Bank accounts

We'll help you get ahead with your money

What's in it for you

What makes our accounts different?

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

Spend account

Spending you can 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^TM.
Transfer in and out of your Spend account almost instantly via PayID and Osko (if the other bank has it).

Become a more successful saver

Earn interest up to 5.10% p.a. on up to 10 Save accounts. You’ll just need a Spend account and to deposit $200+ per month into any of your ubank accounts (not including internal transfers) and you’ll get bonus interest on up to $250K.
Smash your goals with our Savings Targets. You can have one for each of your Save accounts.
No need to transfer funds to your Spend account to cover your bills, just pay straight from your Save accounts.

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.

Choose how you bank

Our app is packed with handy features to help you sort out your finances.

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. Set a time period that lines up with your pay day.
Spending Footprint automatically sorts your transactions to give you insights into your spending.
Take the guesswork out of spending with automatic predictions of your regular payments, bills and subscriptions from over 200 companies.

We’ve just launched our brand new online banking for those of you who like to see it all on the big screen.

Make almost instant payments and transfers from your Spend and Save accounts via PayID and Osko (if the other bank has it).
See your connected accounts and automatic bill predictions just like you do in our app.
Have your spreadsheet open on one tab and your online banking on another for budgeting made easy.