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  • Save easier with Free2Spend

    Save easier with Free2Spend

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One number to simplify your finances

Keep your savings goal on track by knowing exactly how much you have to spend each day with our smart budgeting tool.

Tell us your income and typical bills and we’ll calculate your daily Free2Spend number.

How it works

Transfer your pay into your USaver account



Transfer your pay

Each pay cycle, transfer your income into your USave account.

Our intuitive sweep technology will then automatically transfer funds to your USpend account to pay for your daily expenses and bills.

Your daily Free2Spend number



Your daily Free2Spend number

This is what it’s all about. One number that shows your spending limit for the day. The number will adjust as you spend.

Each day your Free2Spend number resets.

Your Free2Spend number adjusts each day



Automatically adjusts

As the cycle progresses, your Free2Spend number automatically adjusts each day.

If you overspend, it will reduce to help you get back on track.

If you underspend, you’ll have more to put towards your savings goals.

  • iPhone X display - track your Free2Spend progress daily

    Keep your savings goal on track by knowing exactly how much you have to spend each day.

  • iPhone X display - see your overall progress

    View your overall progress at any stage of your current or historical pay cycles.

  • iPhone X display - Savings goal

    Free2Spend will take a savings goal into account to help keep you on track.

Getting started

This smart budgeting tool is available now to both existing and new UBank customers.

Existing customers

All you need is a USave savings account and USpend transaction account and an iPhone running iOS 10+.

Update or download the UBank banking app and set up Free2Spend right away.

FIND OUT MORE

Download on the Apple store badge

New customers

You’ll need to open a USave savings account with us first. Then you can open a USpend transaction account.

You’ll receive your UBank Visa Debit card a few days later.

FIND OUT MORE

iOS 10+ only. Works with your USave and USpend. Consider if this product is right for you by reading the product terms, at ubank.com.au, before deciding. The issuer is UBank, a division of National Australia Bank Ltd ABN 12 004 044 937. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.