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 $Upnames and split bills faster with Slices.
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 $10 when they become an Upsider. Each year you remain an Upsider your referral bonus will grow in value by an additional $1 (up to a max of $15).
For a limited time get DOUBLE your bonus for you and your invitee after they make two purchases higher than $5 in their first two weeks. Offer only available to Upsiders who successfully joined (passed KYC) before 12pm AEDT, 15 December 2025. The standard bonus will be paid once the invitee has joined (passed KYC) and the second bonus to be paid after the qualifying transactions have been made. This promotion is currently set to end 23 January, 2026.
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:
https://hook.up.me/your_up_name
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 tap your profile icon in the bottom right of the screen 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 via the direct ‘Invite friends’ flow in‑app.
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.
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.
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 $10 AUD. After one year, it increases to $11; after two years, $12; and so on—increasing by $1 each year, up to a maximum of $15. 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.
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 $10. After 1 year as an Upsider that becomes $11 for the invitee, after 2 years it becomes $12, and so on each year that passes up to a maximum cap of $15. We’ll let you know when you hit these milestones in‑app.
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.
Hook Up a Mate Double Bonus Promotion
Promotion Period
This promotion runs from 15 December 2025 until 23 January 2026 unless extended (“the Promotion Period”).
How it works
During the Promotion Period, you and your invitee can get double your Hook Up a Mate bonus when they join Up through your Hook Up a Mate link, and the promotion criteria outlined in these terms are met.
Eligibility
- To be eligible for this promotion the inviter must be an existing Up customer (passed KYC) before 12pm AEDT 15th December 2025.
- The invitee must accept an invitation via the Hook Up a Mate invite code or sharing link during the Promotion Period.
Bonuses
- Once the invitee becomes an Up customer (has passed KYC) in accordance with the standard Hook Up a Mate Conditions of Use, you’ll both get the standard Hook Up a Mate bonus.
- In addition to the standard Hook Up a Mate bonus, if the invitee makes two purchases over $5 each within 14 days of becoming an Up customer, you'll both receive your standard bonus again, effectively doubling what you'd both normally earn. Purchases must be made using a physical or digital Up debit card linked to the invitees personal Up Account. Only settled card purchases are eligible (i.e. transactions that are no longer pending). The following are not eligible purchases: cash out, ATM withdrawals, cash advances, balance transfers, BPAY payments, Pay Anyone payments.
Other terms
- These terms operate in addition to the existing Hook Up a Mate Conditions of Use (including existing payment cancellation provisions), which still apply.
- Up may amend, suspend or terminate this promotion if necessary (for example, due to technical issues, fraud or other circumstances outside our control). Where practicable, we will give notice and any bonus amounts already earned will be honoured.
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 once your friend has fully completed their sign up.
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.
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.
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 $10. After that, it increases each year in value (for both the inviter and invitee) by an additional $1 up to a maximum cap of $15.
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.
Double Bonus Promotion
You’ll receive your standard bonus once your mate has joined Up and fully completed sign up. During the Double Bonus promotion, you’ll receive the second bonus once they make two settled purchases over $5 within 14 days of sign up.
For example, if your standard bonus is $10 and you’re eligible for the second bonus, you’ll receive an additional $10, totalling $20. If your standard bonus is $11, and you’re eligible for the second bonus, you’ll receive an additional $11, totalling $22 and so on, up to a standard bonus of $15, meaning you could earn up to $30 total during the Double Bonus promotion.
During the promotion period, you and your invitee get your standard bonus once they’ve successfully created an account. You’ll each get a second bonus equal to your standard bonus if your invitee makes two settled eligible card purchases over $5 within 14 days of joining.
Any two settled card purchases over $5 made with their Up card (physical or digital) made within 14 days of joining Up and within the promotional period. Cash out, ATM withdrawals, cash advances, balance transfers, BPAY payments and Pay Anyone payments do not count.
Yes. Each invite expires after 14 days if the invitee has not successfully created an account. The same applies for the second bonus, the settled eligible card purchases of over $5 must be made within 14 days of the invitee creating an account. The promotion ends on January 23, 2026.
Last updated 15 December 2025
