Effective 2 September 2025

Under the Refer a Friend offer, we will pay a $30 bonus payment to you and a $30 bonus payment to your friend once the offer criteria are met in accordance with these offer terms.

This Refer a Friend offer is available to all Ubank customers who have been issued an invite code through the Ubank app and cannot be used in conjunction with any other offer (unless we determine otherwise, acting reasonably).

To be eligible for this offer:

your ‘friend’ must sign up to Ubank and open their initial Ubank accounts using your invite code between 2 September 2025 and 30 June 2026 (inclusive); and
your ‘friend’ must make 5 eligible card purchases and those purchases must be settled in their first 30 days as a Ubank customer; and
you and your friend must both be 18 or over at the time your friend joins Ubank.

Note: Only settled card purchases are eligible to meet the bonus criteria. This means we must wait until each card payment has been settled (no longer showing as “pending” in the friend’s transaction history) before you or the friend become eligible for the bonus payment.

The Refer a Friend bonus payment will be made to your/your friend’s Ubank (Spend) account.

We retain the right, acting reasonably, to refuse to pay or cancel a “refer a friend bonus” payment without notice to you/your friend. The reasons for us to refuse or cancel a payment may include, but are not limited to, if:

we believe that you or your friend’s access to the Ubank app is or may be fraudulent
we believe that you or your friend have threatened, or have taken any steps (in our reasonable opinion) to threaten, the security of Ubank
we believe that you or your friend have breached any of our General Terms
we believe that you or your friend are acting in bad faith
we have locked or closed your or your friend’s account
you/your friend have closed your Spend account before payment has been made
you or your friend’s account contains unpaid charges or is overdrawn
your friend was a past customer of Ubank (excluding any UHomeLoan account) and closed all their Spend and Save accounts with Ubank in the preceding 12 months of re-signing up on the Ubank app and opening a new Spend and Save account.

We also retain the right to stop the offer at any time and to change the conditions or incentive of the offer. However we will take reasonable steps to publish any decision to stop this offer early or any adverse change to the offer terms no later than the date the change takes effect.

Note: This Refer a Friend offer replaces any previous Refer a Friend offers which apply in relation to friends who sign up to Ubank and open accounts using your invite code between 2 September 2025 and 30 June 2026 (inclusive).

Refer a friend

How to refer your family and friends

Received an invite code?

All the fine print

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