Up is a digital bank designed to help you organise your money and simplify your life.
Try Australia’s highest rated banking app (4.9 Stars App Store | 4.8 Stars Play Store).
Get locally‑based support, 7 days a week using Talk to Us in-app.

Next Gen security features and the safety of accounts backed by Bendigo Bank.

Smash your savings goals:

* Create and customise multiple Savers for your life goals instantly.
* Earn interest across all your Savers
* Round-up your spare change with every purchase. Boost your Round-ups to supercharge your savings.
* We’ve got you covered. Split your pay into any of your Savers automatically on pay day.
* Use Covers and Forwards to stick to a budget and save every last cent

Get on top of your spending:

* See where every dollar goes with auto-spend categorisation.
* Get monthly, weekly, and daily insights into your spending habits.
* See all your upcoming bills at a glance. Avoid late fees. You’re on it.
* Automatically track everything you spend at specific brands and shops.
* Always know your balance with instant notifications.

Pay mates & kill bills:

* Stand out from the crowd and get paid to your personalised $Upname.
* Pay easy. Pay instantly. Osko support built‑in.
* Life is a conversation. Up organises your payments in a messenger‑like thread.
* Move it through time. Schedule and repeat your payments down to the minute.
* Prefer BPAY to pay bills? We’ve got that too.

Bank overseas, without the fees:

* No fees on international purchases online or in‑person.
* Get the actual Mastercard exchange rate, with no added conversion or mark‑up fees.
* No fees from Up when you use ATMs overseas.
* Keep it safe. Lock down your card with in-app card controls.
* Instantly see the cost of purchases in both Australian dollars and foreign currencies.
* Make International Money Transfers with TransferWise.

Bank smarter, not harder:

* Get instant Apple Pay™, Google Pay™ and Samsung Pay™ as well as support for Garmin Pay™ and Fitbit Pay™
* Use an Apple Watch app that is a first class banking citizen when you are on the go
* Hands full? Just ask Siri to move some money

Getting better every day:

* Up is always on the move. We’re in the business of shipping software updates ...often.
* Built from the ground up by a team of hardcore tech heads, so we can roll out changes quicker and cleaner than most banks. When we’re fast, you’re fast.
* Teamwork makes the dream work. Use Talk to Us in app to tell us the ultimate wish‑list you want from Up. We’re all ears, all the time.

T&Cs @ up.com.au/terms. International money transfers performed by TransferWise. Bendigo and Adelaide Bank Limited is the issuer of all Up branded banking and financial products provided through Up apps. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.