Up 1-MATE-$100 Promotion Terms & Conditions (Conditions of Entry)


Up 1-MATE-$100 Promotion


Up, a brand of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879, The Bendigo Centre - 22 Bath Lane, Bendigo, VIC 3550, Australia. Ph: 1300 236 344.

Promotional Period

Each Promotion commences at 12:01am (AEST/AEDT, as applicable in Victoria) on a Monday and closes at 11:59pm (AEST/AEDT, as applicable in Victoria) the following Sunday. The Promotion will run on a weekly basis until terminated by the Promoter (until otherwise specified by the Promoter). All advertising for the Promotions will be removed as soon as the Promotions cease.

Eligible entrants

Entry is only open to Australian residents who are existing Up account holders. Entrants under the age of 18 must have parent or legal guardian approval to enter.

How to Enter

To enter the Promotion, the entrant must successfully refer a “friend” to join Up via the ‘Hook Up A Mate’ referral programme located on the Up App.

The referrer’s entry will only be validated when the referred customer passes Up’s ID verification process (‘KYC’). The referred customer must pass the Up ID verification process within fourteen (14) days of the initial invite being sent. Invites will expire after fourteen (14) days. For the sake of clarity, the entrant will receive an entry into the draw based on when the referred customer passes the Up ID verification process (not when the initial referral is made) (which may be a subsequent Promotional Period).

In the case that a friend is referred by multiple people, only the first person to refer that friend will receive an entry into the draw.

As part of entering the Promotion, the entrant agrees and acknowledges that their Upname and Up profile image may be shared on Up's social media channels (if they are drawn as a weekly winner).

Entries permitted

Multiple entries permitted subject to the following:

  • limit one (1) entry per person per weekly Promotional Period;

  • each entry must be submitted in accordance with the entry instructions above; and

  • by completing the entry method, the entrant will receive one (1) entry.

Total Prize Pool

AUD $500.00

Prize Description

The prize is $100 paid by direct deposit into the winner’s Up bank account.

The prize cannot be deposited to any other bank account.

Number of this prize

5 per draw (per rolling Promotional Period)

Value (per prize)


Winning Method

Weekly Draws

Winner notification

The winners will be contacted via their Up App within one (1) day of the corresponding draw.

Unclaimed Prizes

Prizes will be automatically transferred into winner’s accounts. In the event that a prize cannot be transferred and the winner cannot be contacted, the Promoter may award the prize to a reserve winner.

  • The entrant agrees and acknowledges that they have read these Conditions of Entry (and Schedule) and that entry into the Promotion is deemed to be acceptance of these Conditions of Entry (and Schedule). Any capitalised terms used in these Conditions of Entry have the meaning given in the Schedule, unless stated otherwise.

  • Entries are deemed to be received at the time of receipt by the Promoter and not at the time of transmission or deposit by the entrant. Records of the Promoter and its agencies are final and conclusive as to the time of receipt.

  • Valid and eligible entries will only be accepted during an Entry Period.

  • All draws will take place at Up, The Bendigo Centre, Bath Lane, Bendigo VIC 3550, Australia at 09:00 am AEST on the business day following the end of the weekly Promotional Period (by computerised random selection). Non‑winning entries in each Weekly Draw will not be entered into any subsequent Weekly Draws.

  • The Promoter may draw reserve winners in case of ineligible or invalid entries.

  • The first five (5) valid entries drawn in each draw will be the winners of the prizes specified in the Schedule above.

  • If a draw is scheduled on the weekend or a public holiday, the draw will be conducted at the same time and location on the following business day. The Promoter will ensure each draw is open for public scrutiny and anyone may witness the draw on request. The winner of a drawn prize is determined by chance.

  • If any winner chooses not to take their prize (or is unable to), or does not take or claim a prize by the time specified by the Promoter, or is unavailable, they forfeit the prize and the Promoter is not obliged to substitute the prize.

  • No part of a prize is exchangeable, redeemable for cash or any other prize or transferable, unless otherwise specified in writing by the Promoter.

  • If a prize (or portion of a prize) is unavailable the Promoter reserves the right to substitute the prize (or that portion of the prize) to a prize of equal or greater value and specification.

  • No entry fee is charged by the Promoter to enter the Promotion. Where entry is allowed online, there is no additional cost to enter the Promotion other than any cost paid by the entrant to access the website or social media platform of entry via their Internet service provider.

  • Each prize will be awarded to the person named in the entry and any entry that is made on behalf of an entrant or by a third party will be invalid. If there is a dispute as to the identity of an entrant or winner, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant or winner.

  • Entrants’ personal information will be collected by the Promoter. Personal information will be stored on the Promoter’s database. The Promoter may use this information for future marketing purposes regarding its products, including contacting the entrant electronically. The Promoter is bound by the Australian Privacy Principles in accordance with the Privacy Act 1988 (Cth) and its privacy policy which is located at https://up.com.au/privacy/. The Promoter’s privacy policy contains information about how the entrant may access, update and seek correction of the personal information the Promoter holds about them and how the entrant may complain about any potential breach by the Promoter of the Australian Privacy Principles or any other Australian privacy laws and how such complaints will be dealt with. The Promoter collects personal information about entrants to enable them to participate in this Promotion and may disclose the entrants’ personal information to third parties including its contractors and agents, prize suppliers and service providers to assist in conducting this Promotion. If the entrant does not provide their personal information as requested, they may be ineligible to enter or claim a prize in the Promotion. Personal information collected from entrants will not be disclosed to any entity located outside of Australia.

  • If a prize is provided to the Promoter by a third party, the prize is subject to the terms and conditions of the third party prize supplier and the provision of the prize is the sole responsibility of the third party and not the Promoter. The terms and conditions which apply to the prize at the time it is issued to the winner will prevail over these Conditions of Entry, to the extent of any inconsistency. The Promoter accepts no responsibility or liability for any delay or failure by the third party to deliver the prize, any delay or failure relating to the prize itself or failure by the third party to meet any of its obligations in these Conditions of Entry or otherwise.

  • Any guarantee or warranty given is in addition to any relevant statutory guarantees and warranties and nothing in these Conditions of Entry restricts, excludes or modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).

  • If for any reason any aspect of this Promotion is not capable of running as planned, including by reason of computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of the Promoter, the Promoter may in its sole discretion cancel, terminate, modify or suspend the Promotion and invalidate any affected entries, or suspend or modify a prize, subject to State or Territory regulation.

  • The Promoter reserves the right, at any time, to validate and check the authenticity of entries and entrant’s details (including an entrant’s identity, age and place of residence). In the event that a winner cannot provide suitable proof as required by the Promoter to validate their entry, the winner will forfeit the prize in whole and no substitute will be offered. Incomplete, indecipherable, inaudible, incorrect and illegible entries, as applicable, will at the Promoter’s discretion be deemed invalid and not eligible to win. Entries containing offensive or defamatory comments, or which breach any law or infringe any third party rights, including intellectual property rights, are not eligible to win. The use of any automated entry software or any other mechanical or electronic means that allows an individual to automatically enter repeatedly is prohibited and may render all entries submitted by that individual invalid.

  • The Promoter reserves the right to disqualify entries in the event of non‑compliance with these Conditions of Entry. In the event that there is a dispute concerning the conduct of the Promotion or claiming a prize, the Promoter will resolve the dispute in direct consultation with the entrant. If the dispute cannot be resolved the Promoter’s decision will be final.

  • The Promoter and its associated agencies and companies will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence or wilful misconduct) in connection with this Promotion or accepting or using any prize (or recommendation), except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law).

  • The entrant will participate in and co‑operate as required with all reasonable marketing and editorial activities relating to the Promotion, including (but not limited to) being recorded, photographed, filmed or interviewed and acknowledges that the Promoter may use any such marketing and editorial material without further reference or compensation to them.

  • The Promoter accepts no responsibility for any tax implications and the entrant must seek their own independent financial advice in regards to the tax implications relating to the prize or acceptance of the prize.

  • Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.

Last updated: 24 October 2022