See your money more clearly

With us you’ll get

  • Three accounts

    A Spend, Bills, and Save account.

  • Savings target
    Our feature packed app

    Easily budget, hit savings goals, and plan for expenses.

  • A future for your money

    Get more visibility of your financial picture and feel good for the future.

Spend account

Spend with confidence

  • Set up your Pay Cycle and connect your accounts from over 140 financial institutions to see what you can spend.

  • Retrace your spending steps into categories with Spending Footprint.

  • Start tapping straightaway with Apple Pay, Google Pay™, Samsung Pay, Fitbit Pay, and Garmin Pay.

  • No monthly or international fees on any of your transactions.

Bills account

Make bills more chill

  • Stash some cash to cover your bills and get a digital card to set up regular payments.

  • Start tracking with Bill Planner to see what bills are coming up and how much money you should put aside.

  • Can be used as an offset account on a ubank home loan.

Save account

Save easily

  • Get our bonus interest rate of up to 5.50% p.a. on combined savings of up to $100K per customer. Just deposit $500+ per month (not including internal transfers) into any of your Spend, Bills, or Save accounts. Get up to 5.00% p.a. on combined savings over $100k to $250K. See more on our bonus interest tiers.

  • Set up savings targets for your Save accounts and automatic transfers to hit goals and save like a machine.

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

Home loans

Buy a home

  • Variable rates from 6.09% p.a. | 6.11% p.a. comparison rate1, for Neat owner occupied, principal and interest loans up to 60% LVR.

  • Get the option of 100% interest offset with multiple ubank accounts on our Flex Variable loan, to help pay off your loan faster.

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

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

Why ubank

We’ll help you build momentum with money

  • No fees icon
    Forget fees

    No monthly fees on any of your Spend, Bills or Save accounts

  • Government Guarantee

    Deposits guaranteed up to $250k per customer2

  • Bank your way

    Clearly see your money and spending in one app

  • Talk with a real person

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