What fees do you charge on Spend, Bills, Save accounts?
Last published October 2026
Ubank doesn’t charge any fees on our Spend, Bills or Save accounts. See below or download our Fees and limits.
Effective 7 November 2025
Fees
| Monthly account fee | Free |
| Transfers between your Ubank accounts | Free |
| Pay someone using a BSB and account number or PayID | Free |
| PayTo | Free |
| BPAY | Free |
| Domestic card payment | Free |
| Domestic ATM cash withdrawal or balance enquiry | Free Some ATM operators may charge a fee |
| International card payment | Free |
| International ATM cash withdrawal or balance enquiry | Free Some ATM operators may charge a fee |
| Direct debit dishonours | Free We don’t charge a dishonour fee, but other financial institutions may charge a fee if we reject a direct debit because there are insufficient funds in your account. |
| Replacement debit card in Australia | Free |
| Emergency Visa replacement debit card | Free |
| Emergency Visa cash | Free |
Limits
| Transfers between your Ubank accounts | Unlimited |
| Pay someone using a BSB and account number or PayID | $20,000 per day^† |
| BPAY* | $20,000 per day^† |
| PayTo | $20,000 per day^ |
| Debit card and digital wallet transactions (other than cash out)* | Up to your available Spend or Bills account balance |
| Cash out using your debit card at an ATM or point of sale | $2,000 per day^ |
†The limit shown is the standard limit. You can select a different limit using the App, and can choose from options between $0 and $20,000. You may also be able to temporarily increase this limit above $20,000, to an amount
up to $100,000 . If this option is not available to you in the App, or if you need a higher temporary limit, call us.
*Merchants, Billers or other providers of facilities may impose additional limits
^These limits apply per customer per day