Refer a friend

Refer, reward, repeat.

Get your family and friends to give us a go and you’ll both score $20 when they make 5 card purchases in their first 30 days. Ts&Cs apply

Existing customers

How to refer your family and friends

Grab your code

To find your invite code, simply open your ubank app and head to “Settings”
Share the love

Invite your friends and family
to sign up by sharing your code with them
Get rewarded

You’ll each score $20 after your friend or family member makes 5 card purchases in their first 30 days

Get started

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

New customers

Received an invite code?

Lucky you! It takes minutes to sign up and enter your mate’s code – you’ll be closer to that $20 bonus in no time.

Where do I enter the code?

Once you’ve downloaded our app, make sure you enter the referral code you received on the “About you” screen during the sign up process.

I’ve signed up already, what next?

Put some money into your account – you can transfer from any other Australian bank account. You’ll find your BSB and account number in our app.

Then go treat yourself by making 5 card purchases using Apple Pay, Google Pay™, Samsung Pay, Garmin Pay or your ubank Visa Debit card within 30 days of signing up.

That’s it! You’ll receive your $20 bonus in your Spend account within a couple of days.

If it’s been more than a couple of days, here’s a few things to check before getting in touch with us:

your friend entered your unique code while signing up to ubank

your friend made 5 card purchases which have settled within 30 days of signing up

the card payment isn’t showing as “pending” in your friend’s transaction history

your friend hasn’t been a ubank customer in the past 12 months

Effective 1 March 2025

Under the Refer a Friend offer, we will pay a $20 bonus payment to you and a $20 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 1 March 2025 and 30 June 2025 (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.

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 1 March 2025 and 30 June 2025 (inclusive).

Refer a friend

How to refer your family and friends

Received an invite code?

FAQs

Get our app and sign up today in minutes