Pricing
Easy to try, no monthly fees, and smart features that help you save effortlessly and spend wisely.
Travel Easy
Bank overseas like you’re at home with no Up international fees—online or in-store.
Learn more →Grow & Flow
Fast-track your savings goals while keeping your spending flexible—and earning interest along the way.
Learn more →Up Home
Choose a variable rate that moves with the market or a fixed rate for peace of mind, both with no hidden costs.
Learn more →Travel Easy
Bank overseas like you’re at home with no Up international fees—online or in-store.
Learn more →Grow & Flow
Fast-track your savings goals while keeping your spending flexible—and earning interest along the way.
Learn more →Up Home
Choose a variable rate that moves with the market or a fixed rate for peace of mind, both with no hidden costs.
Learn more →Up Fees, Rates and Charges
Everyday and 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. |
| Up Debit Card | Free |
| 2Up Digital Debit Card | Free |
| 2Up Plastic Debit Card | $10.00 |
Up Savers and 2Up Savers
Your Up & 2Up accounts are free for most standard uses. Interest is charged in the event your Up or 2Up account becomes overdrawn.
Essentials and 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.
Further Information
Backed and Guaranteed
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).
Fees and Charges
Section M of the Personal Accounts Terms & Conditions (we recommend you read these) contains a complete listing of our fees and charges. Above is the information relevant to most people, most of the time.