Get your money moving
Earn up to 1.85% p.a.
From 1 July 2022, we’ll be increasing our bonus interest rate to 1.75% p.a. for both our Save and USave accounts. Our base rate will remain at 0.10% p.a., meaning you’ll be able to earn interest up to 1.85% p.a. across all your eligible ubank accounts.
Spending you can feel good about
It’s okay to see other banks – connect your accounts from over 140 financial institutions to see them all in one app.
Take the guesswork out of spending with automatic predictions of your regular payments, bills and subscriptions from over 200 companies.
Spend your money your way, straightaway. Set up your digital wallet with Apple Pay, Google Pay™, Samsung Pay, Fitbit Pay and Garmin Pay.
Tired of wondering where your money went? Spending Footprint automatically sorts your transactions into categories for you.
Become a more successful saver
Earn interest up to 1.35% p.a. on a combined balance of up to $250K across all your Save accounts.
To earn bonus interest, you’ll just need to have a Spend account and deposit $200+ per month (not including internal transfers) into any of your Spend and Save accounts.
Set up a savings target for each of your Save accounts and get your savings on track.
We’ll send you friendly nudges to help you earn your bonus interest.
Choose a home loan to get on the financial fast track
Variable rates from 2.64% p.a. | 2.65% p.a. comparison rate¹, for owner occupied, principal and interest loans up to 60% LVR.
Get the option of 100% interest offset with multiple Spend and Save accounts and pay off your loan faster.
Budget with confidence by locking in a rate for up to 5 years with our Own fixed loan.
Skip the never-ending forms and sign up from home with our simple online application process.
Give us a go and score $20!
Get set up in 2 mins and use the referral code BONUS20 to get $20 after 3 card purchases in your first 30 days.