn Erica assistant screen saying Good Morning, Jane with insight cards for subscriptions, spend path and bill reminders, and a Type or ask me something bar.App Store listing, as of 
Google Play marketing imageAn Android version of the Erica screen saying Good Morning, Jane with insight cards and a Type or ask me something bar.Google Play listing, as of 
From Bank of America's help centerAn Erica chat where the user asks How can I deposit a check? and Erica explains how to snap the front and back of a check, with a Make a mobile check deposit button.info.bankofamerica.com, as of 
From Bank of America's websiteAn Erica chat about a Customized Cash Rewards Visa card offering options to order a replacement card, report a card lost or stolen, report a card not received, order a card, or chat live.info.bankofamerica.com, as of 
From Bank of America's websiteAn Erica chat where the user asks What is my routing number? and Erica shows routing numbers for electronic transfers and U.S. wire transfers with a Get my account number button.info.bankofamerica.com, as of 
App Store marketing imageAn Erica chat bubble that reads I have new insights to share with you.App Store listing, as of 
App Store marketing imageThree insight cards for subscriptions and recurring charges, spend path and bill reminders, each with a View button.App Store listing, as of
Upgrade
No official screen found yet
Privacy labels
Apple's privacy labels are what each developer reports to Apple. Apple says it does not verify them. We copy the category names exactly as the App Store lists them.
Bank of America
Data Used to Track You
Not listed on the App Store page.
Data Linked to You
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
- Location
- User Content
- Search History
As of · App Store listing
Upgrade
Data Used to Track You
- Identifiers
Data Linked to You
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
- Usage Data
- Diagnostics
As of · App Store listing
Accessibility labels
Bank of America
The App Store listing shows no accessibility labels for this app (checked Oct 25, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
FAQ
What are the App Store ratings for Bank of America and Upgrade?
Bank of America has a store rating of 4.8 out of 5 from 5,025,487 ratings. Upgrade has a store rating of 4.8 out of 5 from 83,685 ratings. These are App Store ratings from users, not a Priceless Tay score.
What are the Google Play ratings for Bank of America and Upgrade?
Bank of America shows 4.6 out of 5 (1.2M reviews) on Google Play, and Upgrade shows 4.4 out of 5 (29.9K reviews).
When were the Bank of America and Upgrade iPhone apps last updated?
Bank of America released version 26.11.0 on Nov 5, 2026. Upgrade released version 1.35.1 on Oct 16, 2026.
Which Apple devices do the Bank of America and Upgrade apps run on?
The App Store lists iPhone, iPad, Apple Vision and Apple Watch for Bank of America, and iPhone and iPod touch for Upgrade.
Which app features do both Bank of America and Upgrade state?
Both banks' official sources state mobile check deposit, card lock and unlock, account alerts, automatic saving, face or fingerprint sign-in, a credit score in the app, and Apple Pay or Google Pay.
Keep comparing
- See every fact on the Bank of America app page, with all four screenshots.
- See every fact on the Upgrade app page, with all four screenshots.
- Compare other bank apps, or read how we compare bank apps.
Sources and dates
Bank of America
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Nov 12, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 25, 2026.
- Features, from Bank of America's official sources: promotions.bankofamerica.com/digitalbanking/mobilebanking, promo.bankofamerica.com/digital_banking_demo/mobiledebitlock, bankofamerica.com/online-banking/mobile-and-online-banking-features, bankofamerica.com/deposits/keep-the-change, promotions.bankofamerica.com/digitalbanking/mobilebanking/erica, bankofamerica.com/online-banking/mobile-and-online-banking-features/touch-id, bankofamerica.com/online-banking/apple-pay-faqs.
Upgrade
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Nov 12, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 25, 2026.
- Features, from Upgrade's official sources: upgrade.com/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit, upgrade.com/help/deposit-checking-savings/rewards-checking/what-if-my-upgrade-visa-debit-card-is-lost-or-stolen, upgrade.com/rewards-checking, upgrade.com/rewards-checking-preferred, upgrade.com/mobile-app.
- Upgrade's help center says Rewards Checking Preferred customers use the Upgrade mobile app (help page 'Does Rewards Checking Preferred have a mobile app?').
This is education, not financial advice.
