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

Wescom Financial Mobile vs Upgrade

Wescom Financial Mobile 4.8★ · Free to download 45
Winner Upgrade
Upgrade 4.9★ · Free to download 60

Upgrade has a slight edge due to its generally more reliable core functionality and positive impact on users' financial situations, despite some app performance and customer service issues, while Wescom Financial Mobile suffers from widespread login and feature malfunctions.

Full reviews: Wescom Financial Mobile · Upgrade

Wescom Financial Mobile is plagued by persistent login issues, unreliable Zelle and check deposit features, and frequent app crashes. Upgrade, while not without its own app glitches and customer service complaints, is praised by users for its positive impact on credit scores and debt consolidation.

Head to head

Features edge: UpgradeR1R9R10R15
Wescom Financial Mobile Wescom Financial Mobile users report significant problems with key features like Zelle, noting that the QR code scanner is missing or non-functional and the Zelle screen often stays black or crashes the app R1R10R17R21. The snap deposit feature is also frequently cited as unreliable, failing to recognize checks despite good lighting and contrast R9R15. Some users also desire budgeting tools and secure messaging .
Upgrade Upgrade users appreciate features like cash back and the ability to consolidate debt and improve credit scores R97R103R107. However, some users wish for a search feature within transactions and the ability to deposit checks by phone . There are also complaints about the inability to set up payable upon death beneficiaries .
Ease of Use tieR4R6R7R8
Wescom Financial Mobile Many Wescom Financial Mobile users struggle with logging in, reporting issues with Face ID not working, needing to manually type credentials every time, and frequent password resets or account lockouts R4R6R8R13. The app is also described as slow and prone to forcing users out of tasks R7. Some find the look and feel dated .
Upgrade Upgrade users also report login frustrations, with Face ID often not working or requiring additional text verification even after enabling passkeys . The app is sometimes described as slow and some users experience difficulties with the chat feature for customer service . However, many find the app easy to navigate and use for managing accounts R107.
Reliability tieR3R16R28R31
Wescom Financial Mobile Wescom Financial Mobile has significant reliability issues, with numerous reports of the app not loading, getting stuck on the launch or loading screen, crashing, or saying "unable to complete your request" R3R16R28R31. Updates often introduce new bugs or break existing functionality .
Upgrade Upgrade also faces reliability complaints, with users reporting the app not loading or getting stuck on the sign-in or loading screen for extended periods R84. Some users also note issues with the app not working on Wi-Fi . However, many users report never having a problem using the app .
Price/Value edge: UpgradeR1R2R5R14
Wescom Financial Mobile Wescom Financial Mobile is free to download, and users generally praise the credit union itself for good service and being a great bank R2R5R14. However, one user mentioned an ATM fee due to the app's Zelle issues R1.
Upgrade Upgrade is free to download. Users appreciate the low interest rates on loans R107 and the ability to consolidate debt R97. However, there are complaints about high fees , credit limits being lowered despite good payment history , and issues with payments taking too long to process .
Support edge: Wescom Financial MobileR2R5R29R35
Wescom Financial Mobile Wescom Financial Mobile users generally praise the customer service representatives and phone service, describing them as helpful, efficient, knowledgeable, and professional R2R5R29R35.
Upgrade Upgrade's customer support receives strong criticism, with users calling it "horrible" and "useless" R67R76R79R84. Issues include difficulty resolving fraudulent charges, not receiving new debit cards after requests, and accounts being closed without notice R76. The chat feature is also reported to be unhelpful .
Pick Wescom Financial Mobile if

You prioritize excellent customer service and are willing to tolerate an app with frequent login issues and unreliable features like Zelle and mobile check deposit R2R5R29R35.

Pick Upgrade if

You are looking for a financial product that can help with debt consolidation, offers potentially lower interest rates, and can improve your credit score, and you are prepared to deal with occasional app performance issues and potentially frustrating customer support R97R103R107.

Evidence note: Both apps have a significant number of recent negative reviews regarding app functionality, which contrasts with their high lifetime ratings. For Wescom, many recent 1-star reviews specifically mention app updates breaking functionality, suggesting a recent decline in app quality R28. For Upgrade, while some app issues are present, a notable portion of negative reviews relate to company policies, credit limits, or payment processing, rather than purely app functionality .

Frequently asked

Does Wescom Financial Mobile's Zelle feature work reliably?
No, many Wescom Financial Mobile users report that the Zelle feature is unreliable, with issues such as the QR code scanner not being present or working, the Zelle screen staying black, or the app crashing when trying to use Zelle R1R10R17R21.
Are there common login issues with Wescom Financial Mobile?
Yes, common login issues with Wescom Financial Mobile include Face ID not working, needing to manually enter credentials every time, frequent password resets, and accounts getting locked out R4R6R8R13.
How is Upgrade's customer service rated by users?
Upgrade's customer service is rated poorly by users, with many describing it as "horrible" and "useless" due to difficulties resolving issues like fraudulent charges, not receiving new cards, and accounts being closed without notice R67R76R79R84.
Can Upgrade help improve my credit score?
Yes, several Upgrade users report that using the service has helped them consolidate debt and increase their credit score, with one user noting an increase of almost 150 points R97R103R107.

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. [R1] Wescom Financial Mobile 1/5 · US Zelle needs to be updated on the application: Had an embarrassing interaction with someone with QR code at a chocolate sale. The camera to scan the QR code is not present in the Zelle portion of the Wescom app. Had to run to an ATM at a CVS to get money and the fee. This makes me want to dump Wescom Financial for not having an up to date app.
  2. [R9] Wescom Financial Mobile 3/5 · US Snap Deposit feature is useless!!: I used all kinds of different contrast backgrounds and the lighting is good and yet after 20 times it still gives me error code. So frustrating so I will have to deposit physically at ATM. Other than that, app is good
  3. [R10] Wescom Financial Mobile 1/5 · US ZELLE DOES NOT WORK: tried to use new app and Zelle will not load after confirming contact information. Screen just stays black 😒
  4. [R15] Wescom Financial Mobile 3/5 · US Snap deposit: The snap deposit, again, is not working. My checks are on a black table so there is a high contrast between the paper and table top and it still will not recognize the check. I also have to hold it more than a foot away for it to recognize the check but an error always pops up as it can’t read the numbers on the bottom.
  5. [R4] Wescom Financial Mobile 2/5 · US Logging In: The application itself is fine. What I always, and I mean always, struggle with is logging in. No use having Face ID enabled or saving my login info, as I need to manually type in my account and password every time I have to use the app. There are worse things in life, but why even offer the “quick options” if they don’t even work?
  6. [R6] Wescom Financial Mobile 3/5 · US Unreliable: My mobile for a few weeks has been not accepting my log on credentials
  7. [R7] Wescom Financial Mobile 2/5 · US App needs work!: App needs work! Extremely slow! Forces you out of doing things often it’s actually ridiculous!
  8. [R8] Wescom Financial Mobile 4/5 · US Log in issue: I keep having issues logging in I end up resetting my password too often.
  9. [R3] Wescom Financial Mobile 3/5 · US Usually works: The app usually works well but today there’s been nonstop glitches and I can’t access my account
  10. [R16] Wescom Financial Mobile 1/5 · US App not updating: Wescom app is not working properly on my new iPhone despite multiple attempts.
  11. [R28] Wescom Financial Mobile 1/5 · US Broken: Recent update broke the app on all 3 devices we own
  12. [R31] Wescom Financial Mobile 1/5 · US Can’t Open App: Keeps on saying unable to complete your request every time I try to open the app. Such a bad app
  13. [R2] Wescom Financial Mobile 5/5 · US Love Wescom: Been with Wescom a long time and never been disappointed. Nothing but great service!
  14. [R5] Wescom Financial Mobile 5/5 · US Thanks team Wescom for your good service 👍: Hi team Wescom, just to thank you guys for your great services anytime we are in need. Also , help us to have one branch Wescom in Downtown area . It would be very helpful than going to Seven Eleven stores ( Not safe at all). Sincerely, Loliki .
  15. [R14] Wescom Financial Mobile 5/5 · US Happy go lucky: I been with this bank for a while meet so many good tellers that have retired
  16. [R29] Wescom Financial Mobile 4/5 · US Phone service: I just wanna say your phone service is getting marginally better. It was horrible for so long after you became a bank and you know a lot of your members have moved out of California so the only way I get money from you or answers is on the phone do better.
  17. [R35] Wescom Financial Mobile 5/5 · US Representatives: The representatives are the best!!! Great bank!
  18. [R17] Wescom Financial Mobile 4/5 · US i love this app, but…: is there any way to report a bug report besides leaving a review? Trying to open Zelle through the app crashes it. :(
  19. [R21] Wescom Financial Mobile 3/5 · US Needs fine tuning: The app has improved a lot but the Zelle feature leaves wanting more. It just feels very plain visually. No colors to indicate money in or out. And the scanning of a Zelle QR code has never worked for me. It continuously says “not a Zelle QR code.”
  20. [R13] Wescom Financial Mobile 1/5 · US Always logging me out: App always logs you out and says incorrect credentials. Then locks you out of you’re account fix you’re app
  21. [R67] Upgrade 1/5 · US Goodluck separating from them.: Paid off my loan. Wanted to delete my app account and unlink all my personal identifiable information like my bank account, address, email, telephone. Can’t do it for some reason. Literally the most impossible task for them. They forever keep your information. Customer service is useless. Stay away.
  22. [R76] Upgrade 1/5 · US Horrible customer support: This company’s services should be avoided at all cost. I have been trying to work with them to have a fraudulent charge made from another country removed for almost two weeks. The charges were supposedly made with a physical card in Australia. When reported to Upgrade customer support, they were operating very poorly to resolve the issue. I asked to cancel the card and
  23. [R79] Upgrade 1/5 · US Meh, 100% unsupportive: Do not rely on those guys for support, go check out a real bank, they give you an umbrella and once it rains they take it away!!!!
  24. [R84] Upgrade 3/5 · US Disappointing start: From Uplift turning into Flexpay and the transition is horrible. I get a constant “access denied” when trying to sign in. There is always something wrong and an error message is always given. I dont know whats going on and its been a week or two since I was given to go ahead to change over
  25. [R97] Upgrade 5/5 · US Upgrade for freedom: This initial upgrade, Lone has allowed me to clean up a lot of credit card debt and other high interest that I had is allowed me to increase my credit score by almost 150 points. I’m so glad I took this option. Thank you Upgrade. You’re wonderful.
  26. [R103] Upgrade 5/5 · US Helps a lot: Really comes in handy and helps me build credit
  27. [R107] Upgrade 5/5 · US Easy Peasy!: With all we do now on our phones and with all the passwords we have to retain, I am so refreshed by this app. It feels secure, yet is easy to login and navigate through, make quick changes, monitor accounts, transfers, review credit scores, etc. Upgrade’s low interest rate has really helped me work through some accrued credit card debt by making one easy payment a month that auto pa

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