Up Avis 

Terrible bank with terrible service, they F you over and smile about it.

I've used Up for years, and it is easily the best bank I've ever used. I have a substantial amount sitting in savings, and have never had any issues accessing it. The interest rates are high for savings, and the fees are non-existent. The ease of use is fantastic, and the additional features are brilliant. No other bank gives you a better understanding of where your money is going, and gives you the tools to analyse where you can cut back to save better. I don't understand the negative reviews about not being able to get in contact with support either. Every time I've had to contact them (which has been very few and far between), they have replied within the hour.

everything went wrong with up bank, they want to know everything about what you're doing with your money feels very much like Gorge orwells book 1984, yeah, if you can't tell them and say none of your business, they freeze your account, not kidding, isn't that against the law? mmmmm, do not bank with up bank, go Macquarie or something like that, Cheers!

UP allowed fraudulent activity on my account.
I provided them with proof that my card was stolen and have multiple fraudulent transactions yet they didn’t do a thing.
I have made a report to the financial authorities who have assured me they will have it resolved and they also said unfortunately UP is well known for not looking after their customers and they have multiple investigations happening

A Nightmare! Run from this.
If I could give this experience zero stars I would. I got this card to travel and use in the U.S. as it was supposedly cheaper on extra international bank fees. Used it for a couple of purchases within a week and then got ‘denied’ via an immediate transaction message when I ordered my takeaway meal. Asked them why online and got no answers and they shut down my entire funds in my account when I asked. I was then asked to send a pic of ‘me’ holding my drivers licence clearly, then told it was too dark and was then resent. My account was put back with still no explanation as to ‘why’ they declined my purchase. I ordered food again days later and declined again and received text from them that my account was now ‘closed’. I was left being told they would investigate in approx.”3 wks”. I had to call the Ombudsman’s office in Australia for help as i had no food money and they kept texting me saying they were not doing anything and I had to wait 3 wks or whenever they got to it. Their communication was so bad if you need help you will be gobsmacked at what they do (if my experience is anything to go by).
I would never again put anything other than a small amount on this as they shut down my account funds without any explanation as to why they denied my purchases. Still waiting…

one the best banks around the only thing is it’s really hard to find the bsb and account real fast. Please make this easily found Up ppl

I signed up, put in several thousand dollars (no small amount) as I was making an international purchase. I had to do ID verification - that's where this goes horribly wrong. I have waited 7 days and still don't have access to my money - apparently my profile is STILL sitting with the verification team 7 days on. I can't make a bank transfer back to the account it came from, nor can I spend it online.

Up talk-"up" their in-app messaging platform and that this is their primary method of communication. I would wait days with no response. So I called, with a lovely person on the other end of the phone who, despite their loveliness and apologies, can't help me, referring me back to the in-app messaging and saying they have escalated my request with the ID verification team. 48 hours later I have to call as I still have no reply, even after I sent an in-app message the next day. I am frustrated that I have so much money in the account that I can't access, and it's my money (I think they forget that).

I WILL not recommend UP at all, unless you want to be frustrated, lose your mind at feeling stuck and risk not having access to your money.

Its very used friendly and you can open literally 10 different savings accounts. They usually respond quickly in the chat box. Everything is flowers and butterflies until you get scammed.
I got scammed. One of my accounts was hacked into abs my credit card details were copied. 200$ were stolen from my account. I told the bank immediately. Three weeks after that they're still "investing" it. I messaged them after two weeks to hear about any updates and I got no response. So now they're basically avoiding me.

My husband got scammed via Commonwealth. He went to their office and they refunded him right away. I'll be changing banks very soon. Do t want to do business with unresponsive bank, no matter how cool it looks.

Edit: it took them 45 days to look into the dispute. But they did solve it and refunded me fully of what I was scammed.

Been waiting for a response for over 3 months - I've been locked out of my application ever since

No I do not want to use your in-app “talk to us” section. I want to speak to someone on the phone. Since you wasted my time going through all the options to try speak to someone, I have a personal vendetta against Up and will be writing 1 star reviews on all review sites. Provide the ability for your customers to speak to cust. Service operators.

Spent 20 minutes trying to get the app to focus on my ID, and when I finally had passable images, it asked me to do it all again. Email support took 17 days to respond, was on hold for 70 minutes trying to reach someone on the phone, and they couldn't even do anything to help. Avoid like the plague.

Incredible bank backed by an really good bank.
I moved from Bendigo Bank to Up Bank after seeing that they were owned by them. Its everything I liked about Bendigo but much better. The app is the best banking app I've tried, and the organisation of savers and transactions help with spending.

ever since making an account with them, my savings has only grown.
I literally cannot recommend them enough, between their savings accounts, exemplary customer service, and easy-to-use app?

they're fantastic, and their app even breaks down all of the hard-to-understand home loan stuff so that people new to finance can understand!

Best decision I ever made was opening an account with UP. Been with them for multiple years, support is amazing and the features beat out some of the biggest banks in Australia. Highly recommended.

Previously a great bank.

Up was the first real "neobank" and offered software-centric features that other banks could not compete with.

It's now been several years since their launch and while they have added more useful features to their core banking platform, they still only really offer one product and the competition (with substantially broader offerings) are RAPIDLY catching up in terms of software features.

Now onto the bad part; over the last year the app (Which is the only way to access Up) has become increasingly unstable, and notifications from it have become both unreliable and delayed. On top of that, their customer service has gone from fantastic, to abysmal bordering on straight up rude. This all seems to have happened since they started getting a lot closer to Bendigo Bank.

But this isn't just my experience, I've (unfortunately) referred friends and family to Up over the years and they have all complained to me recently as well about the same experiences.

If you want a feature-rich bank, I would strongly recommend looking at the competition first - Commbank is excellent (and has a real website) but does occasionally try and upsell you stuff, Money is also pretty good and has a fantastic app, and 86400 seems quite good as well although I've never used them personally.

I find up bank so much better then any other bank I've been with, if your wanting to know more about them Keep reading.

MORE ABOUT UP BANK

Up's everyday account has no account keeping fees or foreign transaction fees and gives you detailed insights into your spending.

Up offers an everyday account for your daily spending and a bonus savings account that pays you a competitive interest rate. The everyday account is completely managed via the app, and offers a bunch of handy digital tools and features to help you manage your money.

$0 account keeping fees
$0 ATM withdrawal fees
$0 overseas ATM withdrawal fee

KEY FEATURES ABOUT UP BANK

You can sign up for an Up transaction account in a couple of minutes and it's compatible with both Android and iOS. You'll be able to get a PayID on application to make instant payments to other bank accounts and you'll receive your Up card in 5-10 days. While you're waiting for your card to arrive, you can set up Apple Pay, Google Pay or Samsung Pay and start making contactless purchases with your smartphone instantly.

When you use the card, your transactions are automatically categorised and you'll receive real-time reports. You'll also have more visibility into your spending with details such as merchant IDs, the time of day you made the purchase and the location being available. Up also automatically detects your regular bills and predicts when they will next occur.

FEATURES ON OFFER WITH UP

Up offers a number of features with its products which include the following:

More detailed spending history
- Up's "Naked Truth" feature aims to give you more clarity on your spending habits. Your transactions will display the amount you spent as well as the merchant, the time of day you made the purchase and the location.

Spending insights
- Aside from telling you how much you've spent and where you've spent it, Up will share how often you're buying. For example, you'll be able to see your total expenditures at a chain of stores across the country along with your average purchase amount. You will also see a weekly total and be able to check your balance without needing to log in.

Payment splitting
- Up offers a "conversational payments" feature in its app whereby you can make payments in real time to people and businesses. Your payment history with a particular person will be shown in a message format, similar to WhatsApp. You'll have the option to pay using people's PayID or BSB and account number.

Automated categorisation
- Your transactions will automatically be categorised to get real-time reports into your spending.
Bills are automatically detected. Up will be able to detect regular charges and bills and help you budget for them. For example, it tracks when your subscriptions are direct debited and reminds you when they're coming up.

Payment options
- You can use a range of payment options with Up including Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay.

Savings roundups
- You're able to nominate roundups, which means your transactions will be automatically rounded up and contributed to your linked savings account.

Link to Afterpay
- Up has an innovative way of displaying purchases made using Afterpay. If you make an Afterpay purchase you will be able to see the details of the products you purchase as well as when the instalments are due to be debited out of your account.

Multiple savings accounts
- Set up multiple savings accounts within the Up app and have them linked to an individual savings goal. You can earn bonus interest across these accounts up to a combined balance of $1,000,000

Low fees
- You won't be charged for your transaction account, ATM withdrawals, international transaction fees or your savings accounts. Fees will apply when your account is overdrawn.

Access ATMs for free
- You can make free ATM withdrawals at most major bank-owned ATMs in Australia and overseas. However, some smaller ATM operators will charge a fee, so make sure you check on the ATM screen when you're making your withdrawal.

Up transaction and savings accounts are available to individuals over the age of 16.

To open an account download the Up app on your Android or iOS device and provide the necessary information and documentation, such as your home address and driver's licence. It shouldn't take more than a few minutes. Once verified, your card will arrive 5-10 days later.