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 1.85% 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.
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.
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.
Prefer BPAY to pay bills? We’ve got that too.
Move it through time. Schedule and repeat your payments down to the minute.
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.
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.
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