Up Bank

Up Bank is operated by Up (a Bendigo and Adelaide Bank brand, built by Up Money Pty Ltd), headquartered in Melbourne, Victoria, Australia (Subsidiary of Bendigo and Adelaide Bank (ASX: BEN)). The product launched in 2018 and an Australian digital bank competing with ING Australia, Revolut Australia and UBank. This 2026 review covers operator context, the current tier ladder, the feature set that matters for buyers and the live signals to watch before subscribing.

Quick facts

• Operator: Up (a Bendigo and Adelaide Bank brand, built by Up Money Pty Ltd)
• Headquarters: Melbourne, Victoria, Australia
• Public-market status: Subsidiary of Bendigo and Adelaide Bank (ASX: BEN)
• Founded: 2018
• Category: banking & payments
• Current tiers: Up / Up High Interest Saver / Up Yours / Premium
• Anchor price (2026): free
• Competitive set: competing with ING Australia, Revolut Australia and UBank in Australian digital banking

What is Up Bank?

Up Bank is an Australian digital bank competing with ING Australia, Revolut Australia and UBank. The product is competing with ING Australia, Revolut Australia and UBank in Australian digital banking. Customers buy a tier that matches their usage profile — the entry tier handles everyday account with Apple Pay and Google Pay, while the mid and premium tiers add depth such as Pull Up savers with goals and 2Up joint accounts. Subscription billing happens through the operator's checkout or partner billing surfaces (App Store / Google Play / direct card on file).

Why choose Up Bank

Operator and market position

Up (a Bendigo and Adelaide Bank brand, built by Up Money Pty Ltd) runs Up Bank from Melbourne, Victoria, Australia. Its public-market status (Subsidiary of Bendigo and Adelaide Bank (ASX: BEN)) and category position (competing with ING Australia, Revolut Australia and UBank in Australian digital banking) shape the credibility of the operator's roadmap and pricing decisions. Buyers should weigh that operator context alongside headline features — a well-capitalised parent typically translates into faster bug fixes, longer support cycles and more predictable price changes than a smaller indie operator.

Account features and tier ladder

The Up Bank tier ladder runs Up, Up High Interest Saver, Up Yours / Premium. Anchor pricing in 2026 starts around free for the entry tier and steps up by tier with named feature unlocks. Confirm the live regional price on the operator's site, then cross-check Subger's true-price tracker for Up Bank for the all-in renewal cost after taxes and FX conversion.

Apps and customer experience

Apps and customer-experience surfaces matter as much as headline feature counts. Up Bank delivers its core workflow across the platform surfaces listed in the platform table below, with notifications and self-service flows handled in-app. The 2025-2026 differentiator to watch: 2024 Up Yours premium tier launch with subscription perks and continued automated savings features.

Up Bank features that matter in 2026

Current feature set that buyers should weigh:

• everyday account with Apple Pay and Google Pay
• Pull Up savers with goals
• 2Up joint accounts
• upcoming bill predictions
• Maybuy and Pay Day features
• transaction tagging and search

Feature availability varies by region and tier; the headline list above reflects the operator's primary market positioning. Confirm specific regional availability on the operator's marketing pages before committing.

Up Bank pricing in 2026

The Up Bank tier ladder in 2026 looks like:

Headline prices step up across the ladder; promotional first-period anchors and regional FX can change the all-in cost. Subger's tools reconcile the list price with the actual renewal cost:

Up Bank apps and platform support

Surface availability can vary by region and tier; confirm current app availability and supported devices on the operator's site before subscribing.

Who Up Bank fits

Up Bank is most likely a good match for the following buyers:

• Australian customers who want a millennial-focused digital bank with goal-based saving — the core target audience for the product.
• Category-focused subscribers who specifically want everyday account with Apple Pay and Google Pay from competing with ING Australia, Revolut Australia and UBank in Australian digital banking rather than a generalist platform.
• Tier-comparing households evaluating the Up → Up Yours / Premium ladder and willing to pay up for upcoming bill predictions.
• Cross-device users who need apps across mobile, web and any operator-specific surfaces in the table above.
• Price-sensitive shoppers who want to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Frequently asked questions

Who runs Up Bank and where is it based?

Up Bank is run by Up (a Bendigo and Adelaide Bank brand, built by Up Money Pty Ltd), headquartered in Melbourne, Victoria, Australia. The operator's public-market status is: Subsidiary of Bendigo and Adelaide Bank (ASX: BEN). The product was founded in 2018.

How much does Up Bank cost in 2026?

The 2026 tier ladder is Up, Up High Interest Saver, Up Yours / Premium, with anchor pricing starting around free. Regional currency and promotional cycles can shift the all-in cost; Subger's true-price tracker reconciles the headline price with renewal reality.

Is there a free tier or free trial for Up Bank?

There is no perpetual free tier listed for the standard Up Bank subscription; the operator may run introductory trials periodically. Check the live signup page for current trial promotions.

Where is Up Bank available?

Availability follows the operator's licensing and service footprint from Melbourne, Victoria, Australia. Confirm regional availability on the official site before subscribing.

What 2025-2026 features set Up Bank apart right now?

The live differentiator to watch: 2024 Up Yours premium tier launch with subscription perks and continued automated savings features. Pair that with the headline features (everyday account with Apple Pay and Google Pay, Pull Up savers with goals, 2Up joint accounts) to judge whether the current roadmap fits your needs.

Which competitors should buyers compare Up Bank against?

Up Bank is most directly competing with ING Australia, Revolut Australia and UBank in Australian digital banking. Run a side-by-side feature and price comparison with those alternatives — Subger's category pages help with the shortlist.

How do I cancel Up Bank?

Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for Up Bank walks through each route step-by-step.

Does Up Bank offer a family or multi-user plan?

Multi-user, family or seat structure depends on the tier. Higher tiers commonly add multi-profile or multi-device support; entry tiers can restrict simultaneous usage. Confirm the per-tier seat limit on the live pricing page before committing.

How can I track price changes for Up Bank?

Subger's renewal tracker for Up Bank records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.

Get started with Up Bank

Confirm the current regional price on the Up (a Bendigo and Adelaide Bank brand, built by Up Money Pty Ltd) signup page, choose the tier that matches your usage (Up or Up High Interest Saver are the most common starting points), and check Subger's deals page for Up Bank for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel Up Bank guide
• Latest Up Bank deals
• Up Bank promo codes
• Up Bank true price and renewal tracker
• Browse the banking & payments category hub
• All services on Subger