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Spend & Save


SPEND & SAVE

Accounts to help you get on top of your money and share your finances
Explore Spend & Save
 * Spend with confidence
   Our Spend account gives you more visibility so you can feel good about how
   you spend
 * Become a successful saver
   Our Save account comes with great rates and savings tools to help you get
   ahead
 * Share your finances
   Open your shared account in just a few seconds to Spend or Save with your
   partner-in-finance
   

Home loans


OUR HOME LOANS

A perfect mix of home loan options with a simple online application
Explore home loans
 * I’m buying
   Find info and a mix of loan options to buy your first or next home
 * I’m refinancing
   Switch to ubank and get the benefits of an award-winning home loan
 * I’m investing
   Get on the ladder, rentvest, or grow your investment property portfolio
   


I WANT TO ...

 * View calculators
 * Explore home loan rates & fees
 * Start my application
 * Continue my application
 * Get Key Facts Sheet
 * Manage my loan
   

Our banking app
Why us


WHY US

We're here to help you get ahead with your money
 * About us
   Learn more about our mission to help you be more successful with money
 * Newsroom
   Explore our latest news & stories
   

 * Our roadmap
 * Meet the team
 * Careers
   

Get help


GET HELP

We're here to support and help you feel good about your finances
 * Help centre
   Explore the answers to our most frequently asked questions
 * Contact us
   Need help or have an inquiry? Get in touch with us today
   

 * Original ubank products
 * Forms for original ubank products
 * Tips and guides
 * System status
 * Staying safe online
 * Domestic violence support
 * Financial hardship
   

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 * Spend & Save
 * Home loans
 * Our banking app
 * Why us
 * Get help
   


AWARD-WINNING ONLINE BANK


A GREAT RATE TO HELP YOU GET AHEAD WITH YOUR MONEY

Up to

5.10% p.a.

Variable interest rate on your Save accounts. Bonus interest criteria applies.

Find out more



 * BANKING
   
   Spend account Save account Shared account


 * HOME LOANS
   
   Buy a property Refinance my loan Invest in a property


 * TOOLS
   
   Calculators Home loan rates & fees Banking app


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.

   

Meet our Spend account


SAVE ACCOUNT


BECOME A MORE SUCCESSFUL SAVER

 * Earn interest up to 5.10% 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.

   

Meet our Save account


HOME LOANS


CHOOSE A HOME LOAN TO GET ON THE FINANCIAL FAST TRACK

 * Variable rates from 6.09% p.a. | 6.11% p.a. comparison rate1, for Neat 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 Flex
   fixed loan.

 * Skip the never-ending forms and sign up from home with our simple online
   application process.

   

Get to know our home loans


WHY UBANK


WE’LL HELP YOU BUILD MOMENTUM WITH MONEY

 * Forget fees
   
   No monthly fees on any of your Spend or Save accounts

 * Government Guarantee
   
   Deposits guaranteed up to $250k per customer2

 * 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

   

 * Let's pass the mic to our lawyer
   
   Read our General Terms and Fees and Limits.
   
   Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in
   the U.S. and other countries. App Store is a service mark of Apple Inc.
   
   Samsung and Samsung Pay are trademarks or registered trademarks of Samsung
   Electronics Co.
   
   Android, Google Pay and Google Play are trademarks of Google Inc.
   
   Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit,
   Inc. in the U.S. and other countries.
   
   Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd.
   or its subsidiaries and are registered in one or more countries, including
   the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
   
   BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.
   
   Read our Home Loan Terms.
   
   Credit criteria, fees and charges apply. Applicants must live in Australia
   and meet eligibility requirements.
   
   Home loan information and interest rates are for new loans only and are
   subject to change.
   
   1Comparison rates are calculated on a loan amount of $150,000 for a term of
   25 years. These rates are for secured lending only.
   
   WARNING: The comparison rates are true only for the examples given and may
   not include all fees and charges. Different terms, fees or other loan amounts
   might result in a different comparison rate.
   
   For a personalised comparison rate that applies to your proposed loan, see
   the Key facts sheet.
   
   Comparison rates for variable interest only loans are based on an initial 5
   year interest only period. Comparison rates for fixed interest only loans are
   based on an initial interest only period equal in length to the fixed period.
   Interest rates are applicable at the time of loan approval and are based on
   the loan to value ratio (LVR). The LVR is the amount of the loan compared to
   the property value expressed as a percentage.
   
   2Our deposits are guaranteed up to $250,000 per customer under the NAB
   banking licence by the Australian Government’s Financial Claims Scheme.

   


GET OUR APP AND SIGN UP TODAY IN MINUTES

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OUR PRODUCTS

 * Spend
 * Save
 * Shared
 * Our banking app
 * Our home loans
   


WHY US

 * About us
 * Newsroom
 * Our roadmap
 * Careers
   


GET HELP

 * Help centre
 * Contact us
 * Original ubank products
 * System status
 * Security
 * Domestic violence support
 * Financial hardship
 * Broker Portal
   


LEGAL STUFF

 * Privacy
 * Consumer Data Right
 * General terms
 * Fees and Limits
 * Connected Accounts terms
 * Home loan terms
 * Neat and Flex Credit Guide
 * UHomeLoan Credit Guide
 * Complaints policy
 * Target market determinations
 * Banking code of practice
   

Products issued by ubank, part of National Australia Bank Limited ABN 12 004 044
937 AFSL and Australian Credit Licence 230686 (unless otherwise stated). This
information is general and doesn't take your personal situation into account.
Please take the time to make sure it's right for you.