Product Library

Up Essentials Saver

Up’s Essentials savings account is a feature of Up High. Easily save for your upcoming bills and earn up to 5.10% p.a. interest, while also spending straight from the savings account.

Category: Transaction & Savings Accounts Last Updated March 31, 2026 Effective April 13, 2025

General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information The interest rate that applies on overdrawn amounts. We may calculate interest on the overdrawn amount on a daily basis, and debit it to your account monthly for the Up Essentials Account, until the overdrawn amount is repaid.

Interest Rate
11.23% PA

Comparison Rate
0.00%PA*

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

Digital Banking

Fraud Protection

Notifications Additional Information: Customers can receive Apple or Android push notifications to their registered mobile devices, including transaction notifications.

Npp Enabled

Unlimited Txns

Product Eligibility

Min Age - 16.

Other Additional Information: Requires a current Up High subscription (including Up High Early Access)

Bank Fees and Charges

Sales Voucher Retrieval Fee (Payment), Amount: 10.00. Additional Information: Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.

Audit Request (Payment), Amount: 60.00. Additional Information: When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us. (minimum charge $30.00)

Bpay Transaction Trace Fee (Payment), Amount: 20.00. Additional Information: When you request us to trace a bill payment you have made through the BPAY scheme.

Bpay Transaction Recall Fee (Payment), Amount: 20.00. Additional Information: When you request us to recall a bill payment you have made through the BPAY scheme.

Pay Anyone Trace Fee (including Osko) (Payment), Amount: 30.00. Additional Information: Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.

International Inward Telegraphic Transfers (foreign) (Event), Amount: 10.00. Additional Information: Acceptance of payments in a foreign currency for SWIFT transfer into your account.

International Inward Telegraphic Transfers (aud) (Event), Amount: 2.00. Additional Information: Acceptance of payment in AUD currency for SWIFT transfer into your account.

Domestic Inward Telegraphic Transfer (Event), Amount: 2.00. Additional Information: Acceptance of a payment from an Australian financial institution for fast transfer into your account.

Domestic Telegraphic Transfer Return Request (Payment), Amount: 25.00. Additional Information: Applies if you request the return payment of a telegraphic transfer.

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