Join in minutes and pay no monthly fees. Get Apple Pay™, Google Pay™ and Samsung Pay™ instantly.
Get locally‑based support, 7 days a week using Talk to Us in-app.
Next Gen security features and the safety of accounts backed by Bendigo Bank.
Sign Up In Minutes - No Monthly Fees
Australia's highest rated banking app
Create and customise multiple Savers for your life goals instantly.
Earn up to 0.70% 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.
Use Covers and Forwards to stick to a budget and save every last cent.
Schedule Automatic Transfers to or from your Savers down to the minute
Breeze Between Pay Days using your 'spendable balance'.
Get monthly, weekly, and daily insights into your spending habits.
Keep financially fit by setting Trackers on specific spend categories.
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.
Easy With Your Mates
Stand out from the crowd and get paid to your personalised $Upname.
Pay easy. Pay instantly. Osko support built‑in.
Life is a conversation. Up organises your payments in a messenger‑like thread.
Move it through time. Schedule and repeat your payments down to the minute.
Prefer BPAY® to pay bills? We’ve got that too.
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.
Make International Money Transfers with Wise.
Get instant Apple Pay™, Google Pay™ and Samsung Pay™ as well as support for Garmin Pay™ and Fitbit Pay™
Use an Apple Watch app that is a first class banking citizen when you are on the go
Hands full? Just ask Siri to move some money
2Up lets you join forces with your partner to battle bills, save for shared expenses and share expenses.
Easily invite your Player 2 to battle bills together, share expenses and track spending.
Create Savers you can both contribute to. Power up!
Instantly get a digital 2Up card each, powered by your digital wallet.
Pay shared bills, view insights and add Trackers for tag‑team budgeting.
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.
Read the Up story
Up is designed and built in Melbourne by a bunch of passionate humans. How we came to be Up is an interesting story.See more about Up