froze my accounts won't get back to me, worst service in any financial service. Avoid at all costs.. no way to call they only have answering machine. The chat service is just faceless people with no care for the job

Use bank for 3 months. Bank is not reliable is you jailbreak. Customer service just told me to restart my phone and that did nothing. Time to change banks again

I have heard great things about up bank from others who have it. I was in the market to open up with a new bank and my friend suggested up bank. Did some research and yes this sounds like every thing a millennial would want in a bank app. Tried to sign up twice as the second attempt was due to no response from them so I gave it another go. Now I emailed them 2x or so maybe 3. They got back to me today and guess what? Honestly I always thought businesses strive to get new clients and well most people should have some common knowledge to problem solve to get a client with up bank they let you go the email pretty much said bbbbyyyeee can't help you there so see ya later. Very disappointed with this but hey my money is good elsewhere I guess

The app is good.
If there were to be more frequent media & blog communication, would be great!
Been with the bank for more than 4 months.
The bank has been reliable in terms of service.
The customer service was good in terms of responsiveness so far.

They have a lot of features that not many other banks do, and it is very simple and easy to use. Customer service has always been quick through the app, and issues resolved quickly. The only downside is there don't offer a few services that would be very helpful, such as joint accounts, locked savings accounts, credit cards, etc.

Fast and very simple set up.

The customer service was fast and excellent. Any questions that I had were always answered within a business day.

Very impressed and loving this bank/service/set up.

Love this, not like any other major banking app. In my mid thirties and find this instant set up, Savings and analytics on my spending fantastic. I get instant transfers with friends and my other account in a chat format which is so convenient. Would recommend to any age group. These guys have banking from Bendigo and Adelaide banks as well and Google tech, it hasn’t been designed by normal financial people. Great new player in the game!

I've been with this bank over a year and I've found them very reliable with very efficient and helpful customer service. The app is so easy to use, with transactions the easiest to find out of any bank app. Also, very asthetically pleasing which makes banking not so bad...

After 12months with UP Bank I’ve had relatively no issues. The features are great and anything that was a concern when I first joined have now been updated. Like everything these days, my word of advice for the negative reviews here is don’t have all your eggs in one basket. Im about to move overseas and use UP predominantly, but I’ll have second money option just in case I get stuck.

I have been with Up for one week now and it is looking very promising so far. Am hoping I can soon ditch my “top 4“ bank as it is stuck in the Stone Age. Unlike a recent reviewer who was very unhappy with service in China, I always travel with multiple transaction options.
The chat help line was very good for my queries. Everything is free, how do they plan to make money, I wonder?

Recently I travelled overseas to China and got stuck amidst the coronavirus outbreak. I needed to urgently book flights back home, but was locked out of my card because it was requesting a OTP to my Australian phone which I didn't have.

I contacted customer service and the lack of empathy was disgusting. They said there was nothing they could do, and then proceeded to tell me I never informed them I went overseas which was an utter lie. I showed screenshot proof that I did and they said it was an "oversight". I ended up needing to get a loan overseas because they refused to help me in the most desperate time I needed it.

Never coming back.

enjoying the app & banking with you guys loved that the card came into a recyclable envelope My only critique is the stickers are just going to end up in landfill

This bank has been nothing short of great from solving issues quickly, having an easy to use interface and being innovative. Cannot fault them or recommend them anymore! I have been with them for approx 6 months.

I've been with Up since about May 2022. The app is super efficient and easy to use and probably the most intuitive of most banks that I've used. Your bills and spendings are structured in an easy to view manner so you always know where your money is being spent and any upcoming bills that are due soon. You get handy reminders at the start of most weeks letting you know when your bills are due for the week and how much you spent the week prior compared to the week before that. I've had to contact customer service once or twice and they are professional, friendly, and quick to respond. They keep you in the loop with upcoming developments for the app and accounts. Very happy with the banking experience. Can't wait to do more with this bank.

Really bad customer service. Been trying to open a bank account for a few days and getting no support to do it at all as I don't have an Australian passport (but still a resident). Goes to 86400 instead, definitely.

I love this bank because it has the best interest rate for savings, and I can separate my accounts into individual savings goals eg. Christmas, trip to Paris. It's very simple to use and transfer to/from and I've never had any issues. I've also referred some friends to them and we both received the $5 bonus!

Joined a month ago, I though that the app is fantastic. Full of features and easy to use. However after doing grocery shopping after work one day and on going to the register to pay I found that I couldn't use my card. I had funds available and it kept saying declined. It was very embarrasing. I contacted them via the app and all they would say is they referred my enquiry to another department. I could not access my money until 24 HOURS LATER after spending over an hour on the phone. It was amateur hour not to mention having no money for 24 hours. AVOID!!!

Not a single complaint. The Up Roadmap on their website keeps you engaged with upcoming improvements. Customer service is super fast and friendly. The app is absolutely brilliant. It's made me love banking and managing my money, which I never thought would be possible.