In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert
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Up Everyday Account Review

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Up Everyday Account
3.9
★★★★★
Account keeping fee
$0
ATM withdrawal fee
$0
Overseas ATM withdrawal fee
$0

Summary

Up's everyday account has no account keeping fees or foreign transaction fees and gives you detailed insights into your spending.

Up offers an everyday account for your daily spending and a bonus savings account that pays you a competitive interest rate. The everyday account is completely managed via the app, and offers a bunch of handy digital tools and features to help you manage your money.

Pros

  • Spending insights
  • Bill detection and reminders
  • Available on Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
  • No International ATM fee at most major bank ATMs

Cons

  • Card delivery time

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask an expert

Details

Key details

Product Name Up Everyday Account
Monthly account fee $0
Card access Mastercard
Own network ATM fee $0
International transaction fee 0%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Eligibility

Minimum Age 16
Joint account availability No
Minimum opening deposit N/A

Key features

You can sign up for an Up transaction account in a couple of minutes and it's compatible with both Android and iOS. You'll be able to get a PayID on application to make instant payments to other bank accounts and you'll receive your Up card in 5-10 days. While you're waiting for your card to arrive, you can set up Apple Pay, Google Pay or Samsung Pay and start making contactless purchases with your smartphone instantly.

When you use the card, your transactions are automatically categorised and you'll receive real-time reports. You'll also have more visibility into your spending with details such as merchant IDs, the time of day you made the purchase and the location being available. Up also automatically detects your regular bills and predicts when they will next occur.


How to apply

Up transaction and savings accounts are available to individuals over the age of 16. You just need $1 in the account to get started.

Ask an expert

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Elizabeth Finder

Lead Editor

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Phil

September 30, 2023

Hello. Just a quick question.

Once I’ve purchased a card and deposited money on to it, Will I be able to use the card for purchases online straight away? Before it arrives in the mail ?

Thanks,


Also just wanted to say this,

This is my first time using Finder, and i think it’s brilliant.


I spent way too long reading through the “ask an expert “ section though , because I enjoyed it.

It got me thinking….. “Wow I should get back to work lol.


Some great questions were asked, and all were answered politely and accurately.


I noticed there when an expert replies to a question, a little profile pic of the expert pops up. That’s awesome, because the experts are not only super helpful, But also super attractive.

( In a professional sense of course. ) also

It would be fun to read a brief bio about each


Oh, and one more thing.

Whoever the “lucky expert is that gets to read this, can you do me just 2 small favours pretty please?


1…. Keep up the great work!

2…. Could you please tell Sarah Megginson that she’s a walking, talking reason to live. What a wonderful woman she is. Inside and outside.


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Shubham Pandey Finder

October 23, 2023

Hey Phil,


Thank you for your kind words and feedback! We truly appreciate your positive feedback about our company and our dedicated employee. Your satisfaction is our priority, and we’re delighted to hear about your positive experience.


Regarding your question, please find the answer below.


You can sign up for an Up transaction account in a couple of minutes and it’s compatible with both Android and iOS. You’ll be able to get a PayID on application to make instant payments to other bank accounts and you’ll receive your Up card in 5-10 days. While you’re waiting for your card to arrive, you can set up Apple Pay, Google Pay or Samsung Pay and start making contactless purchases with your smartphone instantly.


Also, I’ll make sure your message reaches Sarah :)


Many thanks.


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anthony

March 28, 2023

How do you put money on the card as there is no info on this and i cannot seam to be able to


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Sarah Megginson Finder

April 25, 2023

Hi Anthony,


Your Up spending account has a BSB and Account Number like any other bank account in Australia. You can transfer funds into this account by transferring them using these details. You can also deposit cheques through Bank@Post™ at your local Australia Post outlet with no fees attached.


Hope this helps1


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Ash

October 20, 2022

Will there ever be an option to have more than one card for an account? The only downside I find with Up at the moment is everything comes out of the 1 account, I like to split long term bills and every day transactions instead of tracking everything I spend


Avatar

Alison Banney Finder

November 11, 2022

Hi Ash,


You’ve reached Finder. We aren’t sure what Up’s plans are for its account, you’re best to contact them directly to ask about any upcoming plans to launch mini/sub-accounts.


Thanks,

Alison


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jack

April 04, 2022

Hi there,

Can I just open a UP online account for online shopping purpose and I don’t need any physical card?

Regards


Avatar

Alison Banney Finder

April 06, 2022

Hi Jack,


Yes, you can use the account for online transactions without the debit card.


Best,

Alison


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Andy

July 31, 2021

Hi,


Does Up Bank have an online portal accessible through a standard internet browser, or is it only accessible entirely through a phone app?


Avatar

Alanna Glenn Finder

August 02, 2021

Hi Andy, Up Bank is available exclusively through the Up app.


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