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Side-by-side comparison
Multipass logo
Multipass
VS
Upgrade logo
Upgrade

Multipass vs Upgrade

Side-by-side comparison of Multipass and Upgrade — features, fees, supported countries, and ratings.

Highlights

A quick, at-a-glance look at what makes Multipass and Upgrade stand out.

Multipass logo

Multipass

Neobank
  • Mobile-first banking
  • Built for businesses
  • Available in 15 countries
  • Rated 4.2 / 5 on Neolista
Upgrade logo

Upgrade

Top rated
  • Mobile-first banking
  • Great for personal use
  • Available in 1 country
  • Rated 4.7 / 5 on Neolista
Neolista

Average Neolista Scores

Compare the Neolista scores of Multipass and Upgrade to the overall average score across all listed providers.

Multipass logo
4.2
VS
Upgrade logo
4.7
VS

Directory average

4.1

Multipass vs Upgrade: the full comparison

Our breakdown of how Multipass and Upgrade compare — and which might suit you best.

Multipass is available in 15 countries, while Upgrade is available in 1 country. Both are popular neobanks, but they take different approaches and suit different needs.

Multipass is best suited to businesses. MultiPass is a bank challenger that offers multi-currency virtual IBANs, local EU, UK and US accounts as well as a corporate card to cover day-to-day business expenses. Note: Multipass accepts companies from the UK and other countries on a case-by-case basis It currently holds a Neolista score of 4.2 out of 5.

By comparison, Upgrade is geared towards individuals. Check your rate for a fixed-rate personal loan and borrow up to $50,000. Or get started with Upgrade Card in just minutes. Check out Rewards Checking with cash back rewards and more. We're here to help you build the future you want. It currently holds a Neolista score of 4.7 out of 5.

If Multipass lines up with what you need, it's a strong choice — but it's worth weighing Upgrade too, especially on availability, fees and the account types each one supports. Use the live details above to pick the option that fits you best.

Where can you use them?

Multipass and Upgrade aren't available everywhere. Here's where each one currently operates.

Multipass logo

Multipass

Available in 15 countries

Belgium flagBulgaria flagDenmark flagFinland flagFrance flagGreece flagItaly flagNetherlands flagNorway flagPoland flagPortugal flagRomania flagSpain flagSweden flag+1 more
VS
Upgrade logo

Upgrade

Available in 1 country

United States flag

What customers are saying

Recent verified 5-star reviews for Multipass and Upgrade.

We had a great experience with Multipass. The account opening process was smooth and efficient, with clear guidance at every step. The support team was responsive, professional, and always willing to assist whenever needed. We highly appreciate the quality of service and would recommend Multipass to our partners.

Trustpilot
Liel"Multipass" review from Trustpilot

I applied for a loan and got the loan approved in less than 24 hours.

Trustpilot
customer"Upgrade" review from Trustpilot
Multipass logo

Multipass is great for businesses

Multipass offers accounts for business customers.

Business accounts
Go to Multipass
Upgrade logo

Upgrade is great for individuals

Upgrade offers accounts for personal customers.

Personal accounts
Go to Upgrade

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