Award-winning online bank

A great rate to help you get ahead with your money

Up to

5.10% p.a.

Variable interest rate on your Save accounts. Bonus interest criteria applies.

Spend straightaway

Spend account

Spending you can feel good about

  • We don’t charge any monthly fees on any Spend accounts, or on any international transactions.

  • It’s okay to see other banks – connect your accounts from over 180 financial institutions in one app.

  • Get automatic predictions of your regular payments, bills, and subscriptions from over 200 companies, and track your spending with Spending Footprint.

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

Save account

Save account

Become a more successful saver

  • Earn interest up to 5.10% 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 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 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 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 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