Ubank: Digital Banking delivers everyday banking with no monthly fees, real-time budgeting, and bonus interest on savings within a digital-first platform. As part of NAB, it provides bank-grade encryption and Australian-based support, plus features like shared accounts to simplify money management. Ranked #15 in Australia’s Finance category with a 4.01 rating from 22,630 reviews and more than 1,000,000+ total downloads, with 13K new installs in the last 30 days.
Pros & Cons
No monthly fees for everyday banking
Real-time budgeting and Bills tools
Bonus interest on savings up to $1M
Joint/shared accounts for easier money management
Strong encryption and NAB backing
Mobile features and payments emphasis may be less highlighted than competitors
Some competitors feature keywords like 'mobile', 'payments', and 'cards' that this app’s data lacks
Limited explicit permissions data; cannot assess full safety profile from provided data
About Ubank: Digital Banking
Ubank: Digital Banking is a finance app developed by 86400.
How many times has Ubank: Digital Banking been downloaded?
Ubank: Digital Banking has been downloaded 1.5 million times. In the last 30 days, the app was downloaded 13 thousand times. It is ranked in the top 100 finance apps.
What is the rating of Ubank: Digital Banking?
Ubank: Digital Banking is rated 4.01 out of 5 stars, based on 24 thousand ratings.
Is Ubank: Digital Banking free?
Ubank: Digital Banking is free to download. The last update was on February 2, 2026.
What are the requirements for Ubank: Digital Banking?
Ubank: Digital Banking requires Android 11+ or higher. The app has a content rating of Everyone. The app has been available on Google Play July 2019.
Description
Open a Ubank account in minutes for Money Done Better. Ubank is a digital bank that makes money feel simple, easy to understand and more personal. From daily banking to managing your home loan, Ubank has smart features and tools to help you succeed.
What you can do with Ubank:
Spend • Digital bank accounts with no account or card fees¹ • Spend instantly by adding Ubank to your digital wallet • Create joint accounts in minutes to share money with your partner-in-finance • PayID and Osko for instant money transfers (if the other bank participates)
Save • Open up to 10 no fee savings accounts with high bonus interest that’s simple to earn • Earn bonus interest on savings up to $1M per customer when bonus criteria are met² • Set up Savings Targets on each of your Save accounts to track your goals
Travel • Use your Ubank card overseas instead of a travel card for no fees from Ubank¹ • Withdraw from any ATM with no fees charged by Ubank¹ • No currency conversion fees when you pay in a foreign currency • A competitive Visa exchange rate on all your international transactions
Budget • Set Budgets to track your spending on 50 categories and merchants in real time • Track your Pay Cycle and sync the Ubank app to when your money comes in • Use a separate Bills account to plan and pay for expenses so you know what’s safe to spend • Schedule bills and get reminders from the Bill Planner
Buy a home • Ubank offers home loans for owner-occupiers and investors on new and refinanced loans • Skip the upfront cost with no LMI on any Ubank home loans • Buy with as little as 10% deposit • Easy paperless application online • Chat to our local lending specialists 7 days a week
And more • Ubank is part of NAB. You can trust that your money is safe with deposits guaranteed up to $250K³ • Ubank has encrypted passkey login to help keep your accounts secure • Link external bank accounts with Ubank using Connected Accounts • An Australian based call centre available 7 days for any of your queries
Download the Ubank app and follow the prompts to get started in minutes. You’ll need valid ID and a unique mobile number.
Signing up with a bonus code? See the terms and conditions below for more details.
Important information
Ubank is open to Australian or New Zealand citizens, or Australian permanent residents. You must be aged 16 or older with an Australian residential address and mobile number to hold an account. If you’re over 18 you will need at least one form of ID (Australian driver licence, Australian passport, or international passport) to sign up. If you’re under 18, you’ll need at least two forms of identification: an Australian driver licence, Australian passport, international passport, Medicare card or birth certificate.
Products issued by Ubank, part of National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686. Registered Office: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia.
Credit criteria apply. Info is general. Consider if it’s right for you. TMDs and product terms at ubank.com.au.
¹Ubank won’t charge you any fees overseas, but some third party merchants and ATM operators may still charge a fee.
²Rates are variable and subject to change. Interest is payable on total savings up to $1,000,000 per customer where bonus criteria are met. To earn bonus interest, you must have a Spend account, and grow the combined balance of your Save accounts by at least $1. Interest doesn't count towards the $1, and special rules apply to offset accounts. For more info about bonus interest, see ubank.com.au/banking/savings-account
³The Australian Government guarantees deposits up to $250,000 per customer, per Authorised Deposit-taking Institution. As Ubank is part of NAB, the government guarantee applies to the combined value of your Ubank and NAB accounts.
Signing up with a bonus code? Read our Welcome Bonus Offer terms at ubank.com.au/campaigns/welcome-offer.
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Great app, so simple to use, and I can see my NAB accounts in the app. Love the round Up to help me save, and the bills account... excellent. Wish I'd joined sooner.
★★★★★Angelo Quici· Aug 4, 2026
How good is the Ubank app! Love it, 21st century efficiency and it looks so cool. Banking made easy and fun too.
★★★★★Bob Wolliom· Jul 10, 2026
It's great to get interest after my original big bank giving next to nothing without locking it away. The apps very easy to use. A great savings bank. Without having to jump through hoops to get the interest. Thanks ubank
★☆☆☆☆K A· Aug 14, 2026
Didn't do facial ID, can't get into my bank they still have my money, sent all ID they still won't let me have my money be very wary of this bank
★☆☆☆☆Cooper· Aug 21, 2026
If ur under 18 DO NOT sign up because I lost $70 because im 16 turning 17 and I got centrelink, and they put money into my ubank account and I never got it back, so they stole my money
★☆☆☆☆Kahli Flekac· Jul 23, 2026
A feature you won't see you on their release list - they now track your app usage on the device and can collect names about every app you have installed. For "security"
★☆☆☆☆Johnny Petersen· Jul 31, 2026
Now checking my Other Apps "for security"... Nah, you just want to see which other banking apps are there. You sneaky snakes.
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Trust & Safety: No requested permissions are listed in the provided data. The long description highlights bank-grade encryption and NAB backing, suggesting a security-focused, trusted banking experience.
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
