Up Everyday Account
Up’s free everyday account for everyday use. This account comes with a debit card and supports Apple Pay and Osko.
- Base rate
- 0%
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 half yearly for the Up Everyday Account, until the overdrawn amount is repaid. | 11.23% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Express card delivery or redirection | Payment | $15.00 |
| Emergency Replacement Cards Charged when you request the emergency replacement of your Debit Mastercard lost or stolen overseas, within 72 hours of request. | Payment | $100.00 |
| 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if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.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 |
Features
- Digital banking
- Card access
- Digital wallet — Apple Pay
- Pay with your Apple(TM) device using Apple Pay.
- Digital wallet — Google Pay
- Pay with your Android(TM) device using Google Pay.
- Digital wallet — Samsung Pay
- Pay with your Samsung(TM) device using Samsung Pay.
- Digital wallet — Garmin Pay
- Pay with your Garmin(TM) device using Garmin Pay.
- Digital wallet — Fitbit Pay
- Pay with your Fitbit(TM) device using Fitbit Pay.
Eligibility
- Minimum age — 16 years
More Information
Published by Up under the Consumer Data Right · Last updated 8 July 2026 · Product ID up-everyday · View on CDR.gov.au