RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  
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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 4.99% (5.91%*)

  Up Essentials Saver

Up’s Essentials savings account is a feature of Up High. Easily save for your upcoming bills and earn up to 4.10% p.a. interest, while also spending straight from the savings account.
Category: Transaction & Savings Accounts  Last Updated April 14, 2025  Effective April 13, 2025

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information The interest rate that applies on overdrawn amounts. We may calculate interest on the overdrawn amount on a daily basis, and debit it to your account monthly for the Up Essentials Account, until the overdrawn amount is repaid.
Interest Rate
11.23% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Digital Banking
  • Fraud Protection
  • Notifications Additional Information: Customers can receive Apple or Android push notifications to their registered mobile devices, including transaction notifications.
  • Npp Enabled
  • Unlimited Txns

 Product Eligibility

  • Min Age - 16.
  • Other Additional Information: Requires a current Up High subscription (including Up High Early Access)

 Bank Fees and Charges

  • Sales Voucher Retrieval Fee (Payment), Amount: 10.00. Additional Information: Applies if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.
  • Audit Request (Payment), Amount: 60.00. Additional Information: When you or your representative (for example, your accountant) request us to provide a written statement of your financial accounts with us. (minimum charge $30.00)
  • Bpay Transaction Trace Fee (Payment), Amount: 20.00. Additional Information: When you request us to trace a bill payment you have made through the BPAY scheme.
  • Bpay Transaction Recall Fee (Payment), Amount: 20.00. Additional Information: When you request us to recall a bill payment you have made through the BPAY scheme.
  • Pay Anyone Trace Fee (including Osko) (Payment), Amount: 30.00. Additional Information: Applies to each direct entry transaction (including Osko) where a trace is requested by the customer to obtain information about the transaction made or received by the customer.
  • International Inward Telegraphic Transfers (foreign) (Event), Amount: 10.00. Additional Information: Acceptance of payments in a foreign currency for SWIFT transfer into your account.
  • International Inward Telegraphic Transfers (aud) (Event), Amount: 2.00. Additional Information: Acceptance of payment in AUD currency for SWIFT transfer into your account.
  • Domestic Inward Telegraphic Transfer (Event), Amount: 2.00. Additional Information: Acceptance of a payment from an Australian financial institution for fast transfer into your account.
  • Domestic Telegraphic Transfer Return Request (Payment), Amount: 25.00. Additional Information: Applies if you request the return payment of a telegraphic transfer.

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