Found vs Up Bank.
Found (F69/100) 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. A close tie.
| F Found №39 · FDIC 69 /100 | U Up Bank №60 · PRA 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 55 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 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 | 4.7 ★ iOS 4.8 · And 4.6 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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 Up Bank won 1 of 4
- Best for protection Found won 2 of 2
- Best for reach Tied
- Best for ux Up Bank won 2 of 2
Found vs Up Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Up Bank?
Found and Up Bank are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Found 69/100 vs Up Bank 55/100. The right pick depends on which dimension you weight most heavily.
Is Found or Up Bank cheaper?
Monthly fee — Found: €0; Up Bank: €0. Card FX markup — Found: 1.00%; Up Bank: Interbank. Up Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Found or Up Bank?
Found 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. Found is the stronger pick on regulatory protection.
Where can I use Found and Up Bank?
Found 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.