Up Everyday Account Review

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.

Exclusive offer: Earn a $10 cash bonus when you click through from Finder and create an Up account with the code: FINDER10. This offer is exclusive to Finder and is for new Up customers only.

4.0 ★★★★★ (3 reviews) Write a review


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameUp Everyday Account
Monthly account fee$0
Card accessMastercard
ATM Withdrawal Fee$0
International transaction fee0%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

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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    Default Gravatar
    July 31, 2021


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

      Avatarfinder Customer Care
      August 2, 2021

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

    Default Gravatar
    October 15, 2019

    Is this just a debit card? So you can only spend what money you have deposited. How does one deposit funds? How many vendors do not accept Mastercard?

      Default Gravatar
      October 15, 2019

      Hi Jim,

      Thanks for your comment. Up Bank is digital and all accessible through Up’s smartphone app. If you are looking for debit card access you can choose Up Everyday Account where you have a PAYID and a card. If you have a savings goal, you can opt for the Up Saver Account where you sign up for as many savings accounts as you want instantly from within the app and each will be attached to a specific savings goal.

      Your Up spending account has a BSB and Account Number like any other bank account in Australia. You can also easily nominate your phone number or email address as a “PayID”. Up lets you use your BSB and Account Number, or your phone number or your email address to deposit money almost instantly using “Osko”. Osko provides near-instant payments 24/7 (including weekends) between participating financial institutions.

      As of this writing, our page doesn’t have a list of vendors who does not accept Mastercard. To obtain this information, please check the vendor’s payment options before using your Up card.

      Hope this helps!


    Default Gravatar
    September 4, 2019

    Can we have joint account ?

      Avatarfinder Customer Care
      September 5, 2019

      Hi K,

      Thanks for reaching out to Finder.

      Unfortunately, Up Bank does not currently support joint accounts.

      If you are looking to open a joint bank account, you can use our comparison table to compare your options. When you are ready, press the ‘Go to site’ to apply. Please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      I hope this helps.


    Default Gravatar
    June 5, 2019

    It seems like a great product, with one exception – there’s a $5,000 daily limit on payments to external accounts, even your own with other institutions. Therefore there’s no way to easily and quickly withdraw more than this.

    Default Gravatar
    March 3, 2019

    Just wondering if you can apply for this card under the age of 18?

      Avatarfinder Customer Care
      March 5, 2019

      Hi Bettina,

      Thank you for getting in touch with Finder.

      Yes, you may apply for this card since these Up transaction and savings accounts are available to individuals over the age of 16.

      I hope this helps.

      Thank you and have a wonderful day!


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