UBank
UBank

USpend (Base rate 0.10%p.a. +1.00% p.a. Standard Bonus Rate = 1.10%p.a on balances up to $250K)

Amount Base Rate Max Rate
< $1000 0.10% 1.10%
$1000+ 0.10% 1.10%
$2000+ 0.10% 1.10%
$5000+ 0.10% 1.10%
$10000+ 0.10% 1.10%
$20000+ 0.10% 1.10%
$50000+ 0.10% 1.10%
$100000+ 0.10% 1.10%
$250000+ 0.10% 0.10%
$500000+ 0.10% 0.10%
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Open a USpend account for as little as $1. Receive a Savings Bonus of 1.00%p.a.* on top of your linked USave standard variable rate when you deposit $200 or more a month (like your salary) into your transaction or nominated USave account. The Savings Bonus is applicable on balances up to $250K. *Bonus Rate eligibility criteria apply. Unless stated otherwise, bonus rates are variable and subject to change.

  • The USpend comes with: Bonus Interest. *Conditions Apply.
  • Visa Debit Card
  • No monthly fees
  • Unlimited access to your money through UBank Internet Banking, NAB ATM’s, and wherever Visa is accepted
  • A USave Savings Bonus on your USave (for balances up to $250,000) if you deposit $200 or more a month
  • A UBank Visa Debit Card with payWave
  • Protection from fraud by UBank Defence 24/7
  • Online access, 24/7

Key Features
No Account
Keeping Fee
Internet
Banking
Counter
Service
Phone
Banking
ATM
Required
Linked Account

Account Details

Account Type Online
Min. Opening Amount $1.00
Min. Balance $0.00
Monthly Account Fee $0.00
Interest
Open a USpend account for as little as $1. Receive a Savings Bonus of 1.00%p.a.* on top of your linked USave standard variable rate when you deposit $200 or more a month (like your salary) into your transaction or nominated USave account. The Savings Bonus is applicable on balances up to $250K. *Bonus Rate eligibility criteria apply. Unless stated otherwise, bonus rates are variable and subject to change.
Interest Calculation Frequency Daily
Interest Payment Frequency Monthly
Interest Paid In Steps?

ATM & EFTPOS Fees

ATM Withdrawal Fee $0.00
ATM Balance Fee $0.00
ATM Balance Fee $0.00
Daily ATM Withdrawal Limit $1,000.00
EFTPOS Fee $0.00
Debit Card Replacement Fee $0.00

Fee Details

Service Fee Frequency
Fee Rebate Available
Balance Required for Fee-Free $0.00

T&Cs


Online Savings Account Transactions

Cheque Deposit
Cheque Withdrawal
Direct Credit
Direct Debit
BPAY

Internet & Phone Fees

Phone Transaction Fee $0.00
Internet Transaction Fee $0.00
Free Electronic Trans. per Month n/a

Counter & Cheque Fees

Counter Deposit Fee $0.00
Counter Withdrawal Fee $0.00
Free Counter Trans. Per Month n/a
Cheque Fee $0.00
Cheque Dishonour Fee $0.00
Debit Item Dishonour Fee $0.00

Overseas Access

Overseas ATM Facilities VisaPlus
Overseas ATM Balance Fee $4.00
Overseas ATM Withdrawal Fee $0.00
Overseas EFTPOS Fee $0.00
OS Emergency Card Replacement $0.00
Foreign Transaction Fee 2.00%