Freeing Up High

From Early Access to free access

Up has always been shaped by our community. It’s how we started, and it’s how we’ll keep growing. Every idea, request and wild suggestion sent through Talk to Us has helped make Up what it is today. And as we’ve grown, so has the appetite for tools that take money management to the next level.

For the past year and a half, Early Access has been our space to explore more advanced money tools with the people most keen to push the boundaries. Thousands of you joined in, tried new features, and shared feedback that only comes from real-world use.

We started Early Access with equal parts curiosity and determination, not knowing exactly where it would take us. What followed was only possible with the support and input of the people who joined. If you were part of it, thank you.

The result

After months of building, refining and listening, we reached a clear conclusion. These tools were not niche extras for a select group of power users—they were genuinely improving financial wellbeing for anyone who used them. Once we saw that, it was obvious they belonged with everyone.

That’s why, from today, Early Access is officially closed and Up High is being retired. We’re moving away from the subscription model we had planned, and everything built in Early Access will now become part of the core Up experience, free for everyone.

The rollout

Starting this week, we’ll begin rolling out all Up High exclusive features to all Upsiders. That includes Auto Covers, Notes & Attachments, Auto Tags, and Essentials. Each feature will have its own moment in the spotlight so people can get a feel for how it works. If you joined us in Early Access, you’ll continue to enjoy full, uninterrupted access to each feature.

Here’s the features you can expect, in order of appearance:

Auto Covers

Coming this week!

Notes & Attachments

Coming the week of 24 November

Auto Tags

Coming the week of 1 December

Essentials

Coming in early 2026

To our members

If you’re currently using Essentials, nothing changes just yet. It’ll keep earning the Grow Rate (up to $5K) until it’s released to everyone in 2026. It’s important to note that once it’s released, the Essentials Saver’s interest rate will change and start earning the Flow Rate on the entire balance. We know that’s a change, so we’ll share more details as we get closer.

So long as you’re still on Up, the $25 you paid to become a member of Early Access will be returned to your account automatically. You’ll see this land in the account you used to pay for your membership, within 4 weeks. If it hasn’t arrived by then, reach out via Talk to Us.

For anyone who bought Up High merch, consider it limited edition collector’s gear now. We’re not offering refunds on merch, but we’re cooking up something fun with the key rings soon. Stay tuned!

To the future

Up has always been about building tools that help people take control of their money, so they can focus on the good things in life. That hasn’t changed—it’s what drives us every day.

Up High might be wrapping up, but the ambition and energy behind it stays. We’re bringing those ideas into the core experience so everyone can benefit and enjoy banking that’s always getting smarter, simpler, and built around you.

If you were part of Early Access, you helped shape what comes next, and we couldn’t be more excited for the next chapter together. Thank you all for being part of the ride.