Open a Ubank account in minutes and start doing money better. Ubank is a digital bank built to simplify budgeting and everyday money management, helping you save money, track spending, and manage bills online. With simple tools and clear insights, you can take control of your banking, savings goals, and long-term financial plans.
What you can do with Ubank
Everyday Banking
• Open a digital bank account with no monthly account fees
• Use any ATM in Australia or overseas with no fees from Ubank†
• Start spending instantly by adding your digital card to your wallet
• Create Shared accounts to manage money with a partner, housemate, or family member
Budgeting & Bills
• Track your spending in real time
• Pay Cycle syncs your income with bills and expenses, so you know what’s left to spend
• Split Income helps you divide your pay when it arrives
• Use a dedicated Bills account and Bill Planner to prepare for upcoming expenses
• Link external bank accounts with Connected Accounts to see your money all in the one place
Savings
• Earn bonus interest on savings up to $1M per customer when our simple bonus interest criteria are met*
• Open up to 10 online savings accounts
• Set Savings Targets and track your progress
Security
• Bank grade encryption and passkey login to help keep your accounts safe
• An Australian based call centre available 7 days for any of your queries
Home Loans with Ubank
Ubank also offers home loans for owner-occupiers and investors, including refinancing options. You can apply for a Ubank home loan online with a simple, paperless application and receive support from local home loan specialists.
How to open an account
Download the app to get started in minutes with Ubank’s money system – separate accounts for saving, spending and bills, plus smart tools to help you manage your money with ease.
Signing up with a bonus code? See the terms and conditions below for more details.
Important information
Ubank is part of NAB and uses advanced encryption technology to protect your money. 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. 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
† Some merchants and ATM operators may charge a fee *Bonus interest is payable on total savings up to $1 million. To earn bonus interest you must have a Spend account, and your total savings must have grown by at least $1 as at the end of the month (excluding accounts that are linked as offsets at the end of the month). Earned Interest doesn’t count towards this $1. Read our full Welcome Bonus Rate and Everyday Bonus Rate terms at https://www.ubank.com.au/help/current/everyday-banking/earning-interest/how-do-i-earn-bonus-interest. Signing up with a bonus code? Read our Welcome Bonus Offer terms at http://ubank.com.au/campaigns/welcome-offer. Using a different bonus or referral code? Please see the offer terms provided with that code.
Apple, the apple logo and iPhone are trademarks of AppleInc., registered in the U.S. and other countries. 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
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
We got out the spirit level this release. Nothing you'll notice on the surface — just a few things quietly straightened up behind the scenes so everything sits plumb.
Version 11.344.4
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
121.8 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 has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.