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  • Save easier with Free2Spend

    Save easier with Free2Spend


One number to simplify your finances

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

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 USaver account.

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

Your daily Free2Spend number

Your daily Free2Spend

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

    Track your Free2Spend progress for the day, current cycle of compare daily totals.

  • 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

Free2Spend is available now to both existing and new UBank customers.

Existing customers

All you need is a USaver and USaver Ultra Transaction Account and an iPhone running iOS 10+.

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


Download on the Apple store badge

New customers

You’ll need to open a USaver account with us first. Then you can open a USaver Transaction account.

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


iOS 10+ only. Works with your USaver and USaver Ultra. Consider if this product is right for you by reading the product terms, at, 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.