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Life’s better on the Upside
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Target Market Determinations

To ensure you're ending up with financial products designed for your needs, we've put together some Target Market Determinations (TMDs) in accordance with the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act (Cth) 2019.

TMDs explain:

  • the people this product was designed for,
  • our obligations around distributing the product,
  • when this TMD will be reviewed, and
  • recording keeping and reporting obligations.

TMDs are not intended to provide financial advice. When making a decision about a product always make sure you refer to the Terms and Conditions and any supplementary document(s). These will outline the relevant terms and conditions being provided under that product.

Here you can find TMDs for:

If you choose to use join Wise using the integration in the Up app, you will also need to be aware of the Wise Target Market Determination issued by Wise Australia Pty Ltd.

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.