Spend account
Why our Spend account
What's in it for you
Start spending straightaway
Sign up and start spending with instant payment methods.
Get instant access to Apple Pay and Google Pay. We also have Samsung Pay, Fitbit Pay and Garmin Pay.
Transfer in and out of your Spend account almost instantly via PayID and Osko (if the other bank has it).
Get on top of recurring bills, subscriptions and memberships directly from your app using PayTo.
Rest easy knowing your bills are paid same day through BPAY – just transfer on a business day before 6pm (Sydney time).
Left your wallet at home? Securely access your full card details in the app wherever you are.
Rates and fees
Everyday banking without the fees
| Fees | Charges |
|---|---|
Set up and monthly fees | Free |
Payments using the ubank app | Free |
Using your card in Australia
Card purchases and ATM cash withdrawals | Free
Some ATM operators may charge a fee |
Using your card overseas or online
Card purchases and ATM cash withdrawals | Free
Some ATM operators may charge a fee |
Direct debit dishonours | Free |
Replacement card in Australia | Free
($7 for Express Post) |
Emergency Visa replacement card or cash | $50 |
App experience
Explore how we're different
We’re not like other banks – we’re all about getting you ahead. We’ll help you track your spending and predict upcoming expenses.
Spending Footprint helps you retrace your spend
Retrace your spending with Spending Footprint so you always know where your money is going.
We sort your transactions into common spending categories for you.
See how much you’re spending at your favourite stores, food spots, on bills, transport, etc.
Stay ahead of your expenses with automatic bill predictions
Take the guesswork out of spending with automatic predictions of your regular payments, bills, and subscriptions from over 200 companies.
Gain insights into your expenses, so you can manage your spending better.
Know what’s coming so you can avoid any late fees.
It’s okay to see other banks
Connect your accounts from over 180 other financial institutions, to see your money in one place. Think of us as your daily money companion.
You can even connect your super and investments to get the whole picture of how your money is moving.
Our Smart Search feature allows you to find transactions across your ubank and connected accounts in a simple search.
Know your money inside and out
Stay on top of what’s coming in and going out of your ubank accounts with our In & Out feature.
Strike the balance between spending and saving by setting a time period that lines up with your pay cycle.
Plus get a Save account
When you join ubank, you’ll get 2 accounts, a Spend account and a Save account. Our Save account comes with no fees, great interest rates and instant access to your savings.
Join us
How to get started with ubank
Start using your Spend and Save accounts in just minutes.
Download the app
Enter your ID and personal details
Start using your new accounts
To join us, you’ll need to be over 16 years old and an Australian citizen or permanent resident.
FAQs
Have any questions?
