Up Hook Up a Mate logo sprite
Season 5 kicks off from 3:30pm Tuesday 4 May 2021.

Be a Great Mate

Getting your mates on Up makes it easier than ever to send and request money from them! Make IOUs a thing of the past with Pay Requests. Forget about BSBs and account numbers with $Upname's.

Even better (or best?) when your mates join, they'll get all the benefits of being an Upsider. You're giving them tools they can use to help them master their money, smash their savings goals and simplify their lives.

To top it off, when you invite a mate, you'll get $5 when they become an Upsider.

See the full T&Cs below.

Unlock SMS Invites

  • Download the latest version of the app.
  • Verify your email address. You can resend your verification email from the Hook Up a Mate screen.
  • Make a purchase using a digital wallet or your Up card.
  • That's it. You should be able to invite friends now by hitting the big orange bar.

Activate Your Personalised Sharing Page

As well as inviting your mates by SMS, you can turn on your personalised Shareable Hook Up a Mate page and get custom link you can share on Social and Group Chats. It'll look a bit like this:


Once you've set up your Upname and qualified for Hook Up a Mate head to the Hook Up a Mate screen in-app and following the instructions to enable it.

Heads up that by enabling your Shareable Hook Up a Mate page, your Upname and profile photo will be shared. If you’d rather keep that information private, you’re better off sticking with sending your mates an SMS.

If you do opt-in and later change your mind you can opt back out at any time (tap the three dots on the Hook Up a Mate screen in the app) and your shareable page will be deactivated.

Hook Up Some Merch

Be a walking beacon of love for Up. The top 20 inviters in May (based on number of invites accepted), will get a limited edition Hook Up a Mate long sleeve tee. Use the dedicated panel to scribble your $Upname, and mates can zap the QR code to join on the spot.

See the full T&Cs below.

Hook Up a Mate Tee

Conditions Of Use

Hook Up a Mate is designed so that Upsiders can spread the word about Up in the spirit of genuine advocacy and referral.

Invites expire automatically if the invitee has not become an Up customer (having passed ‘KYC’ and ID verification requirements) after 14 days. To receive the sign-on bonus, the invite code needs to be provided through the Up app.

We may at our absolute discretion cancel a “Hook Up a Mate” payment without notice to you. Without limiting the circumstances in which we may do so, we may cancel this feature under the following circumstances:

  • We believe you are acting in a fraudulent, deceptive or misleading way.
  • Your conduct is in breach of the terms and conditions.
  • We close your account.
  • We believe the security or quality of the Up app or related services is threatened.
  • You have unpaid fees or charges, or direct deposit dishonours on your account.
  • You are sending an excessive number of unsolicited invites.
  • Staff members of Bendigo and Adelaide Bank (or Subsidiary) or Ferocia Pty Ltd are not eligible to receive payments under the Hook up a Mate program.
  • To enable the sending of invites you must be an active Up customer with a verified email address and have made one or more purchases with Up. You will receive a notification once you qualify.

    To enable your shareable Hook Up a Mate page, you’ll need to also have set up your Upname and have opted to share your profile picture, Upname and the length of time you’ve been an Upsider.

    A $5 bonus payment will be paid to the inviter when the person they invite joins Up and becomes a customer from 3:30pm AEST 4 May, 2021.

  • A $5 bonus payment will be paid to invitees when they join Up and become a customer (by passing KYC) from 3:30pm AEST 4 May, 2021.

  • If you have signed up using an invite code or sharing link (which may resolve to an invite code), you will be told what that code or link entitles you to before completion of sign up. Please note that due to caching on some social media sites, artwork shown may show a higher value than the amount eligible.

    Bonus payments associated with invite codes or links will only be paid on successful sign-up and creation of your account and satisfaction of any qualifying criteria.

    Invite codes may be cancelled at any time after they are issued.

  • Promoter

    Up Money Pty Ltd ACN 624 373 084 ("Up") - (subsidiary of Bendigo and Adelaide Bank Pty Ltd ABN 11 068 049 178), The Bendigo Centre - 22 Bath Lane, Bendigo, VIC 3550, Australia. Ph: 1300 236 344

    Promotional period

    Start date: 4 May 2021, 3:30pm AEST
    End date: 31 May 2021, 11:59pm AEST

    Eligible entrants

    Entry is only open to Australian residents who are 16 years and over, have an Up Everyday Debit Card Account and have registered access to the ‘Up’ banking App on their compatible device. They must also have qualified to use Hook Up a Mate.

    Entrants under the age of 18 must have parent or legal guardians approval to enter.

    Employees (and the immediate family members) of agencies/companies directly associated with the conduct of this Promotion, the Promoter, its distributors, suppliers, subsidiary companies/businesses and associated companies and agencies are not eligible to enter. "Immediate family member" means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.

    Entry to the giveaway warrants that the competitor meets the eligibility requirements and accepts these terms and conditions.

    How to enter

    Invite your friends to join Up, via the Hook Up A Mate mechanism in the Up app. Invitee(s) must join Up and remain a customer at the draw date for the entry to be counted towards your overall tally.

    Entries permitted

    You are automatically counted towards your tally when your mates accept invites. You may invite as many mates as you wish, but not more than 1 prize will be awarded per customer.

    Winning method and notification

    Final invitee accepts will be counted by Up staff at 10am AEST, 1st of June 2021. The 20 winners with the most accepted invites during May will be chosen, then contacted via the ‘Talk to us’ section in the Up app.

    Delivery of prizes

    Winning entrants will be notified of their win, and asked to provide a mailing address within Australia, plus size preference, for delivery of their long sleeved tee.

    Total prize pool

    20 x HUAM long sleeve tees (valued at $49.95 each) Total prize pool value $999.

    Unclaimed Prizes

    Winners must provide their addresses for delivery of prizes by 30 June 2021, 5pm AEST. Otherwise, the prize will be given to next winner by 1 July 2021.

More Questions?

  • When you unlock Hook Up a Mate you’re awarded a number of invites. To get more, you’ll need the people you invite to accept those invites. Invites do expire after a period of time though, but the best way to get more invites is to make sure you’ve explained why you love Up to your friends before you send invites to them.

  • You will receive a payment if your mate makes 5 purchases in their first 30 days as an Up customer.

  • Most of the time this means that you didn’t sign up using the phone number your friend invited. Unfortunately, we can only provide the bonus to customers who have been invited via this system, have signed up using the phone number invited, and have made the necessary 5 purchases in 30 days. You will however, be able to send invites yourself once you qualify and you will be eligible for any bonuses linked to invites you send.

  • In the Hook Up a Mate screen you will see which mates have signed up. You will only be eligible for the bonus once your friends have fully completed their sign up, and have made the necessary 5 purchases in 30 days. Your friends will need to ensure they are signing up with the same phone number that you referred. If they sign up with a different phone number, neither of you will be eligible for the bonus.

  • This was for a prior season of Hook Up a Mate. We're constantly tweaking how Hook Up a Mate works, so keep your eyes peeled on our socials and in our newsletter for when we next may be making any changes.

Last modified 3 May 2021