Bank app facts
Upgrade app
Upgrade - Mobile Banking on iPhone and Android. Store facts as of .
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What the Upgrade app is for and who it fits
Upgrade says it is a financial technology company, not a bank. Its checking and savings accounts, loans and cards are provided by Upgrade's bank partners, and Upgrade says deposits are insured up to $250,000 through Cross River Bank or participating institutions.
The Upgrade app holds Rewards Checking Preferred, a Performance Savings account, and Upgrade's personal loans and credit cards. You can deposit eligible checks with Mobile Deposit, move money instantly between Upgrade checking and savings, and add the debit card to Apple Pay or Google Wallet.
Upgrade says its Rewards Checking Preferred debit card earns up to 2% cash back on common everyday purchases when you have an Active Account with monthly direct deposit, up to a yearly cap. It fits people who want a checking account that ties rewards to a regular paycheck.
Written from these official pages, checked :
- upgrade.com/rewards-checking (opens in a new tab) (checked Oct 25, 2026)
- upgrade.com (opens in a new tab) (checked Oct 25, 2026)
- upgrade.com/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit (opens in a new tab) (checked Oct 25, 2026)
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
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
App facts
- 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
What the app looks like, screen by screen
Every image we have of the Upgrade app, grouped by task. 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 (2)
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 (1)
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 (5)
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
Transactions (1)
Google Play marketing imageActivity with an Amazon Purchase dated Apr 02, marked Pending, for $129.99.Google Play listing, as of
Getting started (1)
From Upgrade's websiteA Direct Deposit screen with an Automated Set Up option marked Recommended and setup instructions, partly covered by a green Upgrade debit card.upgrade.com, as of
Other screens (4)
Google Play marketing imageA Flexpay screen with travel brand logos and a Pay monthly option of $27.20 per month selected over a Pay in full option of $300.00.Google Play listing, as of 
Google Play marketing imageA loan offers screen saying Great news, here are your offers, for a $10,000 loan amount with a Faster Payoff option of $332.14 per month and a Lower Payment option of $263.34.Google Play listing, as of 
From Upgrade's websiteA Find an ATM screen with a ZIP code search for 94111, a Use My Location button and a map of San Francisco with ATM pins.upgrade.com, as of 
Google Play marketing imageTwo loan offers: Faster Payoff at $332.14 per month with a Select button and Lower Payment at $263.34 per month.Google Play listing, as of
Features its official sources state
Upgrade's website, help center or app store listing states these 7 app features, in the bank's own words.
- Stated in the bank's official sources
Mobile check deposit
“Mobile Deposit allows you to deposit eligible checks via the Upgrade mobile app”
As of · upgrade.com/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit
- Stated in the bank's official sources
Card lock and unlock
“you can lock it in the mobile app or from your account to keep anyone else from using it.”
- Stated in the bank's official sources
- Stated in the bank's official sources
Automatic saving
“Put your savings on autopilot by moving a portion of your paycheck directly into your Performance Savings account.”
- Stated in the bank's official sources
Face or fingerprint sign-in
“Sign on with Face ID and sign out automatically”
As of · upgrade.com/mobile-app
- Stated in the bank's official sources
Credit score in the app
“Track your credit score and get personalized recommendations to improve it”
As of · upgrade.com/mobile-app
- Stated in the bank's official sources
Apple Pay or Google Pay
“It’s also easy to add your debit card to Apple Pay® or Google Wallet™”
As of · upgrade.com/rewards-checking
✓ 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.
Privacy and accessibility 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.
App privacy
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
FAQ
Is Upgrade a bank?
No, Upgrade says it is a financial technology company, not a bank.
Who holds Upgrade checking accounts?
Upgrade says its checking accounts are provided by its bank partners and insured up to $250,000 through Cross River Bank.
What accounts can I manage in the Upgrade app?
Upgrade lists Rewards Checking Preferred, Performance Savings, personal loans and credit cards, and it says you can deposit eligible checks with Mobile Deposit in the Upgrade app.
Does the Upgrade app offer cash back on debit purchases?
Yes, Upgrade says the Rewards Checking Preferred debit card earns up to 2% cash back on common everyday expenses with an Active Account and monthly direct deposit, up to a yearly maximum.
Compare Upgrade with another app
Sources and dates
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?').
How we compare bank apps explains every source and what we don't do yet. See every bank app.
This is education, not financial advice.
