Up
ABN 11 068 049 178
Savings accounts
Up publishes 3 transaction and savings account products in its product data; 2 are savings accounts ranked on the comparison. 1 product is not ranked (a transaction (everyday) account, not a savings account: 1). Rates are per annum as published by the bank; a bonus rate is paid only in a month in which the account's conditions are met.
Best rates
Up's best savings rate for each customer segment and rate kind, as it ranks on the savings account comparison; "ranked at" lists the balances at which this is its best account.
| Account for | Rate kind | Rate p.a. | Base | Bonus | Intro | Product | Ranked at | Conditions | Restrictions |
|---|---|---|---|---|---|---|---|---|---|
| Personal | Conditional | 5.85% | 0.00% | 5.85% | — | Saver | $10k, $50k, $250k | 5 or more card purchases a month; no withdrawals in the month; a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases a… | — |
| Personal | Intro | 5.85% | 0.00% | 5.85% | — | Saver | $10k, $50k, $250k | 5 or more card purchases a month; no withdrawals in the month; a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases a… | — |
| Personal | Base | 2.00% | 2.00% | — | — | Essentials Saverstale | $10k, $50k, $250k | not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed; from 1 Mar… | — |
Products
Ranked savings accounts
Essentials Saver savings accountstale
Conditions: not updated by the bank since 2026-10-12, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed; from 1 March 2027 five debit card purchases a month are needed to earn the 2.00% rate; for individuals over 16, personal use only.
no monthly fee stated · interest paid monthly · ages 16 and over · bank · terms · fees · eligibility · source
Up’s Essentials account lets you save and pay for your upcoming bills while earning up to 2.00% p.a. interest.
| Balance | Base |
|---|---|
| $0+ | 2.00% |
Saver savings account
Conditions: 5 or more card purchases a month; no withdrawals in the month; a saver withdrawn from in the month earns the 2.00% Flow rate instead (when the card purchases are made).
no monthly fee stated · interest paid monthly · ages 16 and over · bank · terms · fees · eligibility · source
Up Savers are free to use and pay up to 5.85% p.a. interest per month. Create up to 50 Savers that include features to support money management, like Pay Splitting and scheduled transfers.
| Balance | Base | Bonus | Conditional |
|---|---|---|---|
| $0 – $250,000 | 0.00% | 5.85% | 5.85% |
| $250,000.01+ | 0.00% | 2.00% | 2.00% |
Not ranked
Everyday Account transaction accountlinked accountstale
Not ranked: a transaction (everyday) account, not a savings account.
Conditions: not updated by the bank since 2026-10-19, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed.
no monthly fee stated · interest paid monthly · ages 16 and over · bank · terms · fees · eligibility · source
Up’s free everyday account for everyday use. This account comes with a debit card and supports Apple Pay and Osko.
| Balance | Base |
|---|---|
| $0+ | 0.00% |
Ranked products come first. Each table is the product's balance bands as the bank's feed states them: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together, intro the rate in the introductory period; a table shows only the columns its account has. "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change. The "source" link opens our snapshot of the bank's product record; conditions read from the bank's own terms are listed with the product.
We receive no payment from any lender for inclusion or ranking.
Data
This section is built from the bank's own published product data (its Consumer Data Right feed), with the conditions and limits that data leaves out read from the bank's own terms and pages. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:
/au/finance/savings-accounts/v1/brands/up.json: this bank's accounts and every balance band, its best rates first./au/finance/savings-accounts/v1/rates.json: every bank's rate rows in one file./au/finance/savings-accounts/v1/best.json: the banks ranked per segment, rate kind and balance./au/finance/savings-accounts/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR transaction and savings account feed (needs an
x-vheader).
Government guarantee
Up is a brand of Bendigo and Adelaide Bank Limited. Deposits here and at Bendigo Bank count towards one $250,000 government guarantee limit per account holder, not one each.
From APRA’s list of banks covered by the Financial Claims Scheme.
Home loans
Up publishes 1 home loan product in its product data, giving 12 rates (2 variable and 10 fixed). Rates are per annum as published by the bank. The comparison rate is the bank's own figure, which the National Credit Code requires it to calculate on a $150,000 loan over 25 years; it folds in fees and charges, so it is a guide to the cost of a loan of that size only. Offset and redraw are features of the product, as the bank publishes them, and may not apply while a rate is fixed.
Products
- Home Loanoffset account and redraw · max LVR 90% · 12 rates · bank · source
Up Home is a simple loan that works seamlessly with your Up banking. Starting from 10% LVR, it’s first time owner friendly too. Use the Up features you love to own your own home faster.
Rates
| Product | Rate type | Rate p.a. | Comparison at $150,000 | Purpose | Repayment | LVR | Loan | Conditions | Bank updated | Source |
|---|---|---|---|---|---|---|---|---|---|---|
| Home Loan | Variable | 6.45% | 6.45% | Owner-occupied | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 1 year | 6.45% | 6.45% | Owner-occupied | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 2 years | 6.45% | 6.45% | Owner-occupied | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 3 years | 6.55% | 6.48% | Owner-occupied | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 4 years | 6.65% | 6.52% | Owner-occupied | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 5 years | 6.65% | 6.53% | Owner-occupied | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Variable | 6.60% | 6.60% | Investment | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 1 year | 6.60% | 6.60% | Investment | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 2 years | 6.60% | 6.60% | Investment | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 3 years | 6.70% | 6.63% | Investment | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 4 years | 6.80% | 6.67% | Investment | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
| Home Loan | Fixed 5 years | 6.80% | 6.69% | Investment | Principal & interest | up to 90% | $50,000 – $7,500,000 | Up to 50 Savers act as free 100% offset accounts; Extra repayments on fixed rate loans limited to $30,000; Up pays the… | 2026-11-12 | source |
Hover a condition to read the bank's full wording, and a rate type for the bank's own name for it. "not stated" means the bank's feed does not say which loans a rate is for. The "source" link opens our snapshot of the bank's product record.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a $150,000 secured loan over 25 years.
Data
This section is built from the bank's own published product data, plus any term it leaves out that we read from the bank's own pages and any correction where its page contradicts that data. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:
/au/finance/home-loans/v1/brands/up.json: this bank's home loan products and every rate row./au/finance/home-loans/v1/rates.json: all the banks' home loan rate rows in one file./au/finance/home-loans/v1/best.json: the banks ranked per purpose, repayment type, LVR, loan amount and rate type./au/finance/home-loans/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR home loan feed (needs an
x-vheader).
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.