Ubank Money App 3.7.1

It pays to bank smart! 🤑 Sign up to 86 400 using the code 'E29Q24F' and get $20 after your first purchase. Offer available until 31/10/2020. T&Cs at 86400.com.au/go/qq3v

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We’re Australia’s first smartbank, here to help you take control so you can feel on top of your money.

⭐⭐⭐⭐⭐ “Easy to join, super easy to use and great interest rate”

Join the tens of thousands of Australians who have already discovered a smarter way to Pay, Save and Own their home, with helpful features like:
• connecting your other bank accounts to get total visibility of your money
• automatic predictions of your upcoming bills and subscriptions

And with our Australian-based support team, help is only ever a phone call or email away.

Download the app and get started with a smart bank account in under 2 minutes.

The smart way to pay

• Fee-free banking, including no international transaction fees
• Instant access to Google Pay™, plus a Visa Debit card in the mail
• Fee-free ATM withdrawals at over 10,000 ATMs in Australia
• Transfer money instantly using PayID and Osko
• Set up regular payments, plus access to BPAY, Samsung Pay, Fitbit Pay and Garmin Pay

The smart way to save

• Great interest rate on up to three Save accounts
• Withdraw money at any time without affecting your bonus rate
• Set up direct debits straight from your Save account

Get total visibility of your money

• Connect your accounts from over 100 other banks and providers to view your balances and transactions in the 86 400 app
• Stay on top of your bills and avoid late fees with automatic predictions of your regular payments

⭐⭐⭐⭐⭐ “Being able to link my non-86 400 accounts and then having it predict coming-up bills is such a game changer!”

Simple insights to stay in control

• Easily visualise your money in and out each month, along with your total savings growth
• Receive simple nudges to make sure you don’t miss out on our bonus interest rate each month
• Switch to a better deal on life’s unavoidable expenses, like your electricity, with no hidden catches, fees or commissions

Own your home sooner

• Competitive interest rates and low fees on purchases and refinances
• Fast decisions and a stress-free application process with almost no paperwork
• Great features across fixed and variable loans, including fee-free redraws and 100% interest offset (variable only)
• Learn more or locate your nearest broker at 86400.com.au/homeloans

Pretty smart, right! And that's just the beginning. Check out our public feature roadmap at 86400.com.au for what's coming next.

Start taking control of your money. Download the app now and get started in under 2 minutes.

With state-of-the-art security and technology built from the ground up, your money is safe with us. And just like any other Australian bank, your money is guaranteed by the Australian Government up to $250,000 per customer.

⭐⭐⭐⭐⭐ “Best banking experience ever”

We’re open to all Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, passport or Medicare card). If you’re a temporary resident, email us at feedback@86400.com.au and we’ll let you know the moment you can join us.

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This is general info and doesn't take your personal situation into account, so please take the time to make sure it’s right for you.

Credit criteria, fees and charges apply. Based on 86 400's credit criteria, residential lending is not available for non-Australian resident borrowers.

86 400 Ltd holds a full banking licence issued by APRA and is an authorised deposit-taking institution. 86 400 Ltd ACN 621 804 813 AFSL and Australian credit licence 506560.