The Finance Algorithm
Up logoUp

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 19 Oct 2026
Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
0.00%

Rates

Every rate Up publishes for this account, 2 in all.

TypeApplies toTermBandRateComparisonConditions
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

Fees

11 fees published, grouped by when they're charged.

When you make a transaction8

  • 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
  • Emergency Replacement Cards

    Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request.

    $100
  • Express card delivery or redirection
    $15
  • 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if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.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

Instant paymentsPayIDDigital bankingFraud protectionUnlimited transactionsApple PayGoogle PaySamsung PayGarmin 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.

Eligibility and limits

  • Minimum age 16

Published by Up under the Consumer Data Right, last changed by them on 19 Oct 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.