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Open a shared account in just a few seconds to Spend or Save with your partner-in-finance
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Save account
High Interest Savings Account
High interest savings account Feel like a rockstar saver 5.10% p.a. Variable interest rate on your Save accounts. Bonus interest criteria applies. Why our Save account What's in it for you Forget feesNo monthly fees on any of your Save accounts No monthly fees on any of your Save accounts Split your moneyOpen up to 10 Save accounts to stay on top of your goals Open up to 10 Save accounts to stay on top of your goals Set savings targetsTrack your progress on each of your Save accounts Track your progress on each of your Save accounts Government guaranteedDeposits guaranteed up to $250k per customer1 Deposits guaranteed up to $250k per customer1 Our high interest savings rate What makes up our total interest rate This rate is variable and subject to change. Interest is calculated on your Save balance daily and paid monthly. See what makes you eligible for bonus interest. Want bonus interest on all your Save accounts? All you need to do is have a Spend account and deposit $200+ per month into any Spend or Save accounts (not including internal transfers) to get the bonus interest rate. Easy. Take money out at any time without affecting your bonus rate. Take money out at any time without affecting your bonus rate. Open up to 10 Save accounts and get bonus interest on all of them, including shared Save accounts. Open up to 10 Save accounts and get bonus interest on all of them, including shared Save accounts. Get bonus interest on a combined balance of up to $250K across all your Save accounts. Get bonus interest on a combined balance of up to $250K across all your Save accounts. Don't miss out on bonus interest with the help of our friendly nudges. Don't miss out on bonus interest with the help of our friendly nudges. App experience Explore how we're different We're not like other banks. We'll help you hit targets, access your savings when you need to and give you the visibility you need. Hit all your savings targets, right on the money Create up to 10 Save accounts and set targets on any of them. Create up to 10 Save accounts and set targets on any of them. We'll help you smash your goals. Tell us when you want to hit your target and we can show you how to get there one step at a time. We'll help you smash your goals. Tell us when you want to hit your target and we can show you how to get there one step at a time. Edit your target at any time and we'll adjust your plan to get there. Edit your target at any time and we'll adjust your plan to get there. Pay straight from your Save account Pay bills straight from your savings accounts, without needing to transfer to Spend. Pay bills straight from your savings accounts, without needing to transfer to Spend. Set up direct debits and pay bills using BPAY from your Save accounts, to make life a little easier. Set up direct debits and pay bills using BPAY from your Save accounts, to make life a little easier. Earn interest on your money in savings for as long as possible before paying your bills. Earn interest on your money in savings for as long as possible before paying your bills. Almost instant access to your savings when you need it Transfers in and out of your Save account are almost instant via PayID and Osko (if the other bank has it). Transfers in and out of your Save account are almost instant via PayID and Osko (if the other bank has it). Life happens, so you can take money out at any time without affecting your bonus interest rate – it's your money after all! Life happens, so you can take money out at any time without affecting your bonus interest rate – it's your money after all! It's okay to see other banks See your money in one place by connecting to over 140 other financial institutions. See your money in one place by connecting to over 140 other financial institutions. You can even connect your super and investments to get the whole picture of how your money is moving. You can even connect your super and investments to get the whole picture of how your money is moving. With an easy savings graph, you can see your total savings across all your connected accounts. With an easy savings graph, you can see your total savings across all your connected accounts. Plus get 2 more accounts, a Spend and a Bills When you join ubank, you'll get 3 accounts, a Spend, a Bills, and a Save. Our accounts come with handy features to manage your money and have no everyday fees. Join us How to get started with ubank You can start using your Spend, Bills, and Save accounts in minutes Download the app Download the app Enter your ID and personal details Enter your ID and personal details Start using your new accounts Start using your new accounts To join us, you'll need to be over 16 years old and an Australian citizen or permanent resident. We're award winning Get ahead of the pack Become a better saver with our award-winning Save account FAQs Have any questions? How is interest calculated? Base interest is calculated daily and paid monthly based on the total balance of your Save accounts. Each day, we'll check your account balances and calculate the interest for each Save account. At the end of the month, we'll add them up and pay it to your Save accounts. Bonus interest is also calculated daily and paid monthly, but only on balances up to $250K per customer. Find out how to check if you're eligible for bonus interest. If you are eligible for bonus interest, we will calculate the bonus interest each day on your Save accounts by first looking at your shared Save accounts, and then your individual Save accounts until we've calculated interest on up to $250K across these accounts. Shared Save accounts We'll start by calculating interest on your shared Save account with the highest balance and then on the account with next highest balance. We'll work down from there until we've calculated interest on all your eligible shared Save accounts. If more than one account has the same balance, we'll calculate bonus interest on the one opened first. With shared Save accounts, you'll get bonus interest on half of your balance. For example, if you and your partner-in-finance have an account balance of $500K, you will just earn bonus interest on $250K of your balance. If your partner-in-finance is eligible, they'll get bonus interest on their half of the account balance too. In this above example, you will not receive bonus interest on any other Save accounts because you have already earned bonus interest on the $250K in your shared Save account. As your partner-in-finance has also already earned bonus interest on $250K in your shared Save account, they will not earn bonus interest on any of their other Save accounts. Individual Save accounts Just like shared Save accounts, we'll also calculate interest on your individual Save account with the highest balance, and then on the account with the next highest balance, and so on. If you have any accounts with the same balance, we'll start by calculating bonus interest on the one opened earliest. Interest will then be paid into each of your eligible accounts at the end of the month based on our daily calculations. If you still have questions, give us a call. Base interest is calculated daily and paid monthly based on the total balance of your Save accounts. Each day, we'll check your account balances and calculate the interest for each Save account. At the end of the month, we'll add them up and pay it to your Save accounts. Bonus interest is also calculated daily and paid monthly, but only on balances up to $250K per customer. Find out how to check if you're eligible for bonus interest. If you are eligible for bonus interest, we will calculate the bonus interest each day on your Save accounts by first looking at your shared Save accounts, and then your individual Save accounts until we've calculated interest on up to $250K across these accounts. Shared Save accounts We'll start by calculating interest on your shared Save account with the highest balance and then on the account with next highest balance. We'll work down from there until we've calculated interest on all your eligible shared Save accounts. If more than one account has the same balance, we'll calculate bonus interest on the one opened first. With shared Save accounts, you'll get bonus interest on half of your balance. For example, if you and your partner-in-finance have an account balance of $500K, you will just earn bonus interest on $250K of your balance. If your partner-in-finance is eligible, they'll get bonus interest on their half of the account balance too. In this above example, you will not receive bonus interest on any other Save accounts because you have already earned bonus interest on the $250K in your shared Save account. As your partner-in-finance has also already earned bonus interest on $250K in your shared Save account, they will not earn bonus interest on any of their other Save accounts. Individual Save accounts Just like shared Save accounts, we'll also calculate interest on your individual Save account with the highest balance, and then on the account with the next highest balance, and so on. If you have any accounts with the same balance, we'll start by calculating bonus interest on the one opened earliest. Interest will then be paid into each of your eligible accounts at the end of the month based on our daily calculations. If you still have questions, give us a call. Can I get the bonus interest on more than one account? Yes, you can earn bonus interest on all your Save accounts if you meet the bonus rate eligibility criteria. The bonus rate is only paid on balances up to $250K per customer. For more info, check out our FAQ on earning bonus interest. Yes, you can earn bonus interest on all your Save accounts if you meet the bonus rate eligibility criteria. The bonus rate is only paid on balances up to $250K per customer. For more info, check out our FAQ on earning bonus interest. What accounts will I get? When you join us, you'll get three accounts: a Spend account, a Bills account and a Save account. Your Spend account lets you transfer money and make purchases using the linked Visa Debit card or your digital wallet for your everyday spending needs. Your Bills account lets you set aside funds for committed expenses, allowing you to budget within your pay cycle. Your Save account lets you earn interest on your money. Find out more about earning interest with our Save accounts. You can open an additional nine Save accounts, whether they're individual or shared, via the app. When you join us, you'll get three accounts: a Spend account, a Bills account and a Save account. Your Spend account lets you transfer money and make purchases using the linked Visa Debit card or your digital wallet for your everyday spending needs. Your Bills account lets you set aside funds for committed expenses, allowing you to budget within your pay cycle. Your Save account lets you earn interest on your money. Find out more about earning interest with our Save accounts. You can open an additional nine Save accounts, whether they're individual or shared, via the app. What do I need to open an account? To open an account, you'll need an Australian mobile number and at least 1 of the following types of Australian issued ID: a driver licence passport Medicare card You'll need 2 kinds of ID if you're under 18. To open an account, you'll need an Australian mobile number and at least 1 of the following types of Australian issued ID: a driver licence passport Medicare card You'll need 2 kinds of ID if you're under 18. How many Save accounts can I open? You can open up 10 Save accounts. The accounts can be individual or shared accounts. To open additional accounts, head to the “Accounts” tab in the app and select “Add new account” at the bottom of the page. You can open up 10 Save accounts. The accounts can be individual or shared accounts. To open additional accounts, head to the “Accounts” tab in the app and select “Add new account” at the bottom of the page. Do you offer joint accounts? Yes we do – we call them shared accounts! If you and your partner-in-finance are existing customers, you'll be able to open a shared Spend or Save account in minutes via the app. Learn more about our shared accounts. Yes we do – we call them shared accounts! If you and your partner-in-finance are existing customers, you'll be able to open a shared Spend or Save account in minutes via the app. Learn more about our shared accounts. Let's pass the mic to our lawyer 1Our deposits are guaranteed up to $250,000 per customer under the NAB banking licence by the Australian Government's Financial Claims Scheme. Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Pay and Google Play are trademarks of Google Inc. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518. 1Our deposits are guaranteed up to $250,000 per customer under the NAB banking licence by the Australian Government's Financial Claims Scheme. Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Pay and Google Play are trademarks of Google Inc. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518. Get our app and sign up today in minutes
ubank
Online Banking Accounts
Bank accounts We'll help you get ahead with your money Download our app and sign up in minutes. Spend account Spend account Bills account Bills account Save account Save account Why a ubank account What's in it for you Forget feesNo monthly fees or international card payment charges No monthly fees or international card payment charges Great interest ratesEarn interest up to 5.10% p.a. on up to 10 Save accounts Earn interest up to 5.10% p.a. on up to 10 Save accounts No more split billsShared accounts mean no more split bills or transfers Shared accounts mean no more split bills or transfers Bank your wayUse our award-winning app or online banking Use our award-winning app or online banking Our accounts What makes our accounts different? Get a Spend, Bills and Save account in just minutes and a Shared account in a couple of seconds. Spend account Spending to feel good about Say goodbye to monthly account fees with our Spend account, as well as international card payment charges. Say goodbye to monthly account fees with our Spend account, as well as international card payment charges. Spend before your physical card even arrives by setting up Apple Pay or Google Pay™. Spend before your physical card even arrives by setting up Apple Pay or Google Pay™. Transfer in and out of your Spend account immediately via PayID and Osko (if the other bank has it). Transfer in and out of your Spend account immediately via PayID and Osko (if the other bank has it). Bills account Make bills more chill Stash some cash to cover your bills and get a digital card to set up regular payments. Stash some cash to cover your bills and get a digital card to set up regular payments. Start tracking with Bill Planner to see what bills are coming up and how much money you should put aside. Start tracking with Bill Planner to see what bills are coming up and how much money you should put aside. Can be used as an offset account on a ubank home loan. Can be used as an offset account on a ubank home loan. Save account Become a more successful saver Earn interest up to 5.10% p.a. on up to 10 Save accounts. You'll just need a Spend account and to deposit $200+ per month into any of your ubank accounts (not including internal transfers) and you'll get bonus interest on up to $250K. Earn interest up to 5.10% p.a. on up to 10 Save accounts. You'll just need a Spend account and to deposit $200+ per month into any of your ubank accounts (not including internal transfers) and you'll get bonus interest on up to $250K. Set up savings targets for your Save accounts and automatic transfers to hit goals and save like a machine. Set up savings targets for your Save accounts and automatic transfers to hit goals and save like a machine. No need to transfer funds to your Spend account to cover your bills, just pay straight from your Save accounts. No need to transfer funds to your Spend account to cover your bills, just pay straight from your Save accounts. Shared account Mine. Yours. Ours. Get a purple card for your shared Spend account and an aqua card for your individual Spend account, so you'll know exactly where you're spending from. Get a purple card for your shared Spend account and an aqua card for your individual Spend account, so you'll know exactly where you're spending from. You and your partner-in-finance can stop mucking around with pesky split bills and transfers. You and your partner-in-finance can stop mucking around with pesky split bills and transfers. Ways of banking Choose how you bank Our feature packed app The app jammed with handy features to help you get ahead with money. Connect your accounts from over 140 financial institutions and get a panoramic view of your finances. Connect your accounts from over 140 financial institutions and get a panoramic view of your finances. Keep on top of what goes in and out of your account with our In & Out feature. Add your Pay Cycle to keep track pay to pay. Keep on top of what goes in and out of your account with our In & Out feature. Add your Pay Cycle to keep track pay to pay. Spending Footprint automatically sorts your transactions to give you insights into your spending. Spending Footprint automatically sorts your transactions to give you insights into your spending. Start tracking your bills in the Bill Planner and see what you've got coming up. You can align the view to your Pay Cycle to view expenses. Start tracking your bills in the Bill Planner and see what you've got coming up. You can align the view to your Pay Cycle to view expenses. Our online banking Try online banking for those of you who like to see it all on the big screen. Make instant payments and transfers from your Spend and Save accounts via PayID and Osko (if the other bank has it). Make instant payments and transfers from your Spend and Save accounts via PayID and Osko (if the other bank has it). See your connected accounts just like you do in our app. See your connected accounts just like you do in our app. Have your spreadsheet open on one tab and your online banking on another for budgeting made easy. Have your spreadsheet open on one tab and your online banking on another for budgeting made easy. Guides Ways to max your money FAQsGot some questions? Head to FAQs FAQs Got some questions? Need help?Chat with our team Contact us Need help? Chat with our team Let's pass the mic to our lawyer Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google Pay and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518. Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google Pay and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518. Get our app and sign up today in minutes
Home loans
Compare Home Loan Rates and Mortgages
Home loans Save $$ with our low rate home loans What are you looking to do? I'm buying Find info and a mix of loan options to buy your first or next home I'm buying Find info and a mix of loan options to buy your first or next home I'm refinancing Switch to ubank and get the benefits of an award-winning home loan I'm refinancing Switch to ubank and get the benefits of an award-winning home loan I'm investing Get on the ladder, rentvest, or grow your investment property portfolio I'm investing Get on the ladder, rentvest, or grow your investment property portfolio Our home loans Get ahead with the right home loan Pick a home loan that works for you, whether you're looking to invest or move into your dream home Neat variableA low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account. Variable rates from6.09% p.a.Owner occupiedP&Iup to 60% LVR6.11% p.a.Comparison rate1Your repayments$3,249.07 per month Based on a $500,000 principal and interest (P&I) loan over 25 yearsWhat's in it for you No annual fee Make and redraw additional payments at no extra cost Explore Neat variable Neat variable A low variable rate home loan with no ongoing annual fees. Great if you don't need an offset account. Your repayments $3,249.07 per month Based on a $500,000 principal and interest (P&I) loan over 25 years What's in it for you No annual fee No annual fee Make and redraw additional payments at no extra cost Make and redraw additional payments at no extra cost Flex variableOffset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments. Variable rates from6.14% p.a.Owner occupiedP&Iup to 60% LVR6.38% p.a.Comparison rate1Your repayments$3,264.43 per month Based on a $500,000 principal and interest (P&I) loan over 25 yearsWhat's in it for you 100% interest offset across multiple Spend, Bills and Save accounts Make and redraw additional payments at no extra cost Explore Flex variable Flex variable Offset up to 100% interest on your home loan with multiple ubank accounts and unlimited additional payments. Your repayments $3,264.43 per month Based on a $500,000 principal and interest (P&I) loan over 25 years What's in it for you 100% interest offset across multiple Spend, Bills and Save accounts 100% interest offset across multiple Spend, Bills and Save accounts Make and redraw additional payments at no extra cost Make and redraw additional payments at no extra cost Flex fixedLock in your interest rate for 1, 2, 3 or 5 years and be certain of what your home loan repayments will be. 1 year fixed rates6.74% p.a.Owner occupiedP&Iup to 60% LVR6.44% p.a.Comparison rate1Your repayments$3,451.40 per month Based on a $500,000 principal and interest (P&I) loan over 25 yearsWhat's in it for you Lock in a rate for up to 5 years Make and redraw additional payments up to $20K during your fixed term at no extra cost Explore Flex fixed Flex fixed Lock in your interest rate for 1, 2, 3 or 5 years and be certain of what your home loan repayments will be. Your repayments $3,451.40 per month Based on a $500,000 principal and interest (P&I) loan over 25 years What's in it for you Lock in a rate for up to 5 years Lock in a rate for up to 5 years Make and redraw additional payments up to $20K during your fixed term at no extra cost Make and redraw additional payments up to $20K during your fixed term at no extra cost Are you new to home loans? We've made it easy to learn the home loan lingo. Compare our home loan options Home loans, like homes, aren't one-size fits all Home loan calculators Crunch the numbers before you apply Find out if you could save by refinancing with us Compare your current loan Find out if you could save by refinancing with us See how much you can borrow and what you'll pay Calculate your borrowing power See how much you can borrow and what you'll pay Why choose a ubank home loan We're award winningDon't just take our word, our home loan awards speak for themselves Don't just take our word, our home loan awards speak for themselves Great ratesWe offer a range of home loans with great interest rates We offer a range of home loans with great interest rates Apply from homeSkip the never-ending paperwork with our simple digital application Skip the never-ending paperwork with our simple digital application Talk with a real personGet help from a friendly member of our Australian-based team Get help from a friendly member of our Australian-based team We're award winning That's a win for you too Our customers reap the benefits of our award-winning home loans. Apply online for a loan Get a loan without stepping a foot out of home See if we're a good fit Check you're eligible for a ubank home loan See if we're a good fit Check you're eligible for a ubank home loan Apply without the paperwork Complete our online application or talk with a lending specialist Apply without the paperwork Complete our online application or talk with a lending specialist Get a decision fast If your application hits the mark, we'll let you know you've been approved Get a decision fast If your application hits the mark, we'll let you know you've been approved Accept your offer and relax Review and accept your loan documents online, then wait for settlement Accept your offer and relax Review and accept your loan documents online, then wait for settlement Already have a loan with us?Find out everything there is to know about making changes to your loan. Manage your loan Already have a loan with us? Find out everything there is to know about making changes to your loan. Want the key facts?We'll give you the key facts you need to know about your preferred loan. Get your key facts sheet Want the key facts? We'll give you the key facts you need to know about your preferred loan. Tips and guides Articles on home loans Let's pass the mic to our lawyer Read our Home Loan Terms. Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements. Home loan information and interest rates are for new loans only and are subject to change. 1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage. Read our Home Loan Terms. Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements. Home loan information and interest rates are for new loans only and are subject to change. 1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage. Apply with us today Do it all from home with our simple digital loan application.
ubank
Contact Us
Contact us We're here to help Stay alert to scams and fraud Don't click on links in unexpected messages, and if you get a suspicious call from someone claiming to be ubank, hang up and call our official phone number. Always remember, if it seems weird, it probably is. Check out our FAQs Get an instant answer with our FAQs Whether you're looking for help with current or original ubank accounts and home loans, or navigating through our app, we've got all the info you need in our help centre. Contact us Get help from our team I'm using current ubank productsIf you're using current ubank products, there are 2 ways to contact us: For specific account enquiries and urgent matters, please give us a call. For general enquiries and information, send us a message and we will get back to you as soon as we can. Send us a message I'm using current ubank products If you're using current ubank products, there are 2 ways to contact us: For specific account enquiries and urgent matters, please give us a call. For general enquiries and information, send us a message and we will get back to you as soon as we can. I'm using original ubank productsIf you're using original ubank products, contact us by giving us a call. Call us I'm using original ubank products If you're using original ubank products, contact us by giving us a call. I'm using current ubank products You have an account or home loan that's available at ubank today, or products originally from 86 400. I'm using original ubank products You have ubank products that new customers can no longer access including: USave and USpend accounts USave and USpend accounts Term Deposits Term Deposits Self-Managed Super Funds Self-Managed Super Funds UHomeLoans UHomeLoans ubank Online Banking ubank Online Banking ubank mobile banking app. ubank mobile banking app. Talk to us We're available between 8am and 8pm Monday to Friday, and between 8am and 6pm on Saturday and Sunday (Sydney time). If you're in Australia, call: 13 30 80 If you're overseas, call: +61 2 9070 0202 Find us on social media Get in touch with us on your favourite social media. Facebook Twitter Instagram LinkedIn Tiktok Media enquiries For media enquiries, please contact media@ubank.com.au. Lost or stolen cards Call us as soon as possible on 13 30 80 (within Australia) or +61 2 9070 0202 (from overseas) 24/7. Power of attorney Email us at customersupportubank@ubank.com.au Deceased estate To notify us of a passing of a loved one, you can call us on 13 30 80 between 8am and 8pm Monday to Friday, and between 8am and 6pm on Saturday and Sunday (Sydney time), and one of our team will be able to guide you through each step of the process. Accessibility services If you are deaf or have a hearing or speech impairment, you can call through the National Relay Service. Teletypewriter (TTY) Call 13 36 77 then ask for 1300 822 665 Voice Relay (previously Speak and Listen) Call 1300 555 727 then ask for 1300 822 665 NRS Chat (previously Internet Relay) Connect to the National Relay Service then ask for 1300 822 665 Post and registered office Post If you're using original ubank products and you have a SMSF or documentation to post to ubank, please address it to: UBank PO Box 1466 North Sydney NSW 2059 Registered office If you're using original ubank products, any subpoenas, writs, garnishee orders, statutory notices and other notices should be served at NAB's registered office: The Proper Officer National Australia Bank Limited Level 2 395 Bourke Street Melbourne VIC 3000 Australia Complaints We're here to listen and get to the bottom of any issues. If we can't resolve your complaint straight away and we need to do a bit of investigation, we'll keep you updated with next steps. Head here to find out how you can get in touch with us.
Spend account
Transaction Account
Spend account Spending you can feel good about Join ubank in minutes and get our Spend account – it's an award-winning transaction account with no monthly or overseas fees. Why our Spend account What's in it for you Forget feesNo monthly fees on any of your Spend accounts No monthly fees on any of your Spend accounts No international fees We don't charge you for overseas or online payments We don't charge you for overseas or online payments Start spending instantly With Apple Pay or Google Pay™, before you receive your Visa card. With Apple Pay or Google Pay™, before you receive your Visa card. Stay one step aheadKeep on budget with insights on your spending and bills Keep on budget with insights on your spending and bills 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. 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). 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. 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). 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. Left your wallet at home? Securely access your full card details in the app wherever you are. Rates and fees Everyday banking without the fees Card purchases and ATM cash withdrawals Some ATM operators may charge a fee Card purchases and ATM cash withdrawals Some ATM operators may charge a fee ($7 for Express Post) 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 helps you retrace your spend Retrace your spending with Spending Footprint so you always know where your money is going. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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 Download the app Download the app Enter your ID and personal details Enter your ID and personal details Start using your new accounts Start using your new accounts To join us, you'll need to be over 16 years old and an Australian citizen or permanent resident. FAQs Have any questions? What accounts will I get? When you join us, you'll get three accounts: a Spend account, a Bills account and a Save account. Your Spend account lets you transfer money and make purchases using the linked Visa Debit card or your digital wallet for your everyday spending needs. Your Bills account lets you set aside funds for committed expenses, allowing you to budget within your pay cycle. Your Save account lets you earn interest on your money. Find out more about earning interest with our Save accounts. You can open an additional nine Save accounts, whether they're individual or shared, via the app. When you join us, you'll get three accounts: a Spend account, a Bills account and a Save account. Your Spend account lets you transfer money and make purchases using the linked Visa Debit card or your digital wallet for your everyday spending needs. Your Bills account lets you set aside funds for committed expenses, allowing you to budget within your pay cycle. Your Save account lets you earn interest on your money. Find out more about earning interest with our Save accounts. You can open an additional nine Save accounts, whether they're individual or shared, via the app. What do I need to open an account? To open an account, you'll need an Australian mobile number and at least 1 of the following types of Australian issued ID: a driver license passport Medicare card. You'll need 2 kinds of ID if you're under 18 (at least one driver license or passport) To open an account, you'll need an Australian mobile number and at least 1 of the following types of Australian issued ID: a driver license passport Medicare card. You'll need 2 kinds of ID if you're under 18 (at least one driver license or passport) What fees do you charge? We don't charge any monthly fees and using your ubank accounts is mostly free, but there are a few fees we need to pass on, including fees for emergency card replacements or emergency cash. All of these fees are spelled out in our Fees and Limits. We don't charge any monthly fees and using your ubank accounts is mostly free, but there are a few fees we need to pass on, including fees for emergency card replacements or emergency cash. All of these fees are spelled out in our Fees and Limits. How many Spend accounts can I open? You can open 1 individual and 1 shared Spend account. To open additional accounts, head to the “Accounts” tab in the app and select “Add new account” at the bottom of the page. You can open 1 individual and 1 shared Spend account. To open additional accounts, head to the “Accounts” tab in the app and select “Add new account” at the bottom of the page. Which digital wallets can I use? If you want to pay with your mobile or smartwatch, you can add your Visa Debit card to Apple Pay, Google PayTM and Samsung Pay, as well as Fitbit Pay and Garmin Pay. Compatible devices only. If you're using an iPhone or Android device, you can set up Apple Pay or Google Pay instantly from the “Cards” screen in your app before your physical card has even arrived. If you want to pay with your mobile or smartwatch, you can add your Visa Debit card to Apple Pay, Google PayTM and Samsung Pay, as well as Fitbit Pay and Garmin Pay. Compatible devices only. If you're using an iPhone or Android device, you can set up Apple Pay or Google Pay instantly from the “Cards” screen in your app before your physical card has even arrived. Do you offer joint accounts? Yes we do – we call them shared accounts! If you and your partner-in-finance are existing customers, you'll be able to open a shared Spend or Save account in minutes via the app. Learn more about our shared accounts. Yes we do – we call them shared accounts! If you and your partner-in-finance are existing customers, you'll be able to open a shared Spend or Save account in minutes via the app. Learn more about our shared accounts. Let's pass the mic to our lawyer Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google Pay and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518. Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google Pay and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518. Get our app and sign up today in minutes
Home loans
Neat Variable Rate Home Loans
Neat variable home loan Take it back to basics Get a home loan with low variable rates and no annual fee. Why our Neat variable home loan What's a Neat variable home loan? Our Neat variable home loans are perfect if you're looking for a loan with no frills and no fuss. Whether you're buying a home or investing, you'll get low variable rates and no annual fee, as well as unlimited additional payments that you can redraw whenever you like. What's in it for you No annual feeThat's right, none! That's right, none! Redraw freelyIt's free to redraw additional payments when you need them It's free to redraw additional payments when you need them Pay off your loan fasterMake as many additional payments as you like free of charge Make as many additional payments as you like free of charge Apply from homeSkip the never-ending paperwork with our simple digital application Skip the never-ending paperwork with our simple digital application Interest rates Our Neat variable home loan rates The lower your LVR, the lower your rate. Owner occupied Investor VariablePrincipal and interest (P&I) Fees Here's what you'll pay These are the fees you'll pay with our Neat variable home loan. Depending on how you use your loan, you may have to pay other fees and charges. Ready to apply? Home loan calculators Crunch the numbers before you apply Find out if you could save by refinancing with us Compare your current loan Find out if you could save by refinancing with us See how much you can borrow and what you'll pay Calculate your borrowing power See how much you can borrow and what you'll pay Apply online for a loan Get a loan without stepping a foot out of home See if we're a good fit Check you're eligible for a ubank home loan See if we're a good fit Check you're eligible for a ubank home loan Apply without the paperwork Complete our online application or talk with a lending specialist Apply without the paperwork Complete our online application or talk with a lending specialist Get a decision fast If your application hits the mark, we'll let you know you've been approved Get a decision fast If your application hits the mark, we'll let you know you've been approved Accept your offer and relax Review and accept your loan documents online, then wait for settlement Accept your offer and relax Review and accept your loan documents online, then wait for settlement Compare our home loans See how this loan compares Compare all our interest rates and fees Already have a loan with us?Find out everything there is to know about making changes to your loan. Manage your loan Already have a loan with us? Find out everything there is to know about making changes to your loan. Want the key facts?We'll give you the key facts you need to know about your preferred loan. Get your key facts sheet Want the key facts? We'll give you the key facts you need to know about your preferred loan. Let's pass the mic to our lawyer Read our Home Loan Terms. Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements. Home loan information and interest rates are for new loans only and are subject to change. 1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage. Read our Home Loan Terms. Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements. Home loan information and interest rates are for new loans only and are subject to change. 1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.
ubank
Mobile Banking App
Our app Say hello to your daily money companion Download our app and sign up in minutes. Why our app See your money more clearly We're constantly working on new features that give you better visibility and help you with financial wins for tomorrow. It all starts with your payday! Manage your budget around your pay cycle. With your payday and how often you get paid set up in the app, you'll always know how much time you have left until your next pay. Align your other app features with your pay cycle so you can keep an eye on your spending, bills, and expenses between pays. Connect your other accounts Securely connect your other accounts from over 140 financial institutions. See available funds, savings, and add upcoming bills from your connected accounts to track in the one place. You can also add superannuation and investments accounts to get the whole picture of how your money is moving. Our smart search works across other bank accounts to find transactions. Plan for your bills with Bill Planner Start tracking bills to plan your money around what's coming up. Add your regulars like rent, utilities, and subscriptions to see what's due each month or pay cycle. Our Bill Planner will easily show what you're committed to. It's like a little self-care for your money that will help you know how much to put aside in your Bills account. Track your Spending Footprint Retrace your spending steps. Spending Footprint sorts your spending into simple categories. This makes being able to see what you really spent on eating out or shopping last month easy. Align the Footprint view with your pay cycle frequency to keep track of your spend in between paydays. Get ahead with In & Out Do you know if you are spending more than you earning? In & Out is an easy-to-read graph of the money coming in and going out of your ubank accounts that helps you stay one step ahead of your spending. Align the view with your pay cycle frequency to get ahead pay to pay. Hit your goals with Savings Targets Crush your financial goals faster with savings targets on any of your up to 10 savings accounts. You can also set up automatic transfers to set, forget, and save like a machine. With all of your ubank app features working together, it becomes easier to be a better saver with little wins for tomorrow every day. App features Other handy features Now we've covered the big life-changing features, here are some other cool things our app can do. Lock your cardLock your Visa Debit card instantly through the app if it's lost Lock your Visa Debit card instantly through the app if it's lost Look it up with Smart SearchFilter transactions across your ubank and connected accounts Filter transactions across your ubank and connected accounts Get your card deets anytimeSee your card details in the app at any time See your card details in the app at any time Travel notificationsGoing overseas? Let us know easily in the app 24 hours before your trip Going overseas? Let us know easily in the app 24 hours before your trip Join us How to get started with ubank You can start using your Spend, Bills, and Save accounts in minutes. Download the app Download the app Enter your ID and personal details Enter your ID and personal details Start using your new accounts Start using your new accounts To join us, you'll need to be over 16 years old and an Australian citizen or permanent resident. Other ways to bank Access your account from any device If you don't have the app on you, you can still access your accounts. You can use your mobile, laptop, tablet or watch in Australia and overseas. FAQs Have any questions? What phone and operating system do I need to access my accounts? We focus on creating the best possible app experience for the most common smartphones used by Australians. We currently support iOS 13 and above and Android 7.0 and above. Unfortunately, some older or very uncommon phones may not work with our app. We'll look at ways to support your banking in the future. We focus on creating the best possible app experience for the most common smartphones used by Australians. We currently support iOS 13 and above and Android 7.0 and above. Unfortunately, some older or very uncommon phones may not work with our app. We'll look at ways to support your banking in the future. Which digital wallets can I use? If you want to pay with your mobile or smartwatch, you can add your Visa Debit card to Apple pay, Google PayTM and Samsung Pay, as well as Fitbit Pay and Garmin Pay. Compatible devices only. There's no need to wait for your card to arrive if you're using an iPhone or Android device. You can set up Apple Pay or Google PayTM instantly from the ‘Cards' screen in your app. If you want to pay with your mobile or smartwatch, you can add your Visa Debit card to Apple pay, Google PayTM and Samsung Pay, as well as Fitbit Pay and Garmin Pay. Compatible devices only. There's no need to wait for your card to arrive if you're using an iPhone or Android device. You can set up Apple Pay or Google PayTM instantly from the ‘Cards' screen in your app. How can I take money out? As well as transferring money between your accounts, you can: pay someone using a BSB and account number or PayID. If their bank supports Osko payments, the money should arrive in their account straight away pay a bill with BPAY withdraw cash from an ATM (domestic and international) pay with your Visa Debit card or digital wallet – Apple Pay, Google PayTM and Samsung Pay, as well as Fitbit Pay and Garmin Pay. As well as transferring money between your accounts, you can: pay someone using a BSB and account number or PayID. If their bank supports Osko payments, the money should arrive in their account straight away pay a bill with BPAY withdraw cash from an ATM (domestic and international) pay with your Visa Debit card or digital wallet – Apple Pay, Google PayTM and Samsung Pay, as well as Fitbit Pay and Garmin Pay. Can I create a PayID for my ubank accounts? You sure can! Head to ‘Settings' in the app to create your PayID by linking your registered mobile number or email address to any of your Spend or Save accounts. Once you've set up your PayID, instead of sharing your BSB and account number with your friends, simply let them know your PayID and you'll receive the money instantly into your chosen account. You sure can! Head to ‘Settings' in the app to create your PayID by linking your registered mobile number or email address to any of your Spend or Save accounts. Once you've set up your PayID, instead of sharing your BSB and account number with your friends, simply let them know your PayID and you'll receive the money instantly into your chosen account. Which financial institutions can I connect accounts from? At the moment you can connect accounts from over 100 banks and financial institutions in Australia – and we'll keep adding to this list. If there's a financial institution you'd like us to add, please contact us and we'll look into it for you (they'll need to have an online banking website and not require extra authentication such as an SMS or token to log in). At the moment you can connect accounts from over 100 banks and financial institutions in Australia – and we'll keep adding to this list. If there's a financial institution you'd like us to add, please contact us and we'll look into it for you (they'll need to have an online banking website and not require extra authentication such as an SMS or token to log in). What kind of accounts can I connect? You can connect your other transaction and savings accounts, credit cards, home loans and personal loans. We have added some superannuation and investment accounts and we'll be adding more in the near future. You can connect your other transaction and savings accounts, credit cards, home loans and personal loans. We have added some superannuation and investment accounts and we'll be adding more in the near future. Let's pass the mic to our lawyer Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google PayTM and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518. Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google PayTM and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.
ubank
Help centre
Got some important questions for us? Our top FAQs How do I earn bonus interest? What limits apply to my Visa Debit card? What are ubank's transfer limits? Do I need to tell ubank I'm travelling overseas or making international transactions? How do I log in to online banking? What do I do if I've forgotten my password or passcode?
Home loans
Home Loan Interest Rates
Interest rates and fees Home loan interest rates and fees Here's all our cards on the table We've put together all the rates and fees for each of our home loans. If any of the following terms sound foreign to you, we've got a breakdown of some of the home loan lingo. Neat variable home loan rates Take it back to basics with no annual fee and a low variable rate. Owner occupied Investor VariablePrincipal and interest (P&I) Flex variable home loan rates Get variable rates with lots of options and 100% interest offset with multiple Spend, Bills and Save accounts. Owner occupied Investor VariablePrincipal and interest (P&I) VariableInterest only (IO) Flex fixed home loan rates Avoid the unexpected by fixing your rate for up to 5 years. Owner occupied Investor FixedPrincipal and interest (P&I) with aLVR up to 60% lvrown60 lvrown70 lvrown80 lvrown85 lvrinv60 lvrinv70 lvrinv80 Owner occupied Investor FixedInterest only (IO) with aLVR up to 60% lvrown60 lvrown70 lvrown80 lvrinv60 lvrinv70 lvrinv80 Do you have a UHomeLoan? Head here to see UHomeLoan rates Ready to apply? Our key home loan fees Here are some of the key fees you might pay with each loan. Depending on how you use your loan, you may have to pay other fees and charges. To prepare your loan documents and arrange settlement of the loan. To manage accounts and any changes to your loan. Lock in your fixed rate for 90 days from the application date. To discharge your property at your request. Let's pass the mic to our lawyer Read our Home Loan Terms. Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements. Home loan information and interest rates are for new loans only and are subject to change. 1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage. Read our Home Loan Terms. Credit criteria, fees and charges apply. Applicants must live in Australia and meet eligibility requirements. Home loan information and interest rates are for new loans only and are subject to change. 1Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For a personalised comparison rate that applies to your proposed loan, see the Key facts sheet. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Interest rates are applicable at the time of loan approval and are based on the loan to value ratio (LVR). The LVR is the amount of the loan compared to the property value expressed as a percentage.
ubank
You’re invited to join ubank
You're invited to join ubank Score $30 for feel good spending Give us a go and get $30 when you make 5 card purchases in your first 30 days. Ts&Cs apply. 3 easy steps How to claim your $30 Download the ubank app Sign up in the ubank app from the app store or Google play store. Download the ubank app Sign up in the ubank app from the app store or Google play store. Enter the referral code Enter the 6 letter code sent to you. Enter the referral code Enter the 6 letter code sent to you. Get rewarded You'll score $30 after you make 5 card purchases in the first 30 days. Get rewarded You'll score $30 after you make 5 card purchases in the first 30 days. To join us, you need to be over 16 years old and an Australian citizen or permanent resident. Join us today What's in it for you Forget fees!No monthly fees or international card payment charges No monthly fees or international card payment charges Great interest ratesEarn bonus interest on up to 10 Save accounts Earn bonus interest on up to 10 Save accounts No more split billsShared accounts mean no more split bills or transfers Shared accounts mean no more split bills or transfers Bank your wayUse our award-winning app or online banking Use our award-winning app or online banking Start spending straightaway How to use your invite code It takes just minutes to sign up and enter your mate's code – you'll be closer to that bonus $30 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. 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, Fitbit Pay, Garmin Pay or your ubank Visa Debit card within 30 days of signing up. That's it! You and your mate will receive a $30 bonus in your Spend account within a couple of days. FAQs Have any questions? Where do I find my invite code to share? Make sure you've updated to the latest app version, then head over to “Settings” in the app to share your invite code with your friends and family. Make sure you've updated to the latest app version, then head over to “Settings” in the app to share your invite code with your friends and family. How many friends can I invite? You can share your invite code with as many friends as you like. When the eligibility criteria is met, you'll receive a bonus for each friend that signs up using your code and makes 5 card purchases in their first 30 days of signing up. You can share your invite code with as many friends as you like. When the eligibility criteria is met, you'll receive a bonus for each friend that signs up using your code and makes 5 card purchases in their first 30 days of signing up. When will I get the referral bonus? Once your friend has signed up using your invite code and made 5 card purchases within their first 30 days, please allow a couple of days for the bonus to appear in your Spend account. Once your friend has signed up using your invite code and made 5 card purchases within their first 30 days, please allow a couple of days for the bonus to appear in your Spend account. I haven't received the bonus yet 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 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 Offer terms and conditions Effective 1 February 2024, 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 1 February 2024 and 31 March 2024 (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 February 2024 and 31 March 2024 (inclusive). Effective 1 February 2024, 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 1 February 2024 and 31 March 2024 (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 February 2024 and 31 March 2024 (inclusive). Let's pass the mic to our lawyer Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google PayTM and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Read our General Terms and Fees and Limits. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Android, Google PayTM and Google Play are trademarks of Google Inc. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Get our app and sign up today in minutes
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