Up review

Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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.

Up pros and cons

• 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.

Up fact sheet, pricing and score →

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Last updated 14 Nov 2026 · How we research and update