Ubank Money App

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About this app

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.
No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:
- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

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Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, passport, Medicare card or birth certificate).

This is general information and doesn't take your personal situation into account. Please take the time to make sure it’s right for you.

Read our General Terms at ubank.com.au/general-terms

Read our Target Market Determinations at ubank.com.au/tmd

Read our Bonus Offer terms at ubank.com.au/join-ubank

Android, Google Pay and Google Play are trademarks of Google Inc.

Products issued by ubank, part of National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686. Registered Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Ratings and reviews

I spent a while on the phone to Ubank, who notified me seccurity code push notifications are not available with the 'new' app (supported by the previous app) Bad news for anyone overseas.. it is not a travel friendly bank option (as they advertise) if you're overseas you will now need to have roaming on everytime you internally transfer money etc. to receive a code to your Aus number. They suggested I deactivate my account and just use a different bank. Just FYI to any travellers!

I don't care if you're "returning to the original intention" of Save accounts - you proudly made it a selling point on your website when I signed up then dropped it later. I'm more than happy to return the favour by taking my money elsewhere. App-wise, it's a bit slow to use if I need to do a lot of things as loading screens are a tad long, animations feel drawn out, and the success screen is a timed overlay that lingers for too long.

This app is becoming increasingly frustrating. Originally you only had to deposit $200 a month in the USaver account to activate the bonus interest, now it has to be $500 a month and though it's called 'bonus' interest, if you don't reach that goal then you get absolutely zero interest :| Also now you can't send money from your USaver account to anywhere else except to your Ultra account. So to move money outside of Ubank it requires extra steps which make automating movement quite frustrating

What’s new

The perfectionist in us noticed a few uneven areas in the app this week, so we got out the sandpaper and made sure everything was smoothed out and repainted so you'd never know.