Spend overseas without the extra fees
Pay No Fees On International Purchases
Sick of being nickel and dimed when you buy things online or overseas? A cheeky international transaction fee here, an interest rate mark-up there. Up doesn't charge extra fees when you buy things overseas in person or online so you always get a great rate.
No Added Conversion Or Mark‑up Fees
Up doesn't add any markup onto the Mastercard® exchange rate, so you get foreign currencies at the same low rate we do, making Up great for shopping online and travelling.
Protip: When using Up overseas, we recommend choosing to pay in the foreign currency as opposed to AUD when given the choice. This lets you take advantage of the great rate you get by being an Upsider, instead of the rate the merchant terminal chooses to give you.
Up Doesn't Charge ATM Fees Overseas
Sometimes when you're travelling you need cash. When you withdraw money from an ATM, Up doesn't charge you any additional fees for the privilege.
Note: ATM operators can also charge fees we can't foresee. In Australia and most other countries, operators must tell you if they're going to charge fees. However in some other parts of the world you won't always be notified of an operator fee. We suggest reading up on your travel destination before you travel.
Travel Safe With In‑App Card Controls
Use fine-grained card controls to lock down your card if it's lost or stolen with just a few taps.Check Out Up Cards
Know How Much You're Spending In AUD
Up displays purchases with Australian and foreign currency amounts together so you know what you paid*, no matter what currency you used. You'll also get instant purchase notifications in Australian dollars so you know a transaction was in the right ballpark.* Final transaction amounts can change slightly as foreign exchange rates can fluctuate between when you make a purchase, and when a merchant settles your transaction.
Need To Send Money Overseas? We're On It.
Up is the first Australian bank to integrate with Wise to provide international money transfers. As an Upsider you'll pay no exchange rate markups, know upfront exactly how much you'll pay in fees and know how much your mates overseas will receive in their foreign currency.Learn About Up And Wise
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