The UBank app gives you access to our award-winning savings and transaction accounts, great rates, savings tools and travel perks.


● You can open an account in minutes on the app.
● Open both a USave savings account and a USpend transaction account, follow some easy steps to meet the bonus interest criteria and you could unlock a competitive bonus interest rate on up to 10 savings buckets. (Check out the eligibility criteria in the app or at
● No UBank fees on USave and USpend.


● Free2Spend, your daily spend tracker, lets you know how much you have left to spend each day, after bills and savings goals.
● Optional features like Sweeps, which moves your money between your accounts, helping you earn more interest on your savings while making sure you have enough in your USpend account.


● We don’t charge international or ATM withdrawal fees overseas (but ATM owners and stores might).
● Super secure overseas banking.
● Push notifications that ensure you approve all payments.


● With no branches, we pass on the savings to you and our other 600,000 customers.
● Great rates and Aussie-based support teams.
● Extra convenience – pay bills with BPAY or spend on-the-go with Apple Pay, Garmin Pay or FitBit Pay.
● Super quick and secure log in with Touch or Face ID (on compatible devices).
● Your savings with UBank are government guaranteed, up to the value of $250,000 per customer per financial institution.
Important information:
Subject to network provider coverage.

® BPAY is a registered trademark of BPAY Pty Limited ABN 69 079 137 518.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate for your circumstances. We recommend that you read and consider the relevant Terms and Conditions for our products and our Financial Services Guide available at before making any decision. Credit criteria and fees and charges can apply.

UBank is a division of National Australia Bank Limited ABN 12 004 044 937, AFSL and Australian Credit Licence 230686. UBank is the issuer of the USpend and USave products. For our home loan products, the credit provider is AFSH Nominees Pty Ltd ABN 51 143 937 437 Australian Credit Licence 391192. UBank is the mortgage manager for our home loan products.

What’s New

Version 1.25.0

We've refreshed the home screen so your accounts are now grouped together for ease! You can also see your Home Loan transactions in the app as well as setting your USpend Card PIN. Other than that we just made a few updates to keep you safe and bug free.

Ratings and Reviews

4.6 out of 5
14.1K Ratings

14.1K Ratings

I don't like the ads so much ,

Best bank - One problem

I love this bank. I think it’s the best bank in the country. The app and the website are a little convoluted but the rate they offer on home loans renders all of that irrelevant. My only issue with it is that sometimes when I’m completely tanked coming out of the pub and I’m sideways trying to get myself sorted. I try to get an Uber but I press on the Ubank app logo and it’s about as confusing a thing as can happen in that state.

Developer Response ,

Glad to hear you love banking with us.
We're keen to hear your thoughts on how we can make the App experience better. You can submit feedback by navigating to the More menu > Feedback & ideas. ^Steph

Lucky Pierre 2 ,


I just updated to the new app (iOS) and thought straight away that it might be a scam app. The new black sinister look, the text is like something out of a 1960’s manual typewriter and the log-out icon is new to me. Most apps have this named or under the Settings dropdown. Why the black look. I was almost considering calling UBank to check that they had actually upgraded their old green better looking app to this one. Also why no option to login with a PIN number like all my other banking apps? With all the other 4 and 5 star reviews I must be missing something.

Puppetfan ,

Doesn’t work overseas

I set up UBank debit card for overseas travel but the app keeps crashing with “Something went wrong. Please try again.” when I tried to login to check balance overseas. I made an international call to the Helpdesk, and after 30min wait, I was told the app only works on certain countries and the country I was in is not one of them! Why are you promoting $0 fee on overseas use but not telling customers app doesn’t work outside Australia! I was told to use login via the website but that didn’t work either!

Developer Response ,

Hi Puppetfan, thanks for your patience while we worked through a few issues with our app. Everything should be working now. If you still have any issues, please get in touch with us on our Facebook page. Thanks!

App Privacy

The developer, NAB, 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:

  • Other Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Other Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • User Content
  • Search History
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

You May Also Like