Ubank: Digital Banking

Open a digital bank account in minutes with Ubank: Digital Banking and take control of your money. This app combines everyday banking, budgeting tools, and savings features into one simple system, letting you manage spending, pay bills, and plan for the future without the complexity of traditional banking.

Start Banking Instantly

Set up your account with no monthly fees and gain access to ATMs across Australia and overseas at no extra cost. Add your digital card to your wallet to spend immediately, or create shared accounts to manage money jointly with a partner, housemate, or family member. Everything syncs in real-time so you always know your balance and available funds.

Take Control of Your Spending

Track expenses as they happen and see exactly where your money goes. Pay Cycle aligns your income with your bills and regular expenses, so you understand what's left to spend each month. Split Income divides your pay automatically when it arrives. Link external bank accounts through Connected Accounts to view all your money in one dashboard, making it easy to see the full picture of your finances. Use a dedicated Bills account and Bill Planner to prepare for upcoming expenses and avoid surprises.

Build Your Savings

Earn bonus interest on savings up to $1M per customer when you meet the straightforward criteria. Open up to 10 separate savings accounts and set Savings Targets to track your progress toward each goal. This separation between spending, bills, and savings helps you stay focused on what matters.

Secure and Supported

Your accounts are protected with bank-grade encryption and passkey login technology. An Australian-based support team is available 7 days a week to answer any questions. Ubank is part of NAB and regulated by Australian financial authorities.

Home Loans Available

Beyond everyday banking, Ubank offers home loans for owner-occupiers and investors, including refinancing options. Apply online with a paperless process and work with local specialists.

Ubank: Digital Banking is open to Australian and New Zealand citizens, and Australian permanent residents aged 16 and older with an Australian residential address and mobile number. Download now to start managing your money with clarity and confidence.