Award-winning online bank
A great rate to help you get ahead with your money
Up to
5.00% p.a.
Variable interest rate on your Save accounts. Bonus interest criteria applies.
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Get your money moving
Spend & Save
Spend with confidence and become a more successful saver.
Home loans
With a quick decision our home loans will put you on the financial fast track.
Banking app
See your money in one place and track your spending to stay on top.
Spend account
Spending you can feel good about
We don’t charge any monthly fees on any Spend accounts, or on any international transactions.
It’s okay to see other banks – connect your accounts from over 180 financial institutions in one app.
Get automatic predictions of your regular payments, bills, and subscriptions from over 200 companies, and track your spending with Spending Footprint.
Spend your money your way, straightaway. Set up your digital wallet with Apple Pay, Google Pay™, Samsung Pay, Fitbit Pay, and Garmin Pay.
Save account
Become a more successful saver
Earn interest up to 5.00% 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.
Give us a go and score $20!
Get set up in minutes and use the referral code BONUS20 to get $20 after 3 card purchases in your first 30 days.
Available during offer period. Ts&Cs apply.
Available during offer period. Ts&Cs apply.
Get started
Home loans
Choose a home loan to get on the financial fast track
Variable rates from 5.84% p.a. | 5.86% 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.
Why ubank
We’ll help you build momentum with money
Forget fees
No monthly fees on any of your Spend or Save accounts
Bank your way
Clearly see your money and spending in one app
Talk with a real person
Get help from a friendly member of our Australian-based team
Cashback offer terms and conditions
Let's pass the mic to our lawyer
Get our app and sign up today in minutes
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