Up

At a glance

• Editor score
  6.3 / 10
• Pricing
  Free plan
• Best for
  Australian users who want automated savings tools
• Free plan
  Yes
• Paid from
  Free
• Account scope
  Personal
• Facts checked
  14 Nov 2026

• Where it wins

  • Round Ups and automated transfers help route money into Savers.
  • Manage up to 50 Savers, including Spendable Balance accounts for expenses.
  • 2Up joint accounts and Wise international transfers support shared and overseas spending.

• Where it doesn't

  • Mobile-only access excludes customers seeking web banking.
  • Savings interest uses variable Grow and Flow rates subject to eligibility.
  • The feature set is focused on personal banking, not broader business banking.

Our verdict on Up

Up is a mobile-only Australian digital bank brand issued by Bendigo and Adelaide Bank. It combines an everyday account and debit card with savings and shared-finance tools, making it suited to people who want to organize spending and automate saving from a phone. Everyday and joint 2Up accounts are part of the offering, alongside Savers for separating goals or upcoming expenses. Standard account use is advertised with no monthly service fee.

The savings tools are the clearest differentiator. Round Ups move purchase change into a selected Saver, while automated transfers and pay splitting can direct money into Savers. Customers can create and manage up to 50, and Spendable Balance accounts are designed for upcoming expenses. Grow and Flow savings accounts pay variable interest subject to eligibility, so users should check the applicable terms rather than assume a fixed return. These features suit people who prefer organizing money into labeled buckets; they are less relevant to someone seeking an app centered on investment or business finances.

Up also combines bill visibility and shared spending in the same mobile app. Upcoming tracks recurring bills, payments and subscriptions, and spending insights include period comparisons. The 2Up accounts support joint banking, while group expense tools address shared costs; international transfers are offered through Wise. The main trade-off is access: Up is available on iOS and Android, with mobile deployment only. Choose it if automated saving, bill tracking and shared accounts are priorities; look elsewhere if desktop banking access is essential or variable savings interest does not suit your needs.

Your product? Our editors can test Up in depth and publish a review, labelled as paid · from $149/mo →

Up pricing

Up fact sheet

Up integrations

Up lists 1 integrations on its own site.

• Wise

Alternatives to Up

• SBStarling BankA no-monthly-fee UK bank account with budgeting, payments and savings tools.9.3
• BbunqFlexible European banking with personal and business accounts, cards, and international transfers.9.2
• MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1

See all Up alternatives →

Featured on iTechGuides

Up is listed in our Neobank Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update