86 400 Smart Bank


We’re Australia’s newest smartbank, designed to help you take control of your money.

We’re doing things differently by:
• Showing you all your bank accounts in one place (not just your 86 400 ones), so you can see your full financial position
• Alerting you to your upcoming bills and subscriptions, so you never get stung by nasty late fees again
• Letting you know you’re on track to earn your full bonus interest rate each month
Now that’s smart, and it’s just the beginning!

Give it a go and get 2 accounts (Pay and Save) with $0 monthly fees, a great interest rate and access to Google Pay™ and Samsung Pay too, of course.

Our accounts, and all our products for that matter, are designed for fairness– just put $1,000+ each month into either of your 86 400 accounts and the bonus interest rate is yours. You can even take your money out without affecting your bonus rate whenever you want because life’s unpredictable and it’s your money after all.

We’re also shaking up the way you see your spending and savings with a simple insights dashboard that:
• Tracks your savings and spending across all your accounts (even your money with other banks)
• Cuts through the noise and shows you how much you’re spending against how much you earn
• Tips you off to simple actions you can take to better manage your money

Plus all the usual stuff you’d expect from a bank, like:
• A good looking Visa Debit card
• Fee free ATM withdrawals from over 10,000 ATMs in Australia
• Support from a helpful call centre
• Instant payments via Osko
• Access to Fitbit Pay and Garmin Pay

And just in case you’re wondering, your money is safe with us as we are free from legacy technology and have the most advanced security and we’re also backed, like all other Australian banks, by the Federal Government up to $250,000 per customer.

Try 86 400 today - it’s free to download and takes less than 2 minutes to sign up.
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Additional information

29 September 2019
Current Version
Requires Android
7.0 and up
Content Rating
Offered By
86400 Ltd
Level 1, 89 York Street Sydney New South Wales Australia
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