Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

UBA Mobile Banking vs Union Bank & Trust Mobile

UBA Mobile Banking 4.0★ · Free to download 40
Winner Union Bank & Trust Mobile
Union Bank & Trust Mobile 4.9★ · Free to download 75

Union Bank & Trust Mobile (App B) is the clear winner due to its significantly higher lifetime rating and more consistent positive feedback regarding ease of use and reliability, despite some recent update issues.

Full reviews: UBA Mobile Banking · Union Bank & Trust Mobile

Union Bank & Trust Mobile (App B) generally offers a more reliable and user-friendly experience with high satisfaction for checking balances and basic transactions. UBA Mobile Banking (App A) struggles with frequent login issues, app not opening, and inconsistent functionality, leading to significant user frustration.

Head to head

Features tieR5R10R11R14
UBA Mobile Banking Users appreciate features like seamless transfers and double-check confirmation for security R5R14. However, some users report issues with sending money to other banks and express a desire for loan options within the app R10R11.
Union Bank & Trust Mobile App B is praised for allowing users to view funds and manage accounts easily . However, users report significant problems with the Zelle function not populating or crashing R64R73R98, and some wish for budgeting tools . Bill payment can be problematic, especially with many payees .
Ease of Use edge: Union Bank & Trust MobileR3R5R6R15
UBA Mobile Banking Some users find App A simple, fast, and efficient R5R32. However, many describe it as not user-friendly, slow, and needing more maintenance R15. Login requires card details on a new phone R3, and biometric login issues can force bank visits R6.
Union Bank & Trust Mobile App B is frequently lauded for being easy to navigate, user-friendly, and simple . Users appreciate having control and information at their fingertips . However, some recent updates have made it harder to use .
Reliability edge: Union Bank & Trust MobileR1R7R10R13
UBA Mobile Banking App A suffers from severe reliability issues, with users reporting the app not opening for days or weeks R13R31, inability to log in R7R59, blank dashboards R1, and transactions failing R10R34. Network issues are also a common complaint .
Union Bank & Trust Mobile While many users state App B 'always works right' and is reliable , a significant number report frequent issues. These include the app being slow , crashing , being inaccessible due to updates , and periodically not loading . Payments can take several days to update .
Price/Value edge: Union Bank & Trust MobileR34R65R86
UBA Mobile Banking Both apps are free to download. Reviewers for App A do not discuss specific pricing or fees, but some express frustration with limitations like transfer limits R34.
Union Bank & Trust Mobile Both apps are free to download. App B offers a sign-up bonus for students and promotional high-yield savings accounts, which users find valuable R65. However, some users complain about extra fees for payments when the app or website is down R86.
Support tieR24R32R34R70
UBA Mobile Banking Some users praise UBA's customer service as outstanding, prompt, and professional R32. However, others report it's nearly impossible to speak with customer care R34 and that customer service provides unsatisfactory support for app issues R24.
Union Bank & Trust Mobile Users report difficulty reaching customer support, especially when the app is down R70R73. Some mention customer service being subpar and unhelpful R86.
Pick UBA Mobile Banking if

Pick UBA Mobile Banking (App A) if you prioritize a potentially fast and efficient experience for basic transactions when the app is functioning correctly, and value security features like double-check confirmation on transfers R5R14.

Pick Union Bank & Trust Mobile if

Pick Union Bank & Trust Mobile (App B) if you value a generally easy-to-navigate and user-friendly interface for checking balances and managing accounts, and appreciate potential benefits like student sign-up bonuses and promotional savings rates R65.

Evidence note: The lifetime ratings show a significant difference, with App B having a much higher average. Recent reviews for both apps show a negative skew, particularly concerning login and functionality issues after updates. For App A, the volume of negative reviews about basic functionality is very high, suggesting widespread issues. For App B, while there are recent complaints about updates and Zelle, the overall sentiment remains more positive.

Frequently asked

Are there common login issues with UBA Mobile Banking?
Yes, many users report frequent login problems with UBA Mobile Banking, including being unable to log in, the app not opening, or getting stuck on loading screens after signing in R7R13. Some users also face issues with verification codes or needing card details for new device logins R3R12.
Does Union Bank & Trust Mobile have issues with Zelle?
Yes, several users of Union Bank & Trust Mobile report significant problems with the Zelle function, including the page rarely populating, the app crashing when trying to use Zelle, or payments going on hold R64R73R98R117.
How do recent updates affect these apps?
Recent updates have caused significant issues for both apps; UBA Mobile Banking users report the app stopped opening or became unusable after updates R7R31R52R59, while Union Bank & Trust Mobile users experienced being forced to update but then unable to log in, or finding the app harder to use .

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R5] UBA Mobile Banking 5/5 · US Abraham Adaji: I have had a wonderful experience using the UBA Mobile Banking App. It is simple and transfers are seamless.
  2. [R10] UBA Mobile Banking 1/5 · US Worst app I’ve ever used: Can’t even send money
  3. [R11] UBA Mobile Banking 5/5 · US Please i need so lone which I can’t find on my app: I need lone please but i can’t find it on this app it should be here too
  4. [R14] UBA Mobile Banking 5/5 · US Great Financial App: It makes my transactions easy and very quick
  5. [R3] UBA Mobile Banking 3/5 · US Card: Why do I always need my card details to longin on a new phone
  6. [R6] UBA Mobile Banking 3/5 · US Good: While the app is okay and all. I had a situation (I’m using iPhone) where I was randomly logged out and i couldn’t log back in without my password. I didn’t know my password unfortunately because I got used to biometrics (Face ID login). So my option was to reset password but i couldn’t do that without a secure pass so i had to go all the way to the bank just to access my account. It’ll ha
  7. [R15] UBA Mobile Banking 3/5 · US A: Make it more easy please
  8. [R1] UBA Mobile Banking 1/5 · US My main account is not showing: My main account balance and number aren’t showing on the dashboard. I have refreshed my app multiple times yet no luck
  9. [R7] UBA Mobile Banking 1/5 · US Can’t log in: I have used the UBA mobile app for awhile now, even with the issues that comes with it. Recently, I noticed that I can sign in but it won’t bring up my dashboard. It will show that I have signed in, but I can’t do anything. I received an sms from UBA that the app has been upgraded. However, there is no button to upgrade on the App Store. I am still getting the same display. Terrible
  10. [R13] UBA Mobile Banking 1/5 · US App not opening: Why has the app stopped opening for up to 2 weeks now??? Tf you want ur users to do? What about those that makes transactions using just the app and don’t have a bank card?? So if I want to use the money In my account, I need to go to a bank and get withdrawal slip…. Be like say una no serious for this bank thing sha
  11. [R34] UBA Mobile Banking 1/5 · US Terrible mobile app: I won’t swear for the developer behind this terrible development yet. For goodness sake, how is my limit 5m and I’m only opportune to send out only 200k. The secure pass or token is not going either and it’s close to impossible to speak with a customer care. If this opportunity pass me by huh, I’ll surely say goodbye to this bank. It’s over a decade banking with you and it suc
  12. [R65] Union Bank & Trust Mobile 4/5 · US Great for UNL: This app is great for UNL students, especially with the sign-up bonus! The savings accounts are lacking quite a bit after graduation, but I really like their current 12-month promotional “Money Market Account” that has an interest rate of 3.45%, which is the highest for non-CD accounts. I’ll likely be looking elsewhere for a long-term high-yield savings account, but otherwise this
  13. [R86] Union Bank & Trust Mobile 1/5 · US Terrible bank: Website doesn’t work but have to make a payment today. So of course there is a an extra $5 fee. Get it together and the customer service is subpar. No one knows anything or how to help. Avoid this bank if you can
  14. [R24] UBA Mobile Banking 3/5 · US My banking services option unavailable on my menu: My banking services option unavailable on my menu. Customer Service not able to provide satisfactory support.
  15. [R32] UBA Mobile Banking 5/5 · US Extremely happy: UBA, your customer service is truly outstanding. Prompt, professional, and always reliable. Your app is also smooth, fast, and very user friendly. Keep up the excellent work!
  16. [R70] Union Bank & Trust Mobile 1/5 · US Ubt moblile: This is the worst banking institution ever. I have been locked out of my account for three weeks. I have no idea how much money has gone negative, and I don’t know what to do.
  17. [R12] UBA Mobile Banking 3/5 · US Unable to input verification code: I just updated my UBA banking mobile app and I got automatically logged out, I tried logging back in, I inputted my details correctly then got a verification code but whenever I try inputting the verification code it doesn’t let me type it in. Please fix this issue.
  18. [R64] Union Bank & Trust Mobile 2/5 · US App Issues: The app is alright for checking balances and transferring money, but other functions there seems to be a major hiccup. Whenever I try to use the Zelle function, the page rarely populates. This happens on both mobile and desktop. I moved around to different MiFis and tried a hardline connection to try and eliminate network issues, but I can rarely get the Zelle page to populate; it just
  19. [R73] Union Bank & Trust Mobile 1/5 · US Zelle: Zelle app has lot of problems, app crashes when we open directly, when we tried a payment it went on hold and asked to contact customer support but unable to reach customer support. Totally disappointed
  20. [R98] Union Bank & Trust Mobile 1/5 · US Cannot use Zelle: The app is really bad. Whenever I try to use Zelle through the app, it kicks me out. Super inconvenience!
  21. [R117] Union Bank & Trust Mobile 5/5 · US Zelle: I love the ease of the app. I wish I knew how to access Zelle while using it. I’ve been having to leave the app and go to ubt.com to use Zelle.
  22. [R31] UBA Mobile Banking 1/5 · US My app not working: My UBA mobile app has not been opening for the past 3days since I updated it, i urgently need assistance in solving this issue as soon as possible.
  23. [R52] UBA Mobile Banking 2/5 · US Not working well: I update my UBA bank app since then it’s not working well anymore I don’t understand
  24. [R59] UBA Mobile Banking 1/5 · US Am unable to log in: The new os update is bad plc work on it I can’t access my mobile app at all it’s just freeze

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store