Up’s free everyday account for everyday use. This account comes with a debit card and supports Apple Pay and Osko.
Category: Transaction & Savings Accounts Last Updated January 28, 2024 Effective July 1, 2019
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 half yearly for the Up Everyday 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
Card Access
Digital WalletAdditional Information: Pay with your Apple(TM) device using Apple Pay.
Digital WalletAdditional Information: Pay with your Android(TM) device using Google Pay.
Digital WalletAdditional Information: Pay with your Samsung(TM) device using Samsung Pay.
Digital WalletAdditional Information: Pay with your Garmin(TM) device using Garmin Pay.
Digital WalletAdditional Information: Pay with your Fitbit(TM) device using Fitbit Pay.
Fraud Protection
NotificationsAdditional Information: Customers can receive Apple or Android push notifications to their registered mobile devices, including transaction notifications and weekly summary notifications.
Npp Enabled
Npp Payid
Unlimited Txns
OtherAdditional Information: No monthly service fee.
OtherAdditional Information: No fees for direct debits.
OtherAdditional Information: No fees for online payments.
OtherAdditional Information: No fees for deposits to savers.
OtherAdditional Information: No fees for domestic ATM withdrawals or enquiries.
OtherAdditional Information: No fees on international transactions.
OtherAdditional Information: No fees for overseas ATM withdrawals.
OtherAdditional Information: Configure which types of transaction are enabled on the linked debit card.
Product Eligibility
Min Age - 16.
Bank Fees and Charges
Express Card Delivery Or Redirection (Payment), Amount: 15.00.
Emergency Replacement Cards (Payment), Amount: 100.00. Additional Information: Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.
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.
