Get your money moving
See your money more clearly
With us you’ll get
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, and Garmin Pay.
We don’t charge 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 4.85% 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 4.40% 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 5.64% p.a. | 5.66% 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
