It’s time to reboot banking

Up is an alternative to your current bank, built from the ground up to help you spend wisely and save effortlessly.
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It’s 2018

… and yet, logging into your bank feels like you’re stuck in a time warp. There’s that crusty old ledger of credits and debits, unchanged for decades, only now shrunk down for mobile screens.

Debits Purchases

It turns out that many of these so-called “debits” are what most normal people would call “purchases”. Many of them happen out in the real world!

Spend Wisely

Up will present your purchases in a format you can understand, providing recognisable business names along with additional details like location and category.

Up recognises you have different kinds of spending. There are day-to-day purchases, and there are also charges that occur regularly.

Spending Patterns

By understanding your spending habits, we can begin to recognise patterns. It turns out most of us have quite a few monthly recurring charges — mobile phone, rent, music streaming, and car insurance to name a few.

Recognising these spending patterns allows us to then anticipate your future spending.

What are the essentials you need to cover?
How much is then left over for spending?

Your Spendable Balance

This is the money left over in your account once you’ve allowed for regular charges and savings contributions; the real amount you can safely spend.

These are just some of the ways Up will help you spend wisely.

Create Targets

Saving effortlessly starts by creating savings targets—not filling out a form to open a new savings account.

Create as many savings targets as you like. Up will do the work to help you achieve your goals on time.

A target doesn’t have to be something big like a trip to Europe or a deposit for a new house. You can use targets to automatically stash away a few dollars each week, so when it’s time to pay your annual car registration or insurance bill, you’ve got the money on hand.

Save Effortlessly

We believe everyone can save, and this habit is one of the keys to financial well-being. That’s why we’re building features to make saving effortless, like putting away the spare change from everyday purchases towards your targets.

Helping you spend wisely and save effortlessly is at the very heart of our mission. We are building Up to work hard for you, so you can say goodbye to banking busy work.

So who are we anyway?

Up is being hand-crafted by a dedicated team of designers and developers in Melbourne.

We’ve quested deep into the belly of the banking beast, battling enterprise demons and learning of its inner-most workings. We’ve now emerged back into the world—full of knowledge and passion—ready to apply the full force of modern product development to deliver the banking experience you deserve.

Daniel Wearne

wer - nah
Designer, Crossfitter, French Bulldogs, Solving Rubik’s Cubes, Gif enthusiast

Andrew Carson

ann - dee
Gastronaut, wood wrangler, coder, dad

Anson Parker

pah - ka
New dad, sleep fancier, creator of things

Anthony Langhorne

lang - erz
Reigning office Mario Kart champ

Chris Aitchison

Gardener of software, raiser of children, archnemesis of the status quo

Evan Karantonis

gee - gee - ai
Food, F1, Cars, Ethnic & Classical Music, History, Apple stuff, Unix/Linux

Kacey Thomas

mit - ee
Dog whisperer, arm wrestler, buck hunter

Levi Buzolic

lee - vie
Pedal pusher, photo taker, thing maker

Matt Riddle

rid - els
Cyclist, outdoors enthusiast, photography & videography hobbyist

Mike Morris

moh - ree
Beating Langers at Mario Kart

Justin Morris

juz - zee
Happiest pinning singletrack or building something

Tarragon Allen

tar - tee
Xbox enthusiast, comic book reader, obscure game player

Tom Meier

pom - ee
Pun Pentathlons, Travel Tastings, Food Fantasies, Code Conundrums

Ben Hoskings

hos - koh
Budding cyclist, sipper of teas

Andreas Weis

ann - dee
Design, food, outdoor, drums, metal

Hannah Gibson

Designer, artist, creative, travel lover and new mum

Paul Tagell

Gardening, renewable energy, home-automation and building

Neil Ang

Coffee, cycling, coding, creating

Marcus Crafter

crarf - tah
All things Apple, cycling, family and travel

Chris Corbyn

chip - ee
Software development, hiking, tropical fish keeping

Alyce Wells

wells - ee
Lazy Sundays, food lover, wannabe traveller

Jason Whitehall

Sci-fi, superhero’s, 70’s & 80’s classic hits, the beach

Katie Sim

kate - ee
Soccer mum, Futsal enthusiast, Chocoholic, Tennis try-hard

Murray Polkinghorne

Hoops, hiking, happy snaps, herding cats

Dan Corboy

dee - fuh
American sports tragic, D&D, digital plumbing, automation

Ash Austin

mad - sneyk
New tech, chasing pigs, the devils advocate

Shaugh McIntosh

fun - ee
Pilot, impromptu musician, coder, hunter, impersonator

Cameron Crothers

zil - la
denying pull requests, toasting sandwiches, renovating, super dad

Arun Devidas

ay - dee
Dad stuff/Lego, BBQ sauce, Destiny 2, Payments tech, The Mighty Hawks

Madeline Kerkvliet

mad - dog
Travel, Coffee, Netflix, Food, Wine

Have suggestions or feedback for our platform, or just want to get in touch? We’d love to hear from you.

Send us a message
Made with lovein South Melbourne
Spend wisely, save effortlessly.
For more about Up, and for details of the issuer of any proposed financial product click here.