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No monthly fees stickers

The best way to spend and save.

Easy to try, no monthly fees, and features that help you save effortlessly and spend wisely.

No overseas
purchase fees

No overseas fees online or in-store.

No monthly fees

Practically no fees at all, actually. Free for most standard use. Details below.

Multiple Savers

Instantly create multiple Savers within the Up app. It’s easy.

Backed & guaranteed

Backed by the best, starting with: Bendigo and Adelaide Bank for banking, Mastercard® for payments, and Google Cloud Platform for hosting.

Deposits provided through the Up apps are protected by the Financial Claims Scheme, up to $250,000 per person (in aggregate across all deposit products held with Bendigo and Adelaide Bank).

Up Fees, Rates & Charges

Section M of the Personal Accounts Terms & Conditions (we recommend you read these) contains a complete listing of our fees and charges. Below is the information relevant to most people, most of the time.

Up Everyday & 2Up Accounts

Your Up & 2Up accounts are free for most standard uses. Interest is charged in the event your Up or 2Up account becomes overdrawn.

Monthly service feeFree
Direct debitsFree & unlimited
Online paymentsFree & unlimited
Deposits to SaversFree & unlimited
Domestic ATM withdrawalsFree at most major Bank ATMs
Domestic ATM enquiryFree at most major Bank ATMs
International transaction fees0%
International ATM withdrawalFree at most major Bank ATMs
International ATM enquiryFree at most major Bank ATMs
Overdrawn interest rate11.23% p.a.
Up Debit CardFree
2Up Digital Debit CardFree
2Up Plastic Debit Card$10.00

Up Savers & 2Up Savers

Up Savers and 2Up Savers are free to use, and they pay % p.a. interest once qualified. You can transfer money to and from your Up Savers and your Everyday Account as much as you like. Rates effective from , and are subject to change.

Monthly service feeFree
Base interest rate% p.a.
Bonus interest rate

% p.a. calculated daily, paid monthly once qualified and applied from the start of the qualifying calendar month. Base interest rate is paid when unqualified.

Qualification criteria

To qualify for the bonus interest rate in a calendar month, make 5 successful purchases using your Up, 2Up, Essentials or 2Up Essentials debit card, Apple Pay™, Google Pay™ or other digital wallets in the same month. ATM transactions or transfers are not included. To qualify for the bonus interest rate in June, make 5 successful purchases using your Up, 2Up, Essentials or 2Up Essentials debit card, Apple Pay™, Google Pay™ or other digital wallets before 7pm AEST/ADST on the last day of June. You can’t qualify for the bonus interest rate after 7pm AEST/ADST on the last day of June.

Bonus interest rate capOnce qualified, the bonus interest rate is paid on the combined balance of Savers up to $1M in your Up Savers as well as $1M in your 2Up Savers.
Withdrawals from SaversFree & unlimited

Essentials & 2Up Essentials

Essentials is an account that earns the savings interest rate. It also has its own digital card to make direct debit and online payments from. It’s available as part of Up High Early Access, our new subscriber experience offering exclusive features and benefits.

Monthly service feeAccess to Essentials is through Up High Early Access which has a minimum one-off cost of $25.
Direct debitsFree & unlimited
International transaction fees0%
Overdrawn interest rate11.23% p.a.
Digital Debit CardFree
Savings interest rate% p.a. calculated daily, paid monthly from the start of the calendar month.
Savings interest rate capThe interest rate is paid on a balance up to $1M in your Essentials as well as $1M in your 2Up Essentials.

Up Home

Please visit the Up Home rates and fees page for more info about our home loans.