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One number to simplify your finances
Keep your savings goal on track by knowing exactly how much you have to spend each day with our smart budgeting tool.
Tell us your income and typical bills and we’ll calculate your daily Free2Spend number.
How it works
Transfer your pay
Each pay cycle, transfer your income into your USave account.
Our intuitive sweep technology will then automatically transfer funds to your USpend account to pay for your daily expenses and bills.
Your daily Free2Spend number
This is what it’s all about. One number that shows your spending limit for the day. The number will adjust as you spend.
Each day your Free2Spend number resets.
Automatically adjusts
As the cycle progresses, your Free2Spend number automatically adjusts each day.
If you overspend, it will reduce to help you get back on track.
If you underspend, you’ll have more to put towards your savings goals.
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Keep your savings goal on track by knowing exactly how much you have to spend each day.
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View your overall progress at any stage of your current or historical pay cycles.
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Free2Spend will take a savings goal into account to help keep you on track.
Getting started
This smart budgeting tool is available now to both existing and new UBank customers.
Existing customers
All you need is a USave savings account and USpend transaction account and an iPhone running iOS 10+.
Update or download the UBank banking app and set up Free2Spend right away.
New customers
You’ll need to open a USave savings account with us first. Then you can open a USpend transaction account.
You’ll receive your UBank Visa Debit card a few days later.
iOS 10+ only. Works with your USave and USpend. Consider if this product is right for you by reading the product terms, at ubank.com.au, before deciding. The issuer is UBank, a division of National Australia Bank Ltd ABN 12 004 044 937. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
UHomeLoan info: Credit is provided by AFSH Nominees Pty Ltd Australian Credit Licence 391192. UBank is the mortgage manager for UHomeLoan products. Govt charges may apply. The Comparison rate is based on a secured loan of $150,000 over the term of 25 years. ^WARNING: This Comparison rate applies only to the example or examples given. Different amounts and terms will result in different Comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison rate but may influence the cost of the loan.
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