Up — Simplify Money

25.5K reviews
Content rating
Everyone
1M+
Downloads
Content rating
Everyone
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About this app

Simplify Money, Amplify Life.

Up is designed to make money easy for everyone. Open an account in minutes and join over 1,000,000 Australians experiencing the financial control of Up.

* Put your budget on cruise control. Say goodbye to nasty surprises, know where every buck goes and how much you can spend.

* Map out Savers for the things you want and need. Up has the tools to make filling them up a breeze. The only winner in this game is you.

* Money with mates just got easy. Slice bills and request cash from your mates (we'll handle the reminders). Send money with a chat and a gif. Ready to go multiplayer? Fight finances in co-op mode with 2Up.

* We've got your back no matter where you're at. Up is your best companion for overseas travel, equipped with tools that allow you to speak the language of money no matter where you are in the world.

* Get fast support from real humans, 18 hours a day, 7 days a week. Message our locally-based crew in-app via the Talk to Us tab.

Get set up in minutes and experience firsthand why life's better on The Upside.

T&Cs @ up.com.au/terms. International money transfers performed by Wise. Up is a brand of Bendigo and Adelaide Bank Limited, ABN 11 068 049 178, AFSL and Australian Credit Licence 237879. Any advice provided is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Registered address: The Bendigo Centre, Bath Lane, Bendigo, Vic, 3550.
Upgrade your banking
Updated on
Oct 5, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • No data shared with third parties
    Learn more about how developers declare sharing
  • This app may collect these data types
    Location, Personal info and 4 others
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

25.1K reviews
Samantha
August 27, 2026
I used to really love this banking app, but all throughout this year, there have been many issues with outages where you can't transfer money or use your card. It's quite frustrating when you need to transfer money into your account to pay for groceries and you can't actually pay for them.. There have even been times where payments going into accounts have been delayed :(
24 people found this review helpful
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Cat Claessens
August 26, 2026
Fun to interact with and great for managing money in 'buckets' to save. also a very good savings interest rate right now. I would LOVE if the UX could be made a little more intuitive to navigate though; for example: 1. the pages at the top could be scrolled without having to leave the current page 2. more to explore should be the last page (my own accouynts should be the first page I land on- quick, easy, accessible). 3. Under Talk to Us it'd be awesome to have FAQ permanently there :)
1 person found this review helpful
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Jesse Booth
September 3, 2026
Amazing experience, I have ADHD and banking, saving and overspending has literally always been my biggest struggle, queue UP bank, I joined them fairly early on and didn't really look into it much but a year or so ago I decided to look into it again after hearing/seeing such positive feedback and I can 💯 recommend them! so user friendly, interactive and amazing and supportive customer service. cannot recommend them enough!
6 people found this review helpful
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What’s new

+ Up Home is opening a new door this week. What’s on the other side? You’ll have to wait and see.

+ General tinkering, bug bothering and making things behave themselves. Light work.