Up Reviews 

I have been scammed on my card .the app does not allow you to block the payment ,online is impossible to log on as the website is covered in rubbish and not concise.Yes while it works no probs but when you do need help there is not much options to choose from especially if you are stuck.I will be moving across to wise card much better service and gives you the same exchange rate.The options on the app should be concise and to the point.

Need to open an account? Done in minutes. Setting up joint accounts? A breeze. Even when something as niche as your name being too long comes up, their solution isn’t “lol, tough luck.” They handle it quickly, over chat, and you move on with your life. BoQ, on the other hand, is notorious for dragging people through a gauntlet of inefficiency just to do basic shit like open an account or pay a bill. Never going back to these old school Boomer-run banks.

I am absolutely disgusted with the treatment I have recieved from UP banking.
I was scammed and had my account cleaned out and they basically said it was my fault and would not be retrieving my money.
How dare you blame me for not doing you job, bloody disgusting don't use this bank if you want protection from scammers, they don't care or protect thier bankers..

Totally yes. UP is solid. No complaints. Service on Sundays. If you’re looking for an alt to the Big 4, UP is srsly second to none. I’ve gone way out of my way to author this review. They didn’t ask me, I don’t know you, I’m writing this review on my Sunday night because they jumped on fraudulent charges on my card and communicated with me like a mate who has my back. I cannot fault these guys. 4 odd years and they’ve not put a foot wrong.

Disgustingly increasing interest rates outside of the RBA decisions despite such so much struggle in recent years. It seems that at a time when Australians have been squeezed to death by banks, that Up are taking a quick opportunity to squeeze a bit more from its customers which is quite frankly disgusting. It shows that the bank views its "customers' as merely cash cows, with no regard for their welfare. It is very disappointing and I will be looking to move my interests elsewhere.

Love this app, bank and service. Using it for 4 years now, never had any issue. Can make savers on the fly, turn off interest, generate pdfs statements on the go. I just wish they would allow more accounts person (so I went looking for another Neobank like Up and landed here). Thought I'd drop a positive review as they have a 2.4 score.

This bank is horrible they refuse to open disputes because they do simply do not agree with it and constantly block card purchases for any reason and the bank is getting worse and worse customer service and issues completely done with this bank now

I’ve been using UP Bank for about a month now and I can confidently say that UP Bank has truly aided in helping me save, as compared to the big 4 banks their app UI is far more intuitive. It is unfortunate that there’s no web app as of yet however the Developer API has helped to allow me to create some simple CPP programs to display important data.

Very uncommon for banks to provide something so useful these days.

I was scamed by someone using an Up account. I tried to contact Up but they have no service people outside 9 to 5 Monday to Friday

Terrible bank with terrible service, they F you over and smile about it.

I've used Up for years, and it is easily the best bank I've ever used. I have a substantial amount sitting in savings, and have never had any issues accessing it. The interest rates are high for savings, and the fees are non-existent. The ease of use is fantastic, and the additional features are brilliant. No other bank gives you a better understanding of where your money is going, and gives you the tools to analyse where you can cut back to save better. I don't understand the negative reviews about not being able to get in contact with support either. Every time I've had to contact them (which has been very few and far between), they have replied within the hour.

everything went wrong with up bank, they want to know everything about what you're doing with your money feels very much like Gorge orwells book 1984, yeah, if you can't tell them and say none of your business, they freeze your account, not kidding, isn't that against the law? mmmmm, do not bank with up bank, go Macquarie or something like that, Cheers!

UP allowed fraudulent activity on my account.
I provided them with proof that my card was stolen and have multiple fraudulent transactions yet they didn’t do a thing.
I have made a report to the financial authorities who have assured me they will have it resolved and they also said unfortunately UP is well known for not looking after their customers and they have multiple investigations happening

A Nightmare! Run from this.
If I could give this experience zero stars I would. I got this card to travel and use in the U.S. as it was supposedly cheaper on extra international bank fees. Used it for a couple of purchases within a week and then got ‘denied’ via an immediate transaction message when I ordered my takeaway meal. Asked them why online and got no answers and they shut down my entire funds in my account when I asked. I was then asked to send a pic of ‘me’ holding my drivers licence clearly, then told it was too dark and was then resent. My account was put back with still no explanation as to ‘why’ they declined my purchase. I ordered food again days later and declined again and received text from them that my account was now ‘closed’. I was left being told they would investigate in approx.”3 wks”. I had to call the Ombudsman’s office in Australia for help as i had no food money and they kept texting me saying they were not doing anything and I had to wait 3 wks or whenever they got to it. Their communication was so bad if you need help you will be gobsmacked at what they do (if my experience is anything to go by).
I would never again put anything other than a small amount on this as they shut down my account funds without any explanation as to why they denied my purchases. Still waiting…

one the best banks around the only thing is it’s really hard to find the bsb and account real fast. Please make this easily found Up ppl

I signed up, put in several thousand dollars (no small amount) as I was making an international purchase. I had to do ID verification - that's where this goes horribly wrong. I have waited 7 days and still don't have access to my money - apparently my profile is STILL sitting with the verification team 7 days on. I can't make a bank transfer back to the account it came from, nor can I spend it online.

Up talk-"up" their in-app messaging platform and that this is their primary method of communication. I would wait days with no response. So I called, with a lovely person on the other end of the phone who, despite their loveliness and apologies, can't help me, referring me back to the in-app messaging and saying they have escalated my request with the ID verification team. 48 hours later I have to call as I still have no reply, even after I sent an in-app message the next day. I am frustrated that I have so much money in the account that I can't access, and it's my money (I think they forget that).

I WILL not recommend UP at all, unless you want to be frustrated, lose your mind at feeling stuck and risk not having access to your money.

Its very used friendly and you can open literally 10 different savings accounts. They usually respond quickly in the chat box. Everything is flowers and butterflies until you get scammed.
I got scammed. One of my accounts was hacked into abs my credit card details were copied. 200$ were stolen from my account. I told the bank immediately. Three weeks after that they're still "investing" it. I messaged them after two weeks to hear about any updates and I got no response. So now they're basically avoiding me.

My husband got scammed via Commonwealth. He went to their office and they refunded him right away. I'll be changing banks very soon. Do t want to do business with unresponsive bank, no matter how cool it looks.

Edit: it took them 45 days to look into the dispute. But they did solve it and refunded me fully of what I was scammed.

Been waiting for a response for over 3 months - I've been locked out of my application ever since

No I do not want to use your in-app “talk to us” section. I want to speak to someone on the phone. Since you wasted my time going through all the options to try speak to someone, I have a personal vendetta against Up and will be writing 1 star reviews on all review sites. Provide the ability for your customers to speak to cust. Service operators.