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At UBank, there’s a couple of things we think about when we wake up every morning. How can we provide the best possible customer experience and how can we be just the bank you need? Nothing more, nothing less.

Two of our biggest aims are to be refreshingly honest with our customers and to do things differently. But what does this actually mean? How does UBank operate differently and what benefits do we get to pass onto you as a result?

We’re digital & innovative

First up, we’re an online bank with a digital home loan and banking offering*. Not only does this mean applying for a home loan or savings account is a swift and simple online process, it also means there are no overheads associated with physical branches. We get to pass the savings straight on to you in the form of great interest rates and no ongoing** fees.

We’re competitive

Our home loan rates are really competitive in the current landscape and we don’t hide anything. Hidden fees? Not our style. Ongoing account keeping fees? No thanks. In fact, if you check out our comparison rates you’ll see they match the variable rate across our Owner Occupier and Investor home loans, because like we said, we’re not into hiding anything, especially extra costs.

We love our people

Coming to work at UBank isn’t like coming to work at any other bank in Australia. We’re a small bank doing big things and we look for creative people who want to contribute, create and disrupt the norm.

Leading by example

This starts from the top down. We’re one team at UBank which means everyone, from our Leadership Team to our Team Leaders and Advisors, is 100% accessible and transparent.

“UBank’s culture is what sets us apart. I’ve been in banking for more than 15 years and the reason I love coming to work every day has a lot to do with the drive our people have to help UBank do things differently.” – Lee Hatton, UBank CEO

Our people love helping you

Customer service is our bread and butter and our team of Customer Service Advisors all work out of our Sydney office to provide 100% local support across social media, LiveChat, Secure Mail as well as the phone, if you ever need to have a more in-depth chat. Providing the best possible customer experience is at the heart of everything all our teams do at UBank, so we’re constantly listening to our Advisors and customers to better understand how we can improve based on what our customers actually need and want.

Less is more, happiness is everything

We don’t want people to be stressed and worried over money and do what we can to help people live a happier life. That’s why with UBank, there’s no unnecessary extras. Sure, we offer a smaller product range of home loans and banking products than other financial institutions in Australia, but plain and simple, we have everything you need for an easy-to-use banking experience, and nothing you don’t.

What could be simpler, better and smarter than that?

* Dependent on the state you live in as some states will require paper signing on parts of the home loan application document.

** The only fee you’ll pay at UBank is a $395 fee to lock in a fixed home loan rate.