Money’s Better With Mates
Get your mates on Up and make shared money moments effortless. No IOUs, no remembering account details, just send, request and split in seconds.
Send an invite and when they join, they’ll instantly get access to all the tools they need to take control of their money and keep things simple.
You’ll both score $15 when they join, and your bonus grows by $1 each year you stay an Upsider (up to $25).
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 your digital Zap or Up card.
- That's it. You’re ready to hook your mates up.
Activate Your Personalised Sharing Page
Alongside SMS invites, you can turn on your shareable Hook Up a Mate page; a custom URL to share on socials or in group chats.
To enable it, create an Upname, qualify for Hook Up a Mate, then head to the Hook Up a Mate screen and tap your profile icon.
Heads up: this shares your Upname and profile photo. If you want to keep those private, stick with SMS invites in-app. You can switch it off anytime from the Hook Up a Mate screen in-app.
Hooking Up Gets Better With Age
Like a fine wine, your bonus gets better with age. Start at $15 and earn an extra $1 each year you stick around (up to $25). You can check your bonus anytime on the Hook Up a Mate page in-app.
Conditions Of Use
Hook Up a Mate is designed so that Upsiders can spread the word about Up (ABN 11 068 049 178) in the spirit of genuine advocacy and referral. It’s not for spamming strangers, mass-sharing invite codes, or using Up as a side hustle—it’s for sharing with people you genuinely know: mates, family, and close connections.
Invites expire automatically if the invitee hasn’t signed up and passed ID verification (KYC) within 14 days. To receive the sign-up bonus, the invite code must be used via the Up app.
We may at our absolute discretion cancel a “Hook Up a Mate” payment without notice. This may include (but is not limited to) 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 services is at risk.
- You have unpaid fees or charges, or direct deposit dishonours on your account.
- You’re sending excessive or unsolicited invites.
- You’re referring people you don’t personally know or have no real relationship with.
Conditions for inviters
To send invites, you must be an active Up customer with a verified email address and at least one completed purchase using your Up account. 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 one-off bonus payment will be made when someone you invite joins Up and becomes a customer within 14 days of receiving the invitation. In your first year as an Upsider, the standard bonus is $15 AUD. After one year, it increases to $16; after two years, $17; and so on—increasing by $1 each year, up to a maximum of $25. We’ll let you know in-app when you hit these milestones.
Hook Up a Mate is for sharing with people you know personally—mates, family, and close connections. Mass-sending your invite link to strangers or posting it publicly may result in the cancellation of your bonus.
Conditions for invitees
A once off bonus payment will also be paid to invitees when they join Up and become a customer (by passing KYC) from 12:00pm AEDT 3 April 2024. In the inviter’s first year as an Upsider the standard value of this bonus payment for each invitee is $15. After 1 year as an Upsider that becomes $16 for the invitee, after 2 years it becomes $17, and so on each year that passes up to a maximum cap of $25. We’ll let you know when you hit these milestones in‑app.
Conditions for invite codes
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 new Up account and satisfaction of any qualifying criteria.
Invite codes may be cancelled at any time after they are issued. This offer only applies to individuals opening a new Up Everyday Account.
FAQs
I don’t have any more invites. How can I get more?
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.
When do I get my bonus?
You will receive a payment once your friend has fully completed their sign up.
I was invited but I didn’t get a bonus?
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. 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.
I haven’t received a bonus from a friend who signed up
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. 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.
Why do some Upsiders have a higher referral bonus than me?
Your referral bonus amount is tied to your Upsider age (i.e. tenure as a customer). If you’ve been an Up customer for less than 1 year it’ll be at the base value of $15. After that, it increases each year in value (for both the inviter and invitee) by an additional $1 up to a maximum cap of $25.
Why has my referral bonus suddenly gone up?
From time to time this may temporarily increase as part of a particular promotion. Keep your eyes on our newsletter and socials for when these promotions may start and finish, or you can check in-app on the Hook Up a 'Mate screen.
Last updated 27 April 2026