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Earn up to $10 per invite.

Note: these terms were archived on 1 April 2021.

It Pays To Be A Great Mate!

You can earn up to $10 for every mate you invite to Up. It’s never been a better time to help your mates master their money, smash their savings goals and simplify their lives by bringing them over to the Upside.

Once you’ve qualified (see how below) you can send invites to your friends' mobiles or fire up your very own shareable Hook Up a Mate page.

After they successfully sign up, you’ll each get $5, and, if they make 5 purchases using their Up card or digital wallet in their first 30 days, you'll both receive another $5.

Invites will expire automatically if the invitee has not become an Up customer (having passed KYC and ID verification requirements) after 14 days.

See the full T&Cs below.

To Be Able To Send Hook Up A Mate Invites You Need To:

  • Download the latest version of the app. You can get the Up app in either the Google Play or the Apple App Store.
  • Verify your email address. If you can't find it, you can resend your verification email from the Hook Up a Mate screen.
  • Make a purchase. Using Apple Pay, Google Pay, or your Up card.
  • That's it. You should be able to invite friends now.

Enabling Your Shareable Hook Up A Mate Page:

Shareable Hook Up a Mate uses your Upname to create a custom link with magical properties that rewards you for sharing. It will look a bit like this:

To enable shareable Hook Up a Mate page, you’ll need to have set up your Upname and have qualified for Hook Up a Mate. Opt-in by heading to the Hook Up a Mate screen in the app and following the instructions to enable it.

Be aware 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.

More Questions?

  • If you click into the Hook Up a Mate screen you will be able to see what needs to be done to get invites. It will also update as you complete the criteria, so you’ll always know how close you are.

    Once you’ve completed all requirements you will be sent a notification to tell you that you can now send invites.

  • 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.

  • Your first bonus will be paid out as soon as your mate completes their sign up and has an Up account. You will receive a second bonus payment if they make 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 and have signed up using the phone number invited. 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. We will also send you a notification when they do. 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.

  • The additional $5 bonus payment is only made if your mate makes 5 purchases in their first 30 days as an Up customer. This only applies to invites accepted after 5pm, 12 December 2019. Invites acccepted before this time are not eligible for this additonal payment.

  • This was only for the month of February (2021). Keep your eyes peeled on our socials and in our newsletter for when we next may be increasing the amount.

Conditions Of Use

Invites will 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 needs to be provided through the Up app and the invite text must explicitly state the bonus amount in Australian dollars. If your email, SMS or other notification does not clearly state the bonus amount, you are not eligible for any bonus. Hook Up a Mate is designed so that Upsiders can spread the word about Up in the spirit of genuine advocacy and referral.

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 12am AEDT 1 March, 2021.

    An additional $5 bonus payment may also be paid if the person invited makes 5 purchases using their Up card or digital wallet in their first 30 days as an Up customer.

  • A $5 bonus payment will be paid to the invitee when they join Up and become a customer (by passing KYC) from 12am AEDT 1 March, 2021.

    An additional $5 bonus payment may be paid if the invitee makes 5 purchases in their first 30 days as an Up customer.

  • 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.

  • The hoodie promo is now complete and the 5 winners will be contacted directly.


    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: 1 February 2021, 12pm AEDT End date: 28 February 2021, 11:59pm AEDT

    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 9am AEDT, 1st of March 2021. The 5 winners with the most accepted invites during February 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 hoodie.

    Total prize pool

    5 x ‘Zap patch’ black Up hoodies (valued at $70 each) Total prize pool value $350.

    Unclaimed Prizes

    Winners must provide their addresses for delivery of prizes by the 14th March 2020, 5pm AEDT. Otherwise, they will be redrawn on the 15th March 2020.

Last modified 1 March, 2021