Upgrade - Mobile Banking
Free
1.32.1for iPhone
Age Rating
Upgrade - Mobile Banking Screenshots
About Upgrade - Mobile Banking
Get easy and rewarding mobile banking all in one place! Request cash advances and open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more.
Upgrade is a financial technology company, not a bank.
• Track Rewards – Earn cash back rewards on Upgrade Card purchases⁴
• Manage Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance.
• Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score.
Share feedback at mobile_app_feedback@upgrade.com
Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/.
¹ Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at upgrade.com/boost-money/eligibility.
² Add funds to your Boost Money™ Spend account, and spend up to the available balance with Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.
³ For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.
⁴ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details.
All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).
Upgrade is a financial technology company, not a bank.
• Track Rewards – Earn cash back rewards on Upgrade Card purchases⁴
• Manage Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance.
• Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score.
Share feedback at mobile_app_feedback@upgrade.com
Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/.
¹ Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at upgrade.com/boost-money/eligibility.
² Add funds to your Boost Money™ Spend account, and spend up to the available balance with Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.
³ For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.
⁴ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details.
All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).
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What's New in the Latest Version 1.32.1
Last updated on May 18, 2026
Old Versions
We're constantly improving our app and working on the next exciting features!
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Version History
1.32.1
May 18, 2026
We're constantly improving our app and working on the next exciting features!
Upgrade - Mobile Banking FAQ
Upgrade - Mobile Banking is available in regions other than the following restricted countries:
Luxembourg,Nicaragua,Oman,Qatar,Sierra Leone,Antigua And Barbuda,Chile,Iraq,Tunisia,Kuwait,Lithuania,Uganda,Turkmenistan,Austria,Estonia,Thailand,Kenya,Madagascar,Bosnia & Herzegovina,Botswana,Grenada,Croatia,Sweden,St. Vincent & The Grenadines,Vietnam,Congo,Cyprus,Guyana,Singapore,Slovakia,Niger,Tajikistan,Vanuatu,Congo, Democratic Republic,Colombia,Hungary,Solomon Islands,Israel,Liberia,Mali,Hong Kong,Macedonia,Poland,Suriname,Belize,Cote Divoire,Costa Rica,Denmark,Georgia,El Salvador,Uruguay,Zambia,Brunei Darussalam,China,Czech Republic,Maldives,Argentina,Brazil,Greece,Dominica,Spain,Latvia,Montserrat,Seychelles,Australia,Benin,Germany,Uzbekistan,Chad,Albania,Sri Lanka,Mexico,Pakistan,British Virgin Islands,South Africa,Belarus,Kazakhstan,Mongolia,Ireland,Morocco,Burkina Faso,Indonesia,Tonga,Russia,Slovenia,Angola,Cameroon,Guinea-bissau,Anguilla,Nepal,South Korea,St. Lucia,Mauritius,Philippines,Saudi Arabia,Ecuador,Honduras,Kyrgyzstan,Venezuela,Yemen,New Zealand,Zimbabwe,Bhutan,Dominican Republic,Finland,Armenia,Gambia,Palau,Taiwan,Tanzania,Kosovo,Jamaica,St. Kitts and Nevis,Nigeria,Romania,Senegal,Turks and Caicos,Turkey,Azerbaijan,Bermuda,Malta,Iceland,Panama,Papua New Guinea,United Arab Emirates,Bahamas,United Kingdom,Cayman Islands,Montenegro,Mozambique,Netherlands,Portugal,Belgium,Canada,Fiji,Sao Tome & Principe,Egypt,Libya,Moldova,Cape Verde,Lao Peoples Democratic Republic,Lebanon,Mauritania,Rwanda,Afghanistan,Barbados,Bahrain,Norway,Swaziland,Ghana,Italy,Japan,Nauru,Peru,Paraguay,Trinidad and Tobago,Ukraine,Bulgaria,Bolivia,Cambodia,Jordan,Myanmar,Macao,Malawi,Micronesia,Gabon,India,Guatemala,Malaysia,Namibia,Serbia,Switzerland,Algeria,France
Check the following list to see the minimum requirements of Upgrade - Mobile Banking.
iPhone
Click here to learn how to download Upgrade - Mobile Banking in restricted country or region.
