About this document Product Terms

Current and historical versions of the About this document section of the Up Personal Accounts Terms & Conditions.

Published Friday, 9 May 2025

This is an important document. It sets out the terms, conditions, fees and charges applicable to the following accounts and payment facilities provided to you through the Up app:

Personal Accounts

  • Up Everyday Account
  • Up Saver Account
  • Up Essentials Saver Account

Payment Facilities

  • Up app, to the extent that it facilitates payments (including by our Pay Anyone Service and BPAY®)
  • Debit Mastercard linked to an Up Everyday Account
  • Debit Mastercard linked to an Up Essentials Saver Account
  • Automatic payments (direct debits)

You should read this document carefully before acquiring any of the products to which this document applies. This document must be read in conjunction with the pricing page on the Up website - https://up.com.au/pricing/. Together they form the Up Personal Accounts Terms and Conditions.

We are committed to improved support for financially vulnerable customers, staff, suppliers, and our wider community. We recognise financial abuse can happen to anyone and may also include forms of family and domestic violence or elder abuse.

Our products and services must not be used to engage in financial or other abuse.

Examples of this conduct include, but are not limited to:

  • making defamatory, harassing or discriminatory comments to any person, including through any relevant messaging functionality or any payment descriptions or references;
  • using or encouraging threatening or abusive language;
  • engaging in coercive or controlling behaviour, eg to restrict a person's account access or use of funds; or
  • promoting or encouraging physical or mental harm to any person.

We may take steps to investigate circumstances where we reasonably believe any product or service is being used in this way.

We can take action, for example to close, stop, suspend, or deny access or use of our products or services, or to block or decline payments or payment methods, if we reasonably consider it necessary to protect you or another person from financial or other abuse. This is in addition to any other rights we may have under these terms. You should be aware that we may not be able to provide you prior notice before taking such action.

Published Thursday, 10 April 2025

This is an important document. It sets out the terms, conditions, fees and charges applicable to the following accounts and payment facilities provided to you through the Up app:

Personal Accounts

  • Up Everyday Account
  • Up Saver Account
  • Up Essentials Saver Account

Payment Facilities

  • Up app, to the extent that it facilitates payments (including by our Pay Anyone Service and BPAY®)
  • Debit Mastercard linked to an Up Everyday Account
  • Debit Mastercard linked to an Up Essentials Saver Account
  • Automatic payments (direct debits)

You should read this document carefully before acquiring any of the products to which this document applies. This document must be read in conjunction with the pricing page on the Up website - https://up.com.au/pricing/. Together they form the Up Personal Accounts Terms and Conditions.

We are committed to improved support for financially vulnerable customers, staff, suppliers, and our wider community. We recognise financial abuse can happen to anyone and may also include forms of family and domestic violence or elder abuse.

Our products and services must not be used to engage in financial or other abuse.

Examples of this conduct include, but are not limited to:

  • making defamatory, harassing or discriminatory comments to any person, including through payment descriptions or references;
  • using or encouraging threatening or abusive language;
  • engaging in coercive or controlling behaviour, eg to restrict a person's account access or use of funds; or
  • promoting or encouraging physical or mental harm to any person.

We may take steps to investigate circumstances where we reasonably believe any product or service is being used in this way.

We can take action, for example to close, stop, suspend, or deny access or use of our products or services, or to block or decline payments or payment methods, if we reasonably consider it necessary to protect you or another person from financial or other abuse. This is in addition to any other rights we may have under these terms. You should be aware that we may not be able to provide you prior notice before taking such action.

Published Thursday, 5 December 2024

This is an important document. It sets out the terms, conditions, fees and charges applicable to the following accounts and payment facilities provided to you through the Up app:

Personal Accounts

  • Up Everyday Account
  • Up Saver Account

Payment Facilities

  • Up app, to the extent that it facilitates payments (including by our Pay Anyone Service and BPAY®)
  • Debit Mastercard linked to an Up Everyday Account
  • Automatic payments (direct debits)

You should read this document carefully before acquiring any of the products to which this document applies. This document must be read in conjunction with the pricing page on the Up website - https://up.com.au/pricing/. Together they form the Up Personal Accounts Terms and Conditions.

We are committed to improved support for financially vulnerable customers, staff, suppliers, and our wider community. We recognise financial abuse can happen to anyone and may also include forms of family and domestic violence or elder abuse.

Our products and services must not be used to engage in financial or other abuse.

Examples of this conduct include, but are not limited to:

  • making defamatory, harassing or discriminatory comments to any person, including through payment descriptions or references;
  • using or encouraging threatening or abusive language;
  • engaging in coercive or controlling behaviour, eg to restrict a person's account access or use of funds; or
  • promoting or encouraging physical or mental harm to any person.

We may take steps to investigate circumstances where we reasonably believe any product or service is being used in this way.

We can take action, for example to close, stop, suspend, or deny access or use of our products or services, or to block or decline payments or payment methods, if we reasonably consider it necessary to protect you or another person from financial or other abuse. This is in addition to any other rights we may have under these terms. You should be aware that we may not be able to provide you prior notice before taking such action.

Published Friday, 31 May 2019

This is an important document. It sets out the terms, conditions, fees and charges applicable to the following accounts and payment facilities provided to you through the Up app:

Personal Accounts

  • Up Everyday Account
  • Up Saver Account

Payment Facilities

  • Up app, to the extent that it facilitates payments (including by our Pay Anyone Service and BPAY®)
  • Debit Mastercard linked to an Up Everyday Account
  • Automatic payments (direct debits)

You should read this document carefully before acquiring any of the products to which this document applies. This document must be read in conjunction with the pricing page on the Up website - https://up.com.au/pricing/. Together they form the Up Personal Accounts Terms and Conditions.

Prior to June 2019, our Product Terms were available in PDF form.

Life’s better on the Upside

Up acknowledges the Wurundjeri Woi-wurrung and Bunurong Boon Wurrung people of the Eastern Kulin Nation as the traditional custodians of the land where we build and create. We recognise their deep creative connection to Country, and want to continue this notion of play and knowledge sharing. Aboriginal and Torres Strait Islander sovereignty was never ceded, this continent always was and always will be Aboriginal land.

We Pay The Rent

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.