Time to move on?

Up your banking game.

Up is a digital bank designed to help you organise your money and simplify your life.

Try the future of banking

Australia's highest rated banking app

Simple and fast to try right now

  • Download, sign up, and start using Up in minutes.
  • No monthly or annual fees for you to worry about.
  • Get Apple Pay™, Google Pay™ or Samsung Pay™ instantly.
  • Feel the power. Up your banking game today!

Smash your savings goals

  • Create and customise multiple Savers for your life goals instantly.
  • Earn up to 2.00% per annum across all your Savers - *conditions apply.
  • Round‑up your spare change with every purchase. Boost your Round-ups to supercharge your savings.
  • We’ve got you covered. Split your pay into any of your Savers automatically on pay day.

Get on top of your spending

  • See where every dollar goes with auto‑spend categorisation.
  • Get monthly, weekly, and daily insights into your spending habits.
  • See all your upcoming bills at a glance. Avoid late fees. You’re on it.
  • Automatically track everything you spend at specific brands and shops.
  • Always know your balance with instant notifications.
  • App Store review by Carlee: Love this app! It makes saving a breeze! Such a well designed app
  • Google Play review by Alex Stephens: Great app design which is constantly improving, makes me genuinely enjoy tracking my finances when it used to be purely a chore.
  • Google Play review by Zyl H-W: Fantastic app, great design philosophy and functionality, good interest returns, transparent communication with users about progress and plans.

Money moves that kill bills & pay mates

  • Pay easy. Pay instantly. Osko support built‑in.
  • Life is a conversation. Up organises your payments in a messenger‑like thread.
  • Stand out from the crowd and get paid to your personalised $Upname
  • Use BPAY to swiftly send your bills to an early grave.
  • Move it through time. Schedule and repeat your payments down to the minute.

Bank like a local, globally.

  • No fees on international purchases online or in‑person.
  • Get the actual Mastercard exchange rate, with no added conversion or mark‑up fees.
  • No fees from Up when you use ATMs overseas.
  • Keep it safe. Lock down your card with in‑app card controls.
  • Instantly see the cost of purchases in both Australian dollars and foreign currencies.

Get the smartest of smart tech

  • Up is always on the move. We’re in the business of shipping software updates ...often.
  • Built from the ground up by a team of hardcore tech heads, so we can roll out changes quicker and cleaner than most banks. When we’re fast, you’re fast.
  • Teamwork makes the dream work. Use Talk to Us in app to tell us the ultimate wish‑list you want from Up. We’re all ears, all the time.

Sign up in minutes andUp your banking game today

Read the Up story

Up is designed and built in South Melbourne by a bunch of passionate humans. How we came to be Up is an interesting story.

See more about Up