UpUp Essentials Saver
Up’s Essentials account lets you save and pay for your upcoming bills while earning up to 2.00% p.a. interest.
At a glance
- Base rate
- 2.00%
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 2.00% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 34th highest of 61, level with one other |
Rates
Every rate Up publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe interest rate that applies on overdrawn amounts. We may calculate interest on the overdrawn amount on a daily basis, and debit it to your account monthly for the Up Essentials Account, until the… | - | - | - | 11.23% | - | - |
| Variable | - | - | - | 2.00% | - | paid every 1 mo |
Fees
9 fees published, grouped by when they're charged.
When you make a transaction6
- Audit Request
When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us. (minimum charge $30.00)
$60 - BPAY transaction Recall Fee
When you request us to recall a bill payment you have made through the BPAY scheme.
$20 - BPAY Transaction Trace Fee
When you request us to trace a bill payment you have made through the BPAY scheme.
$20 - Domestic Telegraphic Transfer Return Request
Applies if you request the return payment of a telegraphic transfer.
$25 - Pay Anyone Trace Fee (including Osko)
Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.
$30 - Sales Voucher Retrieval Fee
Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.
$10
When particular things happen3
- Domestic Inward Telegraphic Transfer
Acceptance of a payment from an Australian financial institution for fast transfer into your account.
$2 - International Inward Telegraphic Transfers (AUD)
Acceptance of payment in AUD currency for SWIFT transfer into your account.
$2 - International Inward Telegraphic Transfers (foreign)
Acceptance of payments in a foreign currency for SWIFT transfer into your account.
$10
Features
Eligibility and limits
- Minimum age 16
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Published by Up under the Consumer Data Right, last changed by them on 1 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.