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Upgrade - Mobile Banking

Join over 1 million people mastering their money with cash advances, 10% APY savings, and real-time tools to boost your credit score.

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Key Figures

Downloads

1M+

User Rating

4.9/5

Total Ratings

77K+

Publisher

Upgrade, Incorporated

Master Your Money and Level Up Your Credit

Everything you need to build a better financial future: from high-yield savings and cash rewards to real-time credit monitoring and smart loan management.

Credit Health at Your Fingertips

Monitor your score with real-time updates and use our simulator to see how your actions impact your credit journey across all three bureaus.

Maximized Rewards & 10% APY

Stop leaving money on the table. Earn cash back on your daily purchases and grow your emergency fund faster with industry-leading interest rates.

FAQ

Frequently Asked Questions

Everything you need to know about Upgrade - Mobile Banking

What financial services does the Upgrade app offer?

The Upgrade app offers mobile banking services including personal loans, Upgrade Cards, rewards checking, premier savings, auto finance, home improvement, Boost Money cash advances, and Flex Pay buy now pay later options.

Is Upgrade a bank?

No, Upgrade is a financial technology company, not a bank. Its loans, personal credit lines, checking, and savings accounts are provided by Upgrade's bank partners.

How do I earn cash back with the Upgrade Card?

Users earn cash back rewards on Upgrade Card purchases. These rewards accrue when the purchases are paid back. Certain limitations apply to the Upgrade Cash Back Rewards Program.

Can I get a cash advance through the Upgrade app?

Yes, the Upgrade app offers BoostCash™ advances, which can range from an initial $25 up to $500 over time, subject to eligibility.

What is the maximum personal loan amount available through Upgrade?

Upgrade offers personal loans up to $50,000. Loan offers are subject to approval and come with options for faster payoff or lower monthly payments.

How does Boost Money™ help build credit?

The Boost Money™ Spend account helps build credit by reporting on-time payments to the three major credit bureaus: Transunion®, Experian®, and Equifax®.

What is the APY for Boost Money™ Save accounts?

With a Premium subscription ($9.99/mo), Boost Money™ Save accounts offer 10.00% APY up to $1,000, and 3.05% APY for balances over $1,000. Without Premium, the APY is 1.50% on all balances.

Does Upgrade offer a 'Buy Now, Pay Later' service?

Yes, Upgrade offers a 'Buy Now, Pay Later' service called Flex Pay. It allows users to pay for purchases monthly or in full, with various partners.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Upgrade - Mobile Banking - The Upgrade mobile banking app home screen displaying financial services like personal loans, savings, and auto finance under the slogan Level up your money game. — The Upgrade mobile banking app home screen displaying financial services like personal loans, savings, and auto finance under the slogan Level up your money game.

Upgrade - Mobile Banking - Upgrade app screen showing Flex Pay options for travel with major airlines and resorts — Upgrade app screen showing Flex Pay options for travel with major airlines and resorts

Upgrade - Mobile Banking - Upgrade mobile banking app interface showing personal loan offers with options for faster payoff or lower monthly payments. — Upgrade mobile banking app interface showing personal loan offers with options for faster payoff or lower monthly payments.

Upgrade - Mobile Banking - Upgrade app dashboard showing available credit and cash back rewards — Upgrade app dashboard showing available credit and cash back rewards

Upgrade - Mobile Banking - Smartphone screen showing a successful 500 dollar cash advance on the Upgrade mobile banking app. — Smartphone screen showing a successful 500 dollar cash advance on the Upgrade mobile banking app.

Upgrade - Mobile Banking - Marketing screen for Upgrade mobile banking app highlighting credit score monitoring, five hundred dollar cash advances, and ten percent APY savings features. — Marketing screen for Upgrade mobile banking app highlighting credit score monitoring, five hundred dollar cash advances, and ten percent APY savings features.

Description

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 $25 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. 1-month free trial for select customers. Cancel anytime. Learn more about eligibility and terms at http://www.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-).