Why our Spend account

What's in it for you

  • No fees icon
    Forget fees

    No monthly fees on any of your Spend accounts

  • No international fees icon
    No international fees

    We don’t charge you for overseas or online payments

  • Digital card and coffee cup
    Start spending instantly

    With Apple Pay or Google Pay™, before you receive your Visa card.

  • Calendar
    Stay one step ahead

    Keep on budget with insights on your spending and bills

Spend straightaway

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.

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

Rates and fees

Everyday banking without the fees

Everyday banking Spend account fees
Set up and monthly fees
Payments using the ubank app
Using your card in Australia

Card purchases and ATM cash withdrawals


Some ATM operators may charge a fee

Using your card overseas or online

Card purchases and ATM cash withdrawals


Some ATM operators may charge a fee

Direct debit dishonours
Replacement card in Australia

($7 for Express Post)

Emergency Visa replacement card or cash

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 upcoming expenses.

Spending footprint

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.

Plan for your expenses by tracking your bills in the Bill Planner

  • Start tracking your bills to see what you’ve got coming up.

  • Align the view to your Pay Cycle to view expenses pay to pay.

  • The magic of the Bill Planner will easily show what you’ve got coming up so you can budget and keep money for the good stuff.

It’s okay to see other banks

  • Connect your accounts from over 140 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 2 more accounts, a Save and a Bills

When you join ubank, you’ll get 3 accounts, a Spend, a Bills and a Save account. Save gives you great interest rates, instant access to your savings, both accounts have no fees.

Join us

How to get started with ubank

You can start using your Spend, Bills, and Save accounts in minutes

To join us, you’ll need to be over 16 years old and an Australian citizen or permanent resident.


Have any questions?