AngelList Stack vs Up Bank.
AngelList Stack (A66/100) and Up Bank (U55/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. AngelList Stack leads Up Bank 3-2.
| A AngelList Stack №44 · FDIC 66 /100 | U Up Bank №60 · PRA 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 66 /100 | 55 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. PRA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded AU.FCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | 4.0 ★ 2k reviews |
| App store iOS + Android avg | — | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
Pick Up Bank if…
Australian neobank built on top of Bendigo and Adelaide Bank's APRA-regulated charter — direct FCS AUD 250,000 cover via the parent. Strongest Australian neobank UX for under-35 consumers; budgeting and pay-day forecasting are best-in-class. No FX markup makes it travel-friendly.
- Best for fees Tied
- Best for protection AngelList Stack won 2 of 2
- Best for reach Tied
- Best for ux Up Bank won 2 of 2
AngelList Stack vs Up Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is AngelList Stack better than Up Bank?
Under our v3 methodology, AngelList Stack leads Up Bank 3–2 across 12 dimensions. Composite scores: AngelList Stack 66/100 vs Up Bank 55/100. AngelList Stack is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is AngelList Stack or Up Bank cheaper?
Monthly fee — AngelList Stack: $0; Up Bank: €0. Card FX markup — AngelList Stack: Interbank; Up Bank: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, AngelList Stack or Up Bank?
AngelList Stack holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Up Bank holds a Payment inst. licence under PRA; deposit guarantee per depositor: Safeguarded. AngelList Stack is the stronger pick on regulatory protection.
Where can I use AngelList Stack and Up Bank?
AngelList Stack operates in 1 country; Up Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.