Why a ubank account

What's in it for you

  • No fees icon
    Forget fees

    No monthly fees or international card payment charges

  • Interest rate icon
    Great interest rates

    Earn interest up to 5.50% p.a. on up to 10 Save accounts

  • Coin jar
    No more split bills

    Shared accounts mean no more split bills or transfers

  • Bank your way

    Use our award-winning app or online banking

Our accounts

What makes our accounts different?

Get a Spend, Bills and Save account in just minutes and a Shared account in a couple of seconds.

Spend account

Spending to feel good about

  • Say goodbye to monthly account fees with our Spend account, as well as international card payment charges.

  • Spend before your physical card even arrives by setting up Apple Pay or Google Pay™.

  • Transfer in and out of your Spend account immediately via PayID and Osko (if the other bank has it).

Apple Pay
Google Pay
Samsung Pay
Fitbit Pay
Garmin Pay
Pay Id
Visa Debit
Pay To

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

Become a more successful saver

  • Earn bonus interest of up to 5.50% p.a. on combined savings up to $100K on up to 10 Save accounts. You’ll just need a Spend account and deposit $500+ per month into any of your ubank accounts (not including internal transfers). 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 friendly nudges to help you activate bonus interest each month.

Purple and Aqua Cards

Shared account

Mine. Yours. Ours.

  • Get a purple card for your shared Spend account and an aqua card for your individual Spend account, so you’ll know exactly where you’re spending from.

  • You and your partner-in-finance can stop mucking around with pesky split bills and transfers.

Ways of banking

Choose how you bank

Our award-winning app

Our feature packed app

The app jammed with handy features to help you get ahead with money.

  • Connect your accounts from over 140 financial institutions and get a panoramic view of your finances.

  • Keep on top of what goes in and out of your account with our In & Out feature. Add your Pay Cycle to keep track pay to pay.

  • Spending Footprint automatically sorts your transactions to give you insights into your spending.

  • Start tracking your bills in the Bill Planner and see what you’ve got coming up. You can align the view to your Pay Cycle to view expenses.

Our online banking

Try online banking for those of you who like to see it all on the big screen.

  • Make instant payments and transfers from your Spend account via PayID and Osko (if the other bank has it).

  • See your connected accounts just like you do in our app.

  • Have your spreadsheet open on one tab and your online banking on another for budgeting made easy.