Bank app comparison
Betterment vs Upgrade app
Store facts as of
Short answer
On the App Store, Betterment has a store rating of 4.8 out of 5 from 66,106 ratings, and Upgrade has a store rating of 4.9 out of 5 from 83,655 ratings, as of Oct 24, 2026. Betterment last updated its iPhone app on Oct 20, 2026, and Upgrade on Oct 16, 2026. Of the 10 app features we look for on each bank's own website, we found 1 stated by Betterment and 3 by Upgrade.
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
Betterment
Google Play rating (Android)
4.6out of 5
19.6K reviews, as shown on Google Play. Updated on Oct 19, 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
Betterment last updated its iPhone app on Oct 20, 2026, 4 days before we checked, and Google Play shows its Android app updated on Oct 19, 2026. Upgrade last updated its iPhone app on Oct 16, 2026, 8 days before we checked, and Google Play shows its Android app updated on Oct 15, 2026.
Betterment
- Last App Store update
- Version 9.61.0, released Oct 20, 2026
- App size
- 150 MB
- Requires
- iOS 16.0 or later
- Runs on
- iPhone
- Languages
- 3 (English and 2 more)
- Developer
- Betterment
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
| Feature | Betterment | Upgrade |
|---|---|---|
| Mobile check deposit | Not found on the bank's site yet | Stated on the bank's siteSource: upgrade.com/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit |
| Card lock and unlock | Not found on the bank's site yet | Not found on the bank's site yet |
| Send money to people | Not found on the bank's site yet | Not found on the bank's site yet |
| Account alerts | Not found on the bank's site yet | Stated on the bank's siteSource: upgrade.com/rewards-checking |
| Budgeting or spending insights | Not found on the bank's site yet | Not found on the bank's site yet |
| Automatic saving | Stated on the bank's siteSource: betterment.com/cash-reserve | Not found on the bank's site yet |
| Virtual assistant | Not found on the bank's site yet | Not found on the bank's site yet |
| Face or fingerprint sign-in | Not found on the bank's site yet | Not found on the bank's site yet |
| Credit score in the app | Not found on the bank's site yet | Not found on the bank's site yet |
| Apple Pay or Google Pay | Not found on the bank's site yet | Stated on the bank's siteSource: upgrade.com/rewards-checking |
| Stated on the bank's site | 1 of 10 | 3 of 10 |
✓ means the bank's own website states it, with the quote and page shown. ? means we did not find it stated on the bank's site, not that the app lacks it. We never mark a feature as missing unless the bank says so. Each ✓ links to the page it came from; the quotes are on each app's own page.
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
Betterment
App Store marketing imageA Good morning, Alex home screen with total net worth and Betterment balance, and an Accounts list with Cash Reserve, Automated Investing, Self-directed investing and Retirement.App Store listing, as of 
App Store marketing imageA Cash Reserve screen showing a $17,032.38 balance, current APY, FDIC insurance and total interest paid, Deposit and Transfer buttons, and recent activity.App Store listing, as of 
App Store marketing imageAn Accounts list with Cash Reserve at $8,000.00, Automated investing at $40,368.66, Self-directed investing at $5,627.20 and Retirement at $75,915.12.App Store listing, as of 
App Store marketing imageA card showing current APY of 4.25% boosted, FDIC insurance up to $4M and $195.16 total interest paid.App Store listing, as of 
From Betterment's websiteA Checking card showing a $3,048.38 available balance and $36.00 in ATM fees reimbursed, with a No fees label.betterment.com, 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
Card controls
Betterment
From Betterment's websiteA Manage account panel with a Card lock toggle switched off and a Change debit card PIN row.betterment.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 
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
Investments
Betterment
App Store marketing imageA Self-directed investing screen showing a $30,000.00 balance with a performance chart and a Holdings list with Amazon and Netflix.App Store listing, as of 
App Store marketing imageA Portfolio options screen asking Choose a portfolio to invest in, listing options such as Betterment Core, Goldman Sachs Smart Beta, Innovative Technology and Climate Impact.App Store listing, as of 
App Store marketing imageAn Automated investing screen listing account benefits including tax losses harvested of $1,742.55 and dividends earned, with an Automate your savings section.App Store listing, as of 
App Store marketing imageA Performance screen showing a $162,387.10 balance with a growth chart, time range buttons and an Accounts list.App Store listing, as of 
App Store marketing imageA Holdings card with Amazon at $4,206.74 and Netflix at $3,597.55 and an Add asset link.App Store listing, as of 
App Store marketing imageA callout showing $1,742.55 in tax losses harvested.App Store listing, as of 
App Store marketing imageA balance and invested line chart from 2011 to today with time range buttons.App Store listing, as of 
From Betterment's websiteAn Automated investing card with a $50,460.82 balance, a 90% stocks ring, a growth chart and time range buttons.betterment.com, as of 
From Betterment's websiteA Self-directed investing header above tiles for AAPL, GOOG, SPY, MSFT, AMZN and NVDA.betterment.com, as of 
From Betterment's websiteA Tax-coordinated portfolio row above Traditional 401(k) at $91,281.24 and Roth IRA at $24,109.32.betterment.com, as of
Upgrade
No official screen found yet
Sharing with a partner
Betterment
From Betterment's websiteA row reading Add someone to account with an arrow.betterment.com, 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.
Betterment
Data Used to Track You
- Contact Info
- Identifiers
- Usage Data
Data Linked to You
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
Not listed on the App Store page.
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
Betterment
The App Store listing shows no accessibility labels for this app (checked Oct 24, 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 Betterment and Upgrade?
Betterment has a store rating of 4.8 out of 5 from 66,106 ratings. Upgrade has a store rating of 4.9 out of 5 from 83,655 ratings. These are App Store ratings from users, not a Priceless Tay score.
What are the Google Play ratings for Betterment and Upgrade?
Betterment shows 4.6 out of 5 (19.6K reviews) on Google Play, and Upgrade shows 4.4 out of 5 (29.9K reviews).
When were the Betterment and Upgrade iPhone apps last updated?
Betterment released version 9.61.0 on Oct 20, 2026. Upgrade released version 1.35.1 on Oct 16, 2026.
Which Apple devices do the Betterment and Upgrade apps run on?
The App Store lists iPhone for Betterment, and iPhone and iPod touch for Upgrade.
Which app features does Betterment state that we did not find for Upgrade?
Betterment's own website states automatic saving. We did not find that stated on Upgrade's website, which does not mean the Upgrade app lacks it.
Which app features does Upgrade state that we did not find for Betterment?
Upgrade's own website states mobile check deposit, account alerts and apple pay or google pay. We did not find those stated on Betterment's website, which does not mean the Betterment app lacks them.
Keep comparing
- See every fact on the Betterment 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
Betterment
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Oct 24, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 24, 2026.
- Features, from Betterment's own website: betterment.com/cash-reserve.
- Betterment's app covers Cash Reserve and investing. Features are read from betterment.com/cash-reserve.
Upgrade
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Oct 24, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 24, 2026.
- Features, from Upgrade's own website: upgrade.com/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit, upgrade.com/rewards-checking.
- 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.
