Your pay could win you $10K
Unlock payday perks when you switch your pay to Ubank and feel the rewards. Get a great outcome for your income with the chance to win big.
T&Cs apply. Permit numbers: NSW TP/04450, ACT TP 25/01632, SA T25/1225
Why switch your pay to Ubank?
Move your pay to Ubank and take control with Pay Cycle – a simple way to see when your next pay is due. It’s easy to set up and helps you stay on top of your money.
How to enter
Set your Pay Cycle
From the home screen of the app, or by tapping into the “In & Out” widget
Make your deposit
Deposit at least $3k each month into your individual Spend or Bills account for 2 consecutive months
You could win big
With 20 chances at $10k
Set up Pay Cycle from the home screen in the app. Competition closes on 31/10/2025 at 1:59pm (Sydney time)
Take Control of Your Pay Cycle
Struggling to keep track of your money between paydays? Whether you’re unsure how much you have left or when your next payday is, Pay Cycle is here to help.
Set up in minutes. Just tell us how often you get paid, how much, and when your next payday is. You can do it right from your app’s home screen.
Stay on top of your cash flow. Pay Cycle shows you how many days are left until your next payday and gives you insights to help you manage your money smarter.
FAQs
Have any questions?
$200k in Cash Prizes Promotion
To enter the competition, you must:
- Hold a Spend or Bills account, which must be open at the end of the Competition Period
- Not be an Ineligible Entrant as set out below
- Be at least 18 years old at the start of the Competition Period.
(the “Entry Requirements”)
- Employees and contractors of the promoter and immediate family members of employees and contractors
- Employees and contractors of the agencies or companies associated with the competition.
(the “Ineligible Entrants”)
Australia-wide
The Entrant must:
- By the end of the Competition Period have Pay Cycle set up in the Ubank App; and
- During the Competition Period meet the Deposit Criteria. To meet the Deposit Criteria you must deposit at least $3,000 in total (in one or more deposits) each month for two consecutive calendar months during the Competition Period into the same individual Spend or Bills account.
For example, if you set up Pay Cycle and:
- deposit $3,000 in your Spend account in August, September and October, you will receive one entry; or
- deposit $6,000 in your Spend account in August and September, and $3,000 in your Bills account in September and October, you will still receive only one entry.
The timing of a deposit will be the time the deposit is received by Ubank as shown in its records (which may not be the time the deposit is made).
If you satisfy the criteria above, you will receive a maximum of one entry.
(the “Entry Method”).
The competition starts on 01/08/2025 at 2:00pm (Sydney time) and ends on 31/10/2025 at 1:59pm (Sydney time)
(the “Competition Period”).
The maximum Number of Entries per Entrant is one
Place: Ubank, 2 Carrington St, Sydney, NSW 2000
Date: 14/11/2025
Time: 2:30pm Sydney time
- Winners will be selected at random using a random electronic draw system.
- The first 20 Eligible Entrants selected will each win a Prize.
- Maximum of one Prize per Winner.
There are 20 prizes of $10,000 each to be won.
(the “Prize”).
Each prize is valued at $10,000 (inc GST)
$200,000 (inc GST)
Having the account which meets the Deposit Criteria open so that the prize money can be paid into it as contemplated below.
Prizes will be automatically paid to the account which met the Deposit Criteria within one week of notification, unless the winner elects to forfeit the prize.
Notification date: 17/11/2025
Notification method: Email & phone call
Publication Date: 25/11/2025
Publication Method: Ubank website
Winners last name, first initial and postcode will be published on ubank.com.au by 25/11/2025.
No, there is no entry fee.
If there are any unclaimed prizes, the Promoter will conduct a redraw to allocate those unclaimed prizes. All entries for the original draw, other than the Winners of the original draw, will be included in the redraw.
The redraw will occur on 15/12/2025 at the same time of day and place, and using the same method, as the original draw (the “Unclaimed Prize Draw”).
If a Winner is selected via an Unclaimed Prize Draw they will be notified on 18/12/2025 by an Email and phone call, and the winner’s last name, first initial and postcode will be published on ubank.com.au no later than 19/12/2025.
Any personal information entrants provide solely for the purposes of entering this competition will only be used and disclosed by the Promoter and its related entities for the purpose of running and administering this competition.
Information about the Promoter’s personal information handling practices, and about how to make a privacy related enquiry or complaint is set out in Ubank’s Privacy Policy (available at wwww.ubank.com.au and on request).
Authorised under NSW Authority No. TP/04450, ACT Permit No. TP 25/01632, SA Licence No. T25/1225
86 400 Holdings Limited ABN 36 621 802 097 whose principal place of business is at 2 Carrington Street, Sydney, 2000.
General
- These Conditions of Entry must be read together with the Competition Details. By entering, entrants accept these conditions.
Eligibility
- Entry is open to residents of the Applicable States or Territories who comply with the Entry Requirements (if any). Entries submitted by Ineligible Entrants are not accepted. If entry is permitted to persons under 18, those entrants must first obtain consent of their parent or guardian.
- The competition will be run during the Competition Period. Entries received after the Competition Period will not count towards the Competition. The Promoter is not responsible for any late, lost or misdirected entries.
Entry
- To enter, entrants must follow the Entry Method. Entrants may only submit up to the Maximum Number of Entries.
- The Promoter reserves the right to reject an Entry if it reasonably forms the opinion that an Entry has been created and/or submitted using automated entry means or a computer entry service.
Prize Draw
- All valid entries received will be entered into the draw and the winner will be drawn as set out in the Competition Detail. Unless otherwise stated, Prize Draws will be conducted at the Promoter’s premises.
Winner
- The Winner(s) will be notified in accordance with the Competition Details.
- The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these Terms and Conditions, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the promotion. The Promoter also reserves the rights not to deliver the Prize to a Winner where delivering/providing a prize to the Winner would cause the Promotor to breach or likely to breach of any Australian law.
- If the Winner is unable to comply with these Terms and Conditions, the Winner will forfeit the Prize, and the Promoter will conduct an Unclaimed Prize Draw in accordance with the Competition Details to determine a substitute Winner, and award the Prize accordingly.
- Winners will be notified, and their names published, as described in the Competition Details.
Prize
- The Promotor accepts no responsibility for the tax implications of Prize winnings. Winners should obtain independent tax advice to determine how this may affect their circumstances.
Risk and liability
- To the fullest extent permitted by law, the Promoter, its related bodies corporate and the suppliers, agencies and other companies involved in this Competition assume no responsibility for any error, omission, interruption, defect, delay in operation or transmission, or loss or damage to data.
- If this Competition is not capable of running as planned for any reason (including as a result of technical failures, fraud or causes beyond the Promoter’s control), the Promoter may, in its sole discretion, cancel, suspend or change the Competition and re-commence it on similar terms, subject to any directions by regulatory authorities.
- To the fullest extent permitted by law, the Promoter, its related bodies corporate and their respective officers, directors, employees and agents exclude liability for all loss (including loss of data, unauthorised access to data and consequential loss), damage, expenses, death or personal injury suffered or incurred arising out of, or in connection with, this Competition (including in relation to the Winner’s participation in this Competition and use of the Prize).
Other
- Any disputes regarding this competition or the claiming of a Prize should be promptly raised with the Promoter, in writing, using the contact details set out in these terms. The Promoter will consider the merits of the dispute in good faith, and where a dispute is considered valid, will take reasonable steps to address the issue raised.
Read our General Terms and Fees and Limits.
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