Upgrade - Mobile Banking
83
Quality Score
Excellent
Upgrade - Mobile Banking
High confidence
✍️ bumetric analysis
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Upgrade - Mobile Banking is an iOS app from Upgrade, Inc. in the Finance category, currently rated 4.9★ across 80,259 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 83: Excellent (strong product-market fit). For a Finance app, that means strong product-market fit. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
Loading…
Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
🤖Also on Android
$384/mo · 29K ratings · 4.5★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$105K
↳ What it cost to build · not monthly revenue
Likely range $80K – $140K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~4 months at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (87 MB) | +$14K |
| ⚙ Finance complexity ×1.60 | +$39K |
Total estimate
$105K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$600K
↳ What it would sell for · not monthly revenue
Marketplace range $425K – $700K · 20× MRR multiple
💸
~5.7× return on build cost
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
Final multiple
20× MRR
👥 Estimated audience size
4.8M
Lifetime downloads (US-equivalent)
Monthly active
1.3M
Daily active
520K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 51/100MID TIERunderperforming peersRevenue Strength
3.7
Product Quality
9.7
Market Position
0.3
Growth Velocity
5.0
Defensibility
5.3
Operational Safety
10.0
Founder Strength
5.5
Monetization Maturity
1.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.86★ across 80,259 reviews — exceptional (top 1% in category).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K. Portfolio play ($28K/mo combined) commands premium.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 12 of 12 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Mid install base (80,259 ratings)METRIC | +$5,500 | |
| subscriptionREVIEW | +$2,500 | |
| premiumREVIEW | +$2,200 | |
| Excellent rating (4.9★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| cancelledREVIEW | −$1,500 | |
| excellent appREVIEW | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 | |
| Established app (7y old)METRIC | +$800 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v1.32.1
We're constantly improving our app and working on the next exciting features!
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Upgrade - Mobile Banking
- Developer
- Upgrade, Inc.
- Bundle ID
- org.reactjs.native.example.upgrademobile
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 17+
- Languages
- EN, FR
Company
- Website
- www.upgrade.com
- Tagline
- Get up to $50,000 with a low, fixed rate personal loan
- Description
- Check your rate for a fixed-rate personal loan and borrow up to $50,000. Or get started with Upgrade Card in just minutes. Check out Rewards Checking with cash back rewards and more. We're here to help you build the future you want.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $28.3K/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
- Name
- Not found
- X / Twitter
- x.com/upgradecredit
- linkedin.com/company/17979297
- GitHub
- Not found
- X followers
- Not found
- Public statements
- Not found
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
- Socials
- facebook facebook.com/upgradeonfacebook · instagram instagram.com/upgrade_credit · linkedin linkedin.com/company/17979297 · twitter x.com/upgradecredit
- support@upgrade.com
- Phone
- +18443193909
- Contact page
- upgrade.com/help
- About page
- upgrade.com/about
✨AI Revenue EstimateCONFIDENCE: LOW
Publicly available sources provide annual revenue estimates for Upgrade, Inc. as a whole, ranging from $160 million to $680 million in recent years. However, no specific revenue data for the 'Upgrade - Mobile Banking' iOS app itself could be found from sources like Sensor Tower, Statista, Adapty, or founder claims. The app appears to be a platform for accessing various financial products offered by Upgrade, Inc., including a premium subscription for certain features, but its individual revenue contribution is not disclosed.
Sources mentioned: Growjo, Prospeo, PM Insights, Forbes, Sensor Tower, Statista, Adapty, Apple App Store
⭐Recent App Store Reviews49 latest · avg 2.67★ · 32.7% 5★ · 49.0% 1★
5★16 (33%)
4★3 (6%)
3★3 (6%)
2★3 (6%)
1★24 (49%)
+141 ratings/week
Praise: great ×3 love ×1 best ×1 recommend ×1Complaints: worst ×3 terrible ×2 refund ×1 broken ×1
Top positive
★★★★★ Using the app
This app is great I can make my regular payments as well as extra payments with no issues. All my information is listed and always up to date.…
★★★★★ Great transfer
Good job…
Top negative
★☆☆☆☆ This bank is nothing but a headache
I’ve had many problems with Upgrade since joining and their customer service is terrible. They refuse to credit any ATM fees, not even as a one time courtesy which every other bank ive worked with has always done. When I lost my debit card…
★☆☆☆☆ Can’t ever make a payment
Never loads…
📈Ratings growth80,259 ratings+19% lifetimeShow 3-year history estimate ▾
Tracked (49 weeks) Pre-tracking estimate (36 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
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.… View full description on the official store →
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.… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 87 MB🔞 17+📱 iOS 15.1+🔖 v1.32.1🔄 updated 0d ago🌐 EN, FR📂 Finance💰 Paid
📅
What Worked™ · Development Pipeline
9 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-04
⭐
Rating ↑ 4.02 → 4.86 (improved 0.84★)
2026-04
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
2024-09
📈
Crossed 100 ratings — social-proof flywheel kicking in
2024-09
📈
Crossed 50 ratings — social-proof flywheel kicking in
2024-08
⭐
Rating ↓ 4.71 → 4.25 (dropped 0.46★)
2024-08
📈
Crossed 10 ratings — social-proof flywheel kicking in
2024-08
🚀
First tracked snapshot — initial data captured
2024-08
⭐
Rating ↓ 5.00 → 4.50 (dropped 0.50★)
🔔
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Upgrade - Mobile Banking: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
More by Upgrade, Inc.
View all →📦 Portfolio summaryINDIE studio
2apps·$28K/mocombined
⚠ Concentrated — top app contributes 99% of combined revenue (single-app dependency)
About this analysis
Why high confidence: 80,259 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does Upgrade - Mobile Banking make per month?▴
Based on our ML-calibrated revenue forecast, Upgrade - Mobile Banking earns approximately $28K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
What apps are like Upgrade - Mobile Banking?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes Upgrade - Mobile Banking?▴
Upgrade - Mobile Banking is published by Upgrade, Inc. on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Upgrade - Mobile Banking's BU Score?▴
Upgrade - Mobile Banking has a BU Score of 83/100 (Excellent). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.