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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 and USpend transaction account with us first.
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.
^Things you should know
Any advice on this webpage has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this webpage, you should consider whether it is appropriate for your circumstances. We recommend that you read and consider the Terms and Conditions for Transaction Accounts, the Terms and Conditions for Savings Accounts and our Financial Services Guide before making any decision. Our transaction and savings products are issued by UBank.
The Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay, the Google Pay logo, Google Play and the Google Play logo are registered trademarks of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.