Spend account
Why our Spend account
What's in it for you
Start spending straightaway
Sign up and start spending with instant payment methods.
Get instant access to Apple Pay and Google Pay. We also have Samsung Pay and Garmin Pay.
Transfer in and out of your Spend account almost instantly via PayID and Osko (if the other bank has it).
Get on top of recurring bills, subscriptions and memberships directly from your app using PayTo.
Rest easy knowing your bills are paid same day through BPAY – just transfer on a business day before 6pm (Sydney time).
Left your wallet at home? Securely access your full card details in the app wherever you are.
Rates and fees
Everyday banking without the fees
| Fees | Charges |
|---|---|
Set up and monthly fees | Free |
Payments using the ubank app | Free |
Using your card in Australia
Card purchases and ATM cash withdrawals | Free
Some merchants and ATM operators may charge a fee |
Using your card overseas or online
Card purchases and ATM cash withdrawals | Free
Some merchants and ATM operators may charge a fee |
Direct debit dishonours | Free |
Replacement card in Australia | Free |
Emergency Visa replacement card or cash | Free |
App experience
Explore how we're different
We’re not like other banks – we’re all about getting you ahead. We’ll help you track your spending and upcoming expenses.
Spending Footprint helps you retrace your spend
Retrace your spending with Spending Footprint so you always know where your money is going.
We sort your transactions into common spending categories for you.
See how much you’re spending at your favourite stores, food spots, on bills, transport, etc.
Plan for your expenses by tracking your bills in the Bill Planner
Start tracking your bills to see what you’ve got coming up.
Align the view to your Pay Cycle to view expenses pay to pay.
The magic of the Bill Planner will easily show what you’ve got coming up so you can budget and keep money for the good stuff.
It’s okay to see other banks
Connect your accounts from over 140 other financial institutions, to see your money in one place. Think of us as your daily money companion.
You can even connect your super and investments to get the whole picture of how your money is moving.
Our Smart Search feature allows you to find transactions across your ubank and connected accounts in a simple search.
Know your money inside and out
Stay on top of what’s coming in and going out of your ubank accounts with our In & Out feature.
Strike the balance between spending and saving by setting a time period that lines up with your pay cycle.
Plus get 2 more accounts, a Save and a Bills
When you join ubank, you’ll get 3 accounts, a Spend, a Bills and a Save account. Save gives you great interest rates, instant access to your savings, both accounts have no fees.
Join us
How to get started with ubank
You can start using your Spend, Bills, and Save accounts in minutes
Download the app
Enter your ID and personal details
Start using your new accounts
To join us, you’ll need to be over 16 years old and an Australian citizen or permanent resident.
FAQs
Have any questions?
