Up
Up Everyday Account
Up’s free everyday account for everyday use. This account comes with a debit card and supports Apple Pay and Osko.
Savings & transaction accountsBank updated 8 July 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 2
| 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 half yearly for the Up Everyday Account, until th… | — | — | — | 11.23% | — | — |
| Variable | — | — | — | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Domestic Inward Telegraphic Transfer | Event | $2 | — | Acceptance of a payment from an Australian financial institution for fast transfer into your account. |
| International Inward Telegraphic Transfers (AUD) | Event | $2 | — | Acceptance of payment in AUD currency for SWIFT transfer into your account. |
| International Inward Telegraphic Transfers (foreign) | Event | $10 | — | Acceptance of payments in a foreign currency for SWIFT transfer into your account. |
| Audit Request | Payment | $60 | — | 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) |
| BPAY transaction Recall Fee | Payment | $20 | — | When you request us to recall a bill payment you have made through the BPAY scheme. |
| BPAY Transaction Trace Fee | Payment | $20 | — | When you request us to trace a bill payment you have made through the BPAY scheme. |
| Domestic Telegraphic Transfer Return Request | Payment | $25 | — | Applies if you request the return payment of a telegraphic transfer. |
| Emergency Replacement Cards | Payment | $100 | — | Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request. |
| Express card delivery or redirection | Payment | $15 | — | — |
| Pay Anyone Trace Fee (including Osko) | Payment | $30 | — | 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. |
| Sales Voucher Retrieval Fee | Payment | $10 | — | 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if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction. |
§ 03 — Features
Instant paymentsPayIDDigital bankingFraud protectionUnlimited transactionsApple PayGoogle PaySamsung PayGarmin PayFitbit Pay
- · No monthly service fee.
- · No fees for direct debits.
- · No fees for online payments.
- · No fees for deposits to savers.
- · No fees for domestic ATM withdrawals or enquiries.
- · No fees on international transactions.
- · No fees for overseas ATM withdrawals.
- · Configure which types of transaction are enabled on the linked debit card.
§ 04 — Eligibility & limits
- · Minimum age 16
§ 05 — Compare
§ 06 — Run the numbers
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Published by Up under the Consumer Data Right, last changed by them on 8 July 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.