Open a Ubank account in minutes for Money Done Better. Ubank is a digital bank that makes money feel simple, easy to understand and more personal. From daily banking to managing your home loan, Ubank has smart features and tools to help you succeed.
What you can do with Ubank:
Spend
• Digital bank accounts with no account or card fees¹
• Spend instantly by adding Ubank to your digital wallet
• Create joint accounts in minutes to share money with your partner-in-finance
• PayID and Osko for instant money transfers (if the other bank participates)
Save
• Open up to 10 no fee savings accounts with high bonus interest that’s simple to earn
• Earn bonus interest on savings up to $1M per customer when bonus criteria are met²
• Set up Savings Targets on each of your Save accounts to track your goals
Travel
• Use your Ubank card overseas instead of a travel card for no fees from Ubank¹
• Withdraw from any ATM with no fees charged by Ubank¹
• No currency conversion fees when you pay in a foreign currency
• A competitive Visa exchange rate on all your international transactions
Budget
• Set Budgets to track your spending on 50 categories and merchants in real time
• Track your Pay Cycle and sync the Ubank app to when your money comes in
• Use a separate Bills account to plan and pay for expenses so you know what’s safe to spend
• Schedule bills and get reminders from the Bill Planner
Buy a home
• Ubank offers home loans for owner-occupiers and investors on new and refinanced loans
• Skip the upfront cost with no LMI on any Ubank home loans
• Buy with as little as 10% deposit
• Easy paperless application online
• Chat to our local lending specialists 7 days a week
And more
• Ubank is part of NAB. You can trust that your money is safe with deposits guaranteed up to $250K³
• Ubank has encrypted passkey login to help keep your accounts secure
• Link external bank accounts with Ubank using Connected Accounts
• An Australian based call centre available 7 days for any of your queries
Download the Ubank app and follow the prompts to get started in minutes. You’ll need valid ID and a unique mobile number.
Signing up with a bonus code? See the terms and conditions below for more details.
Important information
Ubank is open to Australian or New Zealand citizens, or Australian permanent residents. You must be aged 16 or older with an Australian residential address and mobile number to hold an account. If you’re over 18 you will need at least one form of ID (Australian driver licence, Australian passport, or international passport) to sign up. If you’re under 18, you’ll need at least two forms of identification: an Australian driver licence, Australian passport, international passport, Medicare card or birth certificate.
Products issued by Ubank, part of National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686. Registered Office: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia.
Credit criteria apply. Info is general. Consider if it’s right for you. TMDs and product terms at ubank.com.au.
¹Ubank won’t charge you any fees overseas, but some third party merchants and ATM operators may still charge a fee.
²Rates are variable and subject to change. Interest is payable on total savings up to $1,000,000 per customer where bonus criteria are met. To earn bonus interest, you must have a Spend account, and grow the combined balance of your Save accounts by at least $1. Interest doesn't count towards the $1, and special rules apply to offset accounts. For more info about bonus interest, see ubank.com.au/banking/savings-account
³The Australian Government guarantees deposits up to $250,000 per customer, per Authorised Deposit-taking Institution. As Ubank is part of NAB, the government guarantee applies to the combined value of your Ubank and NAB accounts.
Signing up with a bonus code? Read our Welcome Bonus Offer terms at ubank.com.au/campaigns/welcome-offer.
One of the most user friendly mobile apps I have ever had
Developer Response
We're so happy to hear this and thank you for the 5 Stars 🤩! If you have any feedback or suggestions on the app or experience, please let us know.
Dissatisfied.
Brian T. Oliver
I’m an Australian citizen and I have all required documents. Ubank won’t allow me to open an account and they won’t tell me why. No problem with other banks. I’ve stopped trying with Ubank.
Keychain messing with my account
Daps419
Please remove this nonsense icloud Keychain update from the appIt was working just fine with the pin to login its messing with my account now i cant login
Developer Response
Hi, we appreciate the feedback. Using Passkeys means you don’t need to enter a one-time passcode (OTP) or remember a password to sign in to your ubank app. Passkeys are unique to your device and provide protection from phishing and scams. If you are having issues accessing your account using your passkey, please call us on 13 30 80 or send us a DM via our socials and we'll assist you further
Can’t sign up
Davidn134
Bad app won’t let you sign up
This update we've tightened the spokes and topped up the tyres. Just some small fixes to make sure things in the app keep rolling smoothly.
Version 11.441.2
The developer, 86 400 Technology Pty Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Contact Info
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Identifiers
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
86 400 Technology Pty Ltd
Size
141 MB
Category
Finance
Compatibility
Requires iOS 16.4 or later.
iPhone Requires iOS 16.4 or later.
iPad Requires iPadOS 16.4 or later.
Languages
English
Age Rating
4+
4+
This app is rated 4+ with content restrictions.
Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.