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Bank AccountsReferral needed

Up

Slick app-based bank with smart spending insights, no fees, and a referral bonus.

Sign-up bonus~$18–30 for new customers via a referral code, paid after first card purchase (amount varies by code) — verify current offer
Est. value~$18–30 signup bonus + fee-free banking with no FX fees on international purchases
RegionAU

What you get

Free everyday account; smart spending categorisation; 2Up joint account feature; competitive Saver rate; no international transaction fees on Visa; integrates with Apple Pay and Google Pay.

Before you start

  • New Up account only
  • AU mobile number
  • 18+

How to join

  1. 1
    Get a referral link from OzBargain's Up Bank referral thread
  2. 2
    Download the Up app (iOS or Android) and sign up using the referral link

    Requires AU phone number; identity is verified entirely in-app.

  3. 3
    Activate your Visa debit card when it arrives in the post
  4. 4
    Open a Saver account to earn bonus interest on top of the base rate
💡 Referral tip

Get a referral via OzBargain's referral threads/randomiser so both you and the referrer get the bonus.

Risks

  • Signup bonus is modest (~$18–30) — the main value is ongoing fee-free banking and no FX fees
  • Up is backed by Bendigo Bank (APRA-licensed ADI); deposits are government-guaranteed up to $250,000
  • Referral bonus terms change — verify at time of signup
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