Essentials
Sep 01, 2026 · Features
Stay ahead of bills before they hit
Essentials is now free and available to everyone on Up.
With Essentials, you can bring regular bills together in one place, keep bill money separate from everyday spending and pay them straight from Essentials.
Essentials works out how much you'll need for your regular expenses from each pay, then puts money aside automatically through Pay Splitting.
Subscriptions, direct debits and other recurring expenses can be paid straight from Essentials using the dedicated card or account details.
So when bills land, the money’s already there.
Protected. Predictable. Paid.
Included in Essentials
See what’s covered now and what’s needed for future bills
Dedicated digital debit card
Add, manage and save for bills in one place
Unique BSB and account number
Auto-fund bills with Pay Splitting
Support for both Up & 2Up accounts
Setting up Essentials
It only takes a few steps to get your bills sorted. If you already use Essentials, open it from the Savers tab. If not, swipe across to the Savers tab, tap the orange plus (+) button, then tap Essentials.
START WITH PAY DAY
Get paid into Up and Essentials will use your Pay Day to work out how much to set aside for your recurring bills. If you haven't already, you can set up Pay Day directly from Essentials.
ADD YOUR BILLS
Add your subscriptions, direct debits and other recurring expenses as Regulars. Check that their amounts, due dates and frequencies are correct so Essentials knows what’s coming up.
MAKE THE SWITCH
Move your Regulars into Essentials, then update the payment details with each provider using your Essentials card or BSB & account number. Moving a Regular in-app won’t update these automatically, but you only need to do it once. Then let Essentials take it from there.
CHECK IN & TOP UP
See what’s already covered, what’s still needed and what your next pay will take care of. Need a little more? Top it up. Your bill money stays separate from everyday spending, while Essentials automatically accounts for your Regulars — whether they're weekly, monthly or yearly payments.
Earn interest while bill money waits
From today, money held in Essentials earns interest at the Flow Rate of 2.00% p.a., rather than the Grow Rate of 5.35% p.a. (on balances up to $5K) previously available through Up High.
From 1 March 2027, earning the Flow Rate on Essentials will require five eligible card purchases each month. Until then, you won’t need to meet this requirement.
During this period, money held in Essentials will earn the Flow Rate whether or not you make five eligible card purchases. This offer only applies to Essentials. The interest qualification requirements for all your other Savers remain unchanged.
Essentials is built for funding future spending. Your other Savers remain the place for money you’re growing over time.
Make bills background noise
Once you’re set up, Essentials does the maths, keeps bill money separate from everyday spending and lets bills be paid straight from its dedicated card or account details. You can also see what’s covered before anything is due.
Open Essentials, get your bills sorted and let them fade into the background. If you need help or have feedback as we keep improving Essentials, send us a message via Talk to Us.
Get the gist
We’ll swing our monthly newsletter and release notes your way.
Essentials: Coming Soon
Essentials is coming to all Upsiders. Built to help make bills background noise, so you can spend less time thinking about them.
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