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    • Smash your savings goals
    • Get on top of your spending
    • Pay mates and kill bills
    • Bank overseas, without the fees
    • Bank smarter, not harder
    • Savers
    • Home Savers
    • Slices
    • Pay Day
    • Round Ups
    • Insights
    • Budget trackers
    • Upcoming Bills
    • Pay Splitting
    • Covers & Forwards
    • Zap & Up Cards
    • Save Up 1000
    • International Payments
  • 2Up
  • Pricing
  • Blog
  • Support
    • Tree of Up
    • About Up
    • Newsroom

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

Last updated 15 December, 2021. View Previous Version.

Section L 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 money

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 fee Free
Direct debits Free & unlimited
Online payments Free & unlimited
Deposits to Savers Free & unlimited
Domestic ATM withdrawals Free at most major Bank ATMs
Domestic ATM enquiry Free at most major Bank ATMs
International transaction fees 0%
International ATM withdrawal Free at most major Bank ATMs
International ATM enquiry Free at most major Bank ATMs
Overdrawn interest rate 11.23% p.a.
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Up Savers & 2Up Savers

Up Savers and 2Up Savers are free to use, and they pay 0.50% p.a. interest once activated. You can transfer money to and from your Up Savers and your Everyday Account as much as you like.

Monthly service fee Free
Interest rate

0.50% p.a. calculated daily, paid monthly once qualified and applied from the start of the qualifying calendar month. 0% interest is paid when unqualified. Rates effective from 15 December, 2021 and are subject to change.

Qualification criteria

Make 5 successful purchases using your Up or 2Up debit card, Apple Pay™, Google Pay™ or other digital wallets in a calendar month. ATM transactions or transfers are not included.

Interest cap Once qualified, interest 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 Savers Free & unlimited

Why Up?

  • Smash your savings goals
  • Get on top of your spending
  • Pay mates and kill bills
  • Bank overseas, without the fees
  • Bank smarter, not harder
  • Collect cash for a Christmas present
  • 2Up - 2 player banking

Features

  • Savers
  • Home Savers
  • Slices
  • Pay Day
  • Spending insights
  • Budget trackers
  • Upcoming bills
  • Round ups
  • Pay Splitting
  • Covers & Forwards
  • Zap & Up Cards
  • Save Up 1000
  • International payments

About Up

  • Pricing & fees
  • Our blog
  • The Tree of Up
  • Our team
  • Info for media
  • Up Time
  • Developer API
  • Careers

Terms & Info

  • Our terms & conditions
  • Privacy policy
  • Target Market Determinations
  • Trademark info
  • Resolve a complaint

Useful info

  • Support & FAQs
  • Recover Your Account
  • Security
  • Hook Up a Mate
  • She’s on the Money
  • UpSkill
  • Perk-up
>

Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879.
Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation.
Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.