Easy Saving

Stack up your savings without lifting a finger. Round Ups stash your spare change, Multiple Savers keep your goals on track, Pay Splitting divides your pay instantly, and Auto Transfers make it all automatic. Effortless saving that just flows—one step closer to your next big thing.

Create and manage Essentials.

Create and manage

Essentials

Make bills background noise with Essentials. Add your regular expenses and Essentials works out how much to set aside from every pay, keeping your bills separate from the money you’re trying to save. Everything’s covered automatically, so you can keep moving towards your goals.

Earn interest with grow and flow.

Earn Interest With

Grow & Flow

Grow & Flow nurtures your long‑term savings goals while giving your everyday spending the freedom to move—and still earn interest along the way. The current Grow Rate is x.xx% p.a., with the Flow Rate at x.xx% p.a.

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Round Ups make your spare change work harder.

Turn On

Round Ups

Round Ups make your spare change work harder. Every time you make a purchase, we round up to the next dollar and drop those extra cents into your chosen Saver. Spend and save, it’s just that easy.

Crush your goals by creating up to 50 Savers.

Create And Organise

Multiple Savers

Crush your goals by creating up to 50 Savers. Name them, add emojis, lock and hide them, and upgrade them with our automated saving features. Add Round Ups, Pay Splitting, and the Save Up 1000 Challenge to your arsenal, and you’ll hit your targets in no time.

Automatically direct your pay to your chosen Savers with Pay Splitting.

Set Up

Pay Splitting

Automatically direct your pay to your chosen Savers with Pay Splitting. Adjust your splits to match your needs, and as soon as your pay lands, your money will be automatically sent to your Savers of choice. Whether you're saving for a dream trip, a new car, or something else, Pay Splitting ensures you're always moving towards your goals.

Set up Auto Transfers to or from your Savers and let your cash flow without a hitch.

Create And Manage

Auto Transfers

Set up Auto Transfers to or from your Savers and let your cash flow without a hitch. Whether it’s weekly, fortnightly, or monthly, Auto Transfers are the easiest way to keep your money moving automatically.

Create and manage Maybuys.

Create And Manage

Maybuy

Buy things you actually love, with money you actually have. Maybuy is a smarter alternative to “buy now, pay later,” helping curb impulse purchases by letting you save in instalments without the commitment. Once you’ve saved, you can choose to buy or pocket the money you’ve saved. Save now. Maybuy later.

Easy Spending

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Life’s better on the Upside

Up acknowledges the Wurundjeri Woi-wurrung and Bunurong Boon Wurrung people of the Eastern Kulin Nation as the traditional custodians of the land where we build and create. We recognise their deep creative connection to Country, and want to continue this notion of play and knowledge sharing. Aboriginal and Torres Strait Islander sovereignty was never ceded, this continent always was and always will be Aboriginal land.

We support The GO Foundation

Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.