Up is a digital bank designed to help you organise your money and simplify your life.
Sign Up In Minutes. No Monthly Fees. Get Google Pay™ and Samsung Pay™ instantly.

Get locally‑based support, 7 days a week using Talk to Us in-app.

Next Gen security features and the safety of accounts backed by Bendigo Bank.

Smash your savings goals:

* Create and customise multiple Savers for your life goals instantly.
* Earn interest across all your Savers
* Round-up your spare change with every purchase. Boost your Round-ups to supercharge your savings.
* We’ve got you covered. Split your pay into any of your Savers automatically on pay day.
* Use Covers and Forwards to stick to a budget and save every last cent

Get on top of your spending:

* See where every dollar goes with auto-spend categorisation.
* Get monthly, weekly, and daily insights into your spending habits.
* See all your upcoming bills at a glance. Avoid late fees. You’re on it.
* Automatically track everything you spend at specific brands and shops.
* Always know your balance with instant notifications.

Pay mates & kill bills:

* Stand out from the crowd and get paid to your personalised $Upname.
* Pay easy. Pay instantly. Osko® support built‑in.
* Life is a conversation. Up organises your payments in a messenger‑like thread.
* Move it through time. Schedule and repeat your payments down to the minute.
* Prefer BPAY® to pay bills? We’ve got that too.

Bank overseas, without the fees:


* No fees on international purchases online or in‑person.
* Get the actual Mastercard® exchange rate, with no added conversion or mark‑up fees.
* No fees from Up when you use ATMs overseas.
* Keep it safe. Lock down your card with in-app card controls.
* Instantly see the cost of purchases in both Australian dollars and foreign currencies.
* Make International Money Transfers with Wise®.

Bank smarter, not harder:

* Get instant Google Pay™ and Samsung Pay™ as well as support for Garmin Pay™ and Fitbit Pay™

Getting better every day:

* Up is always on the move. We’re in the business of shipping software updates ...often.
* Built from the ground up by a team of hardcore tech heads, so we can roll out changes quicker and cleaner than most banks. When we’re fast, you’re fast.
* Teamwork makes the dream work. Use Talk to Us in app to tell us the ultimate wish‑list you want from Up. We’re all ears, all the time.

T&Cs @ up.com.au/terms. International money transfers performed by Wise. Bendigo and Adelaide Bank Limited is the issuer of all Up branded banking and financial products provided through Up apps. Any advice provided 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.