Up is a digital bank designed to help you organise your money and simplify your life.

5 Stars! - "The BEST banking app I have EVER used!! And I've used a few." - Michelle Black
5 Stars! - "Absolutely epic banking app" - Pres Chu

Join more than 200,000+ Upsiders and up your banking game. Download, sign up, and start using Up in minutes. With no monthly or annual fees for you to worry about, Up is backed by one of Australia's most trusted brands (Bendigo and Adelaide Bank).

Smarter spending:

* Get Apple Pay during sign up.
* Transfer money instantly with PayID using Osko.
* See when, where and how you spend your money with company logos in-app.
* Always know your balance, with instant notifications for every purchase.
* See your spending with each company, even when you shop at different locations.
* Peace of mind when shopping overseas, with no international purchase fees online or in-person.

Understand your spending habits:

* Automatically categorises your spending, no spreadsheets required.
* Recognises your regular bills and subscriptions, so you can plan ahead.
* Predicts your upcoming charges automatically, helping you avoid late fees.

Effortless saving:

* Create multiple Up Savers from within the Up app in just seconds.
* All of your Up Savers (up to $50k) are eligible for bonus interest when conditions are met (
* Round-up your transactions for faster progress towards your savings goals.
* Boost your round-ups between $1 and $10 to really super-charge your savings.
* Up’s Pull-to-Save feature is a delight, making it fun to save again.

And much more:

* In-app card controls, for fine-grained control of how your card is used.
* Real-time monthly spend comparisons, categorised and automated.
* Hosted on Google Cloud Platform, for speed and scale.
* A real-time transaction view made for humans.
* Chat with us anytime you want, we’ll respond with support ASAP.
* Convenient Apple Watch app, you can set up with proximity.
* Search Up transactions with iOS Spotlight Search.
* Transfer money with your voice using Siri.

Products issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178. Please read T&Cs before making a decision.

What’s New

Version 1.15

+ Make breaking down borders a breeze. International payments powered by TransferWise have arrived. Get a fast, easy and cheap way to move your money overseas. Strap in for 48 different currencies, no surprise fees, fast set up, and a whole lot of easy. Relax and move freely around the cabin, paying friends and family overseas has officially reached cruising altitude.

+ Monthly Insights will now tell you if you're on track to be the hero of your savings story with total change in savers, total savings in or out, total payments and total purchases. You're a professor of precision with total clarity.

Ratings and Reviews

4.4 out of 5
30 Ratings

30 Ratings ,

Unable to register

The description does not say where are the available countries. My phone number does not work with it (the next button is inactive). I guess it does not work here (in Hungary)..

Developer Response ,

Thanks for your feedback. Unfortunately, as you have found, we currently only support Australian accounts and phone numbers. We'll add this information to the app description to better inform future users.

UnverifiedUser ,

It was Over before it even Started

Was sent the Link from a friend, Installed the App first on my Android and attempted to Signup. Continuous Unexpected Error message displayed upon entering the Verification Code Sent to me..... I then proceeded to install it on my iPhone to see if I could get it to which I just received the notification that I have to many Failed Verification Attempts....To be honest I’m probably not gonna waste my time attempting it again so to make sure this doesn’t happen with your other potential customers you might wanna get on to that pretty quick.....Seemed like it would of been a decent app to use to which is a shame.....

Developer Response ,

Hi there, we are sorry you're experiencing issues during sign up. If you could email we'd love to look into it further (please include your phone number so we are able to look you up).


Up Money Pty Ltd
103 MB

Requires iOS 10.3 and watchOS 5.1 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


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  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

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