Uncover Your UpYear 2025

Step back through your 2025

Get a look inside the financial universe you’ve been quietly generating all year with UpYear 2025. Every choice you made becomes part of your story: the saving, the spending, the surprises and the small habits that stacked up into something bigger.

Kicking off for the fifth time, UpYear is more balanced than ever. No data digging, no decoding, just your biggest money moments delivered as a personalised story.

This year we’re keeping it easy. UpYear 2025 lands straight in your Up app with a crystal clear view of how you moved through 2025. Dive in now and watch your year on Up reveal itself, one moment at a time.

Dip into your data pool

You can jump into UpYear in seconds. Update to the latest version of the Up app (v4.0.17), then tap the banner above your Activity feed or swipe all the way left to your Explore page in app to launch it. Your UpYear unfolds as a story, letting you move through each screen to see your saving, spending and standout moments from the year.

UpYear 2025 will be available in your app until 22/12/25, ready to revisit anytime. After that, your story dissolves back into the data pool it came from. You have been warned.

Pick your perspective

Your UpYear 2025 now starts with a choice: Up or 2Up? This year, you’ll get account-specific insights that let you see how your money story actually played out.

Once you’re in, the story breaks down everything that shaped your 2025. See what money flowed in, what leaked out, where you spent the most, how your savings behaved and how other Upsiders made the most of the year.

Take your next step

UpYear offers a quick moment to pause and take in the balance of your 2025: what lifted you, what drained you and what might need a tweak as 2026 kicks into gear.

Whether you dive into it or decide to skip it is completely up to you. Whatever you choose, thanks for another year of living on The Upside.

How Your 2025 Figures Were Figured

• Money In & Money Out

  Money In (Up Spending): "Money In" is calculated as the total AUD value of deposits into your Up Spending or 2Up Spending accounts from January 1, 2025, to November 28, 2025. This includes OSKO and Direct Entry payments.

  Money Out (Spending and Savers): The total AUD value of successful purchases and payments made from your Up or 2Up Spending and Savers accounts between January 1, 2025, and November 28, 2025.

• Top Merchants

  Your top 4 merchants are ranked based on the total number of purchases made with each merchant between January 1, 2025, and November 28, 2025.

• Changes in Savers

  Changes in Savers are shown as a positive or negative AUD value, calculated as the difference in your total Savers balance between January 1, 2025, and November 28, 2025.

• Round Ups

  Total Round Ups: The sum of all Round Up amounts on successful purchases with Round Ups enabled, calculated from January 1, 2025, to November 28, 2025.

  Upsider Round Ups: The average amount saved by Upsiders with Round Ups enabled on their Savers accounts, calculated between January 1, 2025, and November 28, 2025.

• Perk‑Up and Happy Hour

  Perk-Up: The total number of coffees won is calculated from the number of confirmed winners from eligible Perk-Up entries made by all Upsiders from January 1 2025, to November 28, 2025. This includes successful purchases of $6.50 or less at any merchant in the 'Restaurant & Cafes' spending category.

  Happy Hour: The total number of Upsiders who received cashback on meals & drinks is calculated from the number of confirmed winners from eligible Happy Hour entries made by all Upsiders in 2025. This includes successful purchases of $10 or more made between 5-7 PM AEST/AEDT on Fridays in the 'Restaurant & Cafes' or 'Pubs & Bars' spending categories.

• Overseas ATM withdrawals

  Overseas ATM Withdrawals: The total number of Upsiders who made a cash withdrawal from an international ATM that accepts Mastercard from January 1 2025, to November 28, 2025.

  Note: Get cash out with your Up card for free at any international ATM that accepts Mastercard. Up does not charge any extra fees for International ATM withdrawal. Some ATMs charge their own additional fees, but they’ll let you know that before you withdraw.

• Hook Up A Mate Bonus

  Hook Up A Mate Bonus payments: The total number of Upsiders who successfully received cash bonus’ when their mate fully completed sign up from January 1 2025, to November 28, 2025. Full Hook Up a Mate terms @ up.com.au/huam.