I never thought banking could be exciting. Coming from commbank I thought their app was good, but it's truly got nothing on Up. The built-in insights are better than any 3rd party app I've used. The round-ups and automatic savings transfers are making me save money without even realising it. Love the ability to see my upcoming subscription payments as well! The 1 UI change I'd like to see is make the header bar scrollable so I don't have to tap/swipe multiple timea.