---
title: "Up Essentials Saver — Up"
description: "Transaction & Savings Accounts from Up. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/up/products/up-essentials
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-08T13:07:46+10:00
---

# Up Essentials Saver — Up

> Transaction & Savings Accounts from Up. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

Up’s Essentials savings account is a feature of Up High. Easily save for your upcoming bills and earn up to 5.35% p.a. interest, while also spending straight from the savings account.

## At a glance

- **Base rate:** 5.35%

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The 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 Essentials Account, until the overdrawn amount is repaid.) | 11.23% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 5.35% | Balance Limit $0–$5,000 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction. | Payment | $10.00 |
| 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) | Payment | $60.00 |
| BPAY Transaction Trace Fee — When you request us to trace a bill payment you have made through the BPAY scheme. | Payment | $20.00 |
| BPAY transaction Recall Fee — When you request us to recall a bill payment you have made through the BPAY scheme. | Payment | $20.00 |
| 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. | Payment | $30.00 |
| International Inward Telegraphic Transfers (foreign) — Acceptance of payments in a foreign currency for SWIFT transfer into your account. | Event | $10.00 |
| International Inward Telegraphic Transfers (AUD) — Acceptance of payment in AUD currency for SWIFT transfer into your account. | Event | $2.00 |
| Domestic Inward Telegraphic Transfer — Acceptance of a payment from an Australian financial institution for fast transfer into your account. | Event | $2.00 |
| Domestic Telegraphic Transfer Return Request — Applies if you request the return payment of a telegraphic transfer. | Payment | $25.00 |

## Features

- **Digital banking**
- **Fraud protection**
- **Notifications** (Customers can receive Apple or Android push notifications to their registered mobile devices, including transaction notifications.)
- **Real-time payments (NPP)** — Yes
- **Unlimited transactions**

## Eligibility

- **Minimum age** — 16 years
- **Requires a current Up High subscription (including Up High Early Access)**

## More information from Up

- [Overview](https://up.com.au/)
- [Terms & conditions](https://up.com.au/product-terms/)
- [Eligibility](https://up.com.au/product-terms/#keyfeaturestable)
- [Fees & pricing](https://up.com.au/pricing/)

## Data provenance

- Published by Up under the Consumer Data Right
- Product ID: `up-essentials`
- Last updated by the provider: 8 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/up/up-essentials
- Provider page: https://www.cdrcompare.au/brands/up
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000113

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/up/products/up-essentials) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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