Promoter

Up, a brand of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL/Australian Credit Licence 237879, The Bendigo Centre - 22 Bath Lane, Bendigo, VIC 3550, Australia. Ph: 1300 236 344.

Promotional Period

Start time/date: 09:00 am AEDT on 13/10/25

End time/date: 11:59 pm AEDT on 17/10/25

Eligible Entrants

Entry is only open to Australian residents who are 16 years of age or over and are ‘Upsiders’ (i.e. current Up customers who have an Upname registered to their account via the Up App). Entrants under the age of 18 must have parent or legal guardian approval to enter.

How To Enter

To enter the Promotion, the entrant must complete the following steps during the Promotional Period:

1. open their Up App and tap the Cash Splash hint above the activity feed; and
2. swipe the toggle at the bottom of the page.

Entries will be automatically recorded upon completion of the above steps.

Entries permitted

Multiple entries permitted subject to the following:

1. limit one (1) entry permitted per person per day; and
2. each entry must be completed separately and in accordance with the entry instructions above.

Winner Determination

Daily Draws:

• There will be one (1) draw conducted for the entries received each day of the Promotional Period, with a total of five (5) draws (“Daily Draws”). Subject to the starting and closing time of the overall Promotional Period, entries into each Daily Draw will open and close each day based on VIC local time. Each Daily Draw will take place at Up HQ, Level 7, 271 Collins Street, Melbourne VIC 3000 at 9:00 am AEDT on the business day after entries close for that Daily Draw, with the first Daily Draw taking place on 14/10/25 and the last Daily Draw taking place on 20/10/25. Entries in each Daily Draw will NOT be entered into any subsequent Daily Draw/s, however, all entrants from South Australia who meet the entry requirements for any Daily Draw leading up to Daily Draw 5 (but do not actively enter Daily Draw 5) will automatically receive one (1) entry into Daily Draw 5 (in order to comply with applicable regulatory requirements in South Australia). For the sake of clarity, entrants from South Australia are only eligible for one (1) entry into Daily Draw 5 in total, regardless of how that entry is achieved.
• Prizes will be allocated in each Daily Prize Draw as outlined below (with prizes drawn in descending order of value where applicable).
• The draw conductor may select additional reserve entries in case an invalid entry or entrant is drawn.
• If a draw is scheduled on the weekend or a public holiday, the draw will be conducted at the same time and location on the following business day. The Promoter will ensure each draw is open for public scrutiny and anyone may witness the draw on request. The winner of a drawn prize is determined by chance.

Total Prize

AU$100,000.00

Prize Details

Winner Notification

The winners will be contacted via the Up App within one (1) day of each corresponding draw.

Unclaimed Prizes

Prize(s) must be claimed by 8:59 am AEDT on 21/11/25. In the event of any unclaimed prize(s), an unclaimed prize draw will take place at the same time and place as the original draws on 21/11/25. The winner(s) of the unclaimed prize draw will be contacted via the Up App within one (1) day of the draw. The draw conductor may select additional reserve entries in case an invalid entry or entrant is drawn.

If there are no prize winner(s) or winner(s) for this Promotion cannot be found, this information will be published at https://up.com.au/.

Further Terms and Conditions

1. The entrant agrees and acknowledges that they have read these Conditions of Entry (and the Schedule) and that entry into the Promotion is deemed to be acceptance of these Conditions of Entry (and the Schedule). Any capitalised terms used in these Conditions of Entry have the meaning given in the Schedule, unless stated otherwise.
2. The Promotion commences on the Start Date and ends on the End Date ("Promotional Period"). Where applicable, entries are deemed to be received at the time of receipt by the Promoter and not at the time of transmission or deposit by the entrant. Records of the Promoter and its agencies are final and conclusive as to the time of receipt.
3. Valid and eligible entries will be accepted during the Promotional Period.
4. Employees of the agencies/companies directly associated with the determination of winners in this Promotion (including the Promoter) are not eligible to enter.
5. If a prize is won by a person under the age of 18, the prize may be awarded to the winner's parent or guardian and where applicable to the prize a nominated parent/guardian must accompany any person under 18 years of age.
6. All reasonable attempts will be made to contact each winner.
7. If any winner chooses not to take their prize (or is unable to), or does not take or claim a prize within a reasonable time, as specified by the Promoter, they will forfeit the prize and the Promoter is not obliged to offer a substitute prize.
8. No part of a prize is exchangeable, redeemable for cash or any other prize or transferable, unless otherwise specified in writing by the Promoter.
9. If a prize (or portion of a prize) is unavailable the Promoter reserves the right to substitute the prize (or that portion of the prize) to a prize of equal or greater value and specification, subject to any written directions of a regulatory authority.
10. No entry fee is charged by the Promoter to enter the Promotion. Where entry is allowed online, there is no additional cost to enter the Promotion other than any cost paid by the entrant to access the website or social media platform of entry via their Internet service provider.
11. Each prize will be awarded to the person named in the entry and any entry that is made on behalf of an entrant or by a third party will be invalid. If there is a dispute as to the identity of an entrant or winner, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant or winner.
12. Entrants' personal information will be collected by the Promoter directly or through the Promoter’s agents or contractors. Personal information will be stored on the Promoter's database. By entering, entrants consent to the Promoter using this information for future marketing purposes regarding its products, including contacting entrants electronically. The Promoter collects personal information about entrants to run this Promotion and may disclose entrants' personal information to its related entities and to third parties including its contractors and agents, prize suppliers and service providers to assist in conducting this Promotion. This may include disclosures to organisations outside Australia including in places such as the Philippines. The Promoter may also disclose entrants’ personal information to the State and Territory lottery departments as required under the relevant lottery legislation. By entering, entrants consent to receive email or SMS messages from the Promoter without any functional unsubscribe facility if they relate primarily to the conduct of this Promotion. If the entrant does not provide their personal information as requested, they may be ineligible to enter or claim a prize in the Promotion. The Promoter’s Privacy Policy (see https://up.com.au/privacy) includes information about: (a) how an entrant can seek access to the personal information the Promoter holds about them and seek correction of the information; and (b) how to complain about a privacy breach and how the Promoter will deal with such a complaint.
13. For the purposes of public statements and advertisements, the Promoter may only publish the winner's surname, initial and postcode of residence.
14. The Promoter reserves the right to refuse to allow a winner to take part in any or all aspects of a prize, if the Promoter determines in its absolute discretion, that a winner is not in the physical or mental condition necessary to be able to safely participate in or accept the prize.
15. If a prize is provided to the Promoter by a third party, the prize is subject to the terms and conditions of the third party prize supplier. The terms and conditions which apply to the prize at the time it is issued to the winner will prevail over these Conditions of Entry in the event of any inconsistency. To the extent permitted by law the Promoter accepts no responsibility or liability for any delay or failure by the third party to deliver the prize, any delay or failure relating to the prize itself or failure by the third party to meet any of its obligations in these Conditions of Entry or otherwise.
16. Any guarantee or warranty given is in addition to any relevant statutory guarantees and warranties and nothing in these Conditions of Entry restricts, excludes or modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
17. If for any reason any aspect of this Promotion is not capable of running as planned, including by reason of computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of the Promoter, the Promoter may, in its sole discretion, cancel, terminate, modify or suspend the Promotion and invalidate any affected entries, or suspend or modify a prize, subject to State or Territory regulation.
18. The Promoter reserves the right, at any time, to validate and check the authenticity of entries and entrant's details (including an entrant's identity, age and place of residence). If a winner cannot provide suitable proof as required by the Promoter to validate their entry, the winner will forfeit the prize in whole and no substitute will be offered. Incomplete, indecipherable, inaudible, incorrect and illegible entries, as applicable, will at the Promoter's discretion be deemed invalid and not eligible to win. Entries containing offensive or defamatory comments, or which breach any law or infringe any third party rights, including intellectual property rights, are not eligible to win. The use of any automated entry software or any other mechanical or electronic means that allows an individual to automatically enter repeatedly is prohibited and may render all entries submitted by that individual invalid.
19. The Promoter reserves the right to disqualify entries in the event of non-compliance with these Conditions of Entry. If there is a dispute concerning the conduct of the Promotion or claiming a prize, the Promoter will resolve the dispute in direct consultation with the entrant. If the dispute cannot be resolved the Promoter’s decision, acting reasonably, will be final.
20. The Promoter and its associated agencies and companies will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person's negligence or willful misconduct) in connection with this Promotion or accepting or using any prize (or recommendation). For the sake of clarity, this clause shall not apply where the Promoter has contributed to or caused such loss, expense, damage, personal injury or death and shall not apply to any liability which cannot be excluded by law (in each case the Promoter’s liability is limited to the minimum allowable by law).
21. The winner(s) will participate in and co-operate as required with all reasonable marketing and editorial activities relating to the Promotion, including (but not limited to) being recorded, photographed, filmed or interviewed and acknowledges that the Promoter may use any such marketing and editorial material without further reference or compensation to them.
22. The Promoter accepts no responsibility for any tax implications and the entrant must seek their own independent financial advice in regards to the tax implications relating to the prize or acceptance of the prize.
23. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.
24. Authorised under: ACT Permit No. 25/02360, NSW Authority No. TP/02798 and SA Permit No. T25/1801

Last updated 6 October 2025