Spend account

When you join us, you’ll get three accounts: a Spend account, a Bills account and a Save account.

Your Spend account lets you transfer money and make purchases using the linked Visa Debit card or your digital wallet for your everyday spending needs.

Your Bills account lets you set aside funds for committed expenses, allowing you to budget within your pay cycle.

Your Save account lets you earn interest on your money. Find out more about earning interest with our Save accounts. You can open an additional nine Save accounts, whether they’re individual or shared, via the app.

To open a ubank account, you’ll need an Australian mobile number.

If you’re 18 or over you’ll also need a valid Australian driver’s license or passport. To improve your chances of your ID being validated you can also use a Medicare card.

If you’re under 18 you’ll need 2 valid forms of ID which can include an Australian driver’s license, passport, birth certificate, or a Medicare card.

We don’t charge any fees. There may be instances where a third party charges a fee e.g. if you use an ATM overseas. For more info, see our Fees and Limits.

You can open 1 individual and 1 shared Spend account.

To open additional accounts, head to the “Accounts” tab in the app and select “Add new account” at the bottom of the page.

If you want to pay with your mobile or smartwatch, you can add your Visa Debit card to Apple Pay, Google Pay^TM, Samsung Pay and Garmin Pay. Compatible devices only.

If you’re using an iPhone or Android device, you can set up Apple Pay or Google Pay instantly from the “Cards” screen in your app before your physical card has even arrived.