Cash App vs Up Bank.
Cash App (C70/100) 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. Cash App leads Up Bank 6-1.
| C Cash App №31 · FDIC 70 /100 | U Up Bank №60 · PRA 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 55 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €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 | 2 countries | 1 country |
| Crypto Coins available | 1 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | 4.0 ★ 2k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
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 Cash App won 2 of 2
- Best for reach Cash App won 3 of 3
- Best for ux Up Bank won 1 of 2
Cash App vs Up Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than Up Bank?
Under our v3 methodology, Cash App leads Up Bank 6–1 across 12 dimensions. Composite scores: Cash App 70/100 vs Up Bank 55/100. Cash App is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cash App or Up Bank cheaper?
Monthly fee — Cash App: €0; Up Bank: €0. Card FX markup — Cash App: 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, Cash App or Up Bank?
Cash App 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. Cash App is the stronger pick on regulatory protection.
Where can I use Cash App and Up Bank?
Cash App operates in 2 countries; 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.