UpUp Saver
Up Savers are free to use and pay up to 5.60% p.a. interest per month. Create up to 50 Savers that include features to support money management, like Pay Splitting and scheduled transfers.
At a glance
- Up to
- 3.60%
- Base rate
- 0.00%
- Bonus rate
- 3.60%
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 |
|---|---|---|---|---|
| Bonus savings accountBase plus bonus, when every condition is met | 3.60% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 48th highest of 51 |
Rates
Every rate Up publishes for this account, 5 in all.
How the rate is made up
3.60%in a month every condition is met
To earn the bonus
- Min purchases
- Max withdrawals
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus | - | - | - | 2.00% | - | paid every 1 mo; Min purchases; Earn a total 2.00% on any eligible Saver you withdraw from during the month, when you make 5 or more eligible card purchases from your Everyday Account. |
| Bonus | - | - | up to $250,000 | 3.60% | - | paid every 1 mo; Min purchases; Max withdrawals; Earn a total 5.60% on any eligible Saver when you make 5 or more eligible card purchases from your Everyday Account and no withdrawals are made from that Saver during the month. No monthly deposit re… |
| Bonus | - | - | $250,000+ | 2.00% | - | paid every 1 mo; Min purchases; Max withdrawals; This rate applies to the portion of your combined Saver balances above $250,000, when no withdrawals are made during the month and you make 5 or more eligible card purchases from your Everyday Accoun… |
| 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 Saver Account, until the overd… | - | - | - | 11.23% | - | - |
| Variable | - | - | - | 0.00% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 8 Oct 2026 | Bonus, up to $250,000 | 3.35% | 3.60% | up 0.25 |
Each change is logged the night it appears in the rates Up publishes. See how every lender answered the RBA on the rate tracker.
Features
Eligibility and limits
- Minimum age 16
Compare it with others
Put this product through a calculator
Published by Up under the Consumer Data Right, last changed by them on 8 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.