Get your money moving

Earn up to 2.85% p.a.

From 1 September 2022, we’ll be increasing our bonus interest rate to 2.75% p.a. for both our Save and USave accounts. Our base rate will remain at 0.10% p.a., meaning you’ll be able to earn interest up to 2.85% p.a. across all your eligible ubank accounts.

spend straightaway

Spend account

Spending you can feel good about

  • It’s okay to see other banks – connect your accounts from over 140 financial institutions to see them all in one app.

  • Take the guesswork out of spending with automatic predictions of your regular payments, bills and subscriptions from over 200 companies.

  • Spend your money your way, straightaway. Set up your digital wallet with Apple Pay, Google Pay™, Samsung Pay, Fitbit Pay and Garmin Pay.

  • Tired of wondering where your money went? Spending Footprint automatically sorts your transactions into categories for you.

Save account

Save account

Become a more successful saver

  • Earn interest up to 2.35% p.a. on a combined balance of up to $250K across all your Save accounts.

  • To earn bonus interest, you’ll just need to have a Spend account and deposit $200+ per month (not including internal transfers) into any of your Spend and Save accounts.

  • Set up a savings target for each of your Save accounts and get your savings on track.

  • We’ll send you friendly nudges to help you earn your bonus interest.

Home loans

Home loans

Choose a home loan to get on the financial fast track

  • Variable rates from 3.64% p.a. | 3.66% p.a. comparison rate¹, for owner occupied, principal and interest loans up to 60% LVR.

  • Get the option of 100% interest offset with multiple Spend and Save accounts and pay off your loan faster.

  • Budget with confidence by locking in a rate for up to 5 years with our Own fixed loan.

  • Skip the never-ending forms and sign up from home with our simple online application process.

Give us a go and score $20!

Get set up in 2 mins and use the referral code BONUS20 to get $20 after 3 card purchases in your first 30 days.
Available during offer period. Ts&Cs apply.

Download on the App StoreGet it on Google Play

Why ubank

We’ll help give you momentum with money

  • No fees icon
    Forget fees

    No monthly fees on any of your Spend or Save accounts

  • Government Guarantee

    Deposits guaranteed up to $250k per customer²

  • Bank your way

    Use our award-winning app or brand new online banking

  • Talk with a real person

    Get help from a friendly member of our Australian-based team