--- title: "Ubank: Digital Banking - Отзывы, Доход и Загрузки приложения in Австралия | Apple App Store" description: "Open a Ubank account in minutes and start doing money better. Ubank is a digital bank built to simplify budgeting and everyday money management, helping you save money, track spending, and manage bill" --- # Ubank: Digital Banking — Австралия > Spend. Save. Earn. ![Ubank App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/11/dc/d5/11dcd509-c352-b6de-c0da-f8bd62e9a27a/AppIcon-0-0-1x_U007epad-0-1-85-220.png/434x0w.png) **Developer:** [86 400 Technology Pty](https://apptail.io/ru/developer/86-400-technology-pty-Rhbc) (Австралия) **Category:** Finance **Rating:** 4.7/5 (50,997 ratings) **Price:** Free **Bundle ID:** au.com.86400 **Store:** Apple App Store **Country:** Австралия **Version:** 11.353.6 (released 2026-05-26) **Original Release:** 2023-02-13 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/au/app/app/id1449543099) **AppTail Page:** [https://apptail.io/ru/app/ubank-digital-banking-lPR/australia](https://apptail.io/ru/app/ubank-digital-banking-lPR/australia) ## Ubank Description Open a Ubank account in minutes and start doing money better. Ubank is a digital bank built to simplify budgeting and everyday money management, helping you save money, track spending, and manage bills online. With simple tools and clear insights, you can take control of your banking, savings goals, and long-term financial plans. What you can do with Ubank Everyday Banking • Open a digital bank account with no monthly account fees  • Use any ATM in Australia or overseas with no fees from Ubank†  • Start spending instantly by adding your digital card to your wallet  • Create Shared accounts to manage money with a partner, housemate, or family member Budgeting & Bills  • Track your spending in real time  • Pay Cycle syncs your income with bills and expenses, so you know what’s left to spend  • Split Income helps you divide your pay when it arrives  • Use a dedicated Bills account and Bill Planner to prepare for upcoming expenses  • Link external bank accounts with Connected Accounts to see your money all in the one place  Savings  • Earn bonus interest on savings up to $1M per customer when our simple bonus interest criteria are met*  • Open up to 10 online savings accounts  • Set Savings Targets and track your progress Security  • Bank grade encryption and passkey login to help keep your accounts safe  • An Australian based call centre available 7 days for any of your queries Home Loans with Ubank  Ubank also offers home loans for owner-occupiers and investors, including refinancing options. You can apply for a Ubank home loan online with a simple, paperless application and receive support from local home loan specialists.  How to open an account Download the app to get started in minutes with Ubank’s money system – separate accounts for saving, spending and bills, plus smart tools to help you manage your money with ease. Signing up with a bonus code? See the terms and conditions below for more details.  Important information   Ubank is part of NAB and uses advanced encryption technology to protect your money. 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. 

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

Read our General Terms at ubank.com.au/general-terms  

Read our Target Market Determinations at ubank.com.au/tmd † Some merchants and ATM operators may charge a fee 
 
*Bonus interest is payable on total savings up to $1 million. To earn bonus interest you must have a Spend account, and your total savings must have grown by at least $1 as at the end of the month (excluding accounts that are linked as offsets at the end of the month). Earned Interest doesn’t count towards this $1. Read our full Welcome Bonus Rate and Everyday Bonus Rate terms at 
Signing up with a bonus code? Read our Welcome Bonus Offer terms at Using a different bonus or referral code? Please see the offer terms provided with that code.
 Apple, the apple logo and iPhone are trademarks of AppleInc., registered in the U.S. and other countries.
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 ## Ubank Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/4e/c2/41/4ec241a8-5d32-0be6-076d-b2345a3f8e06/iOS_AppStore_Refresh_BAU_1242x2688_v04mh16.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/1f/a7/29/1fa72956-98e8-addb-11c7-d6f9d009f58d/iOS_AppStore_Refresh_BAU_1242x2688_v04mh17.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/fc/1d/21/fc1d21eb-4519-c6e9-b2b7-598d21c84963/iOS_AppStore_Refresh_BAU_1242x2688_v08mh.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/50/d4/0b/50d40b9f-7d75-0ad4-617c-9460a75da4e0/iOS_AppStore_Refresh_BAU_1242x2688_v11mh.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4b/ff/0d/4bff0d78-bd1f-d8a2-4e5a-82eeecd25beb/iOS_AppStore_Refresh_BAU_1242x2688_v04mh6.png/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/67/37/53/67375352-260a-58b6-858c-c0c60fef3816/iOS_AppStore_Refresh_BAU_1242x2688_v04mh7.png/1242x2688.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/52/e2/15/52e215e1-08f6-66a0-c936-ecbc34bfe21d/iOS_AppStore_Refresh_BAU_1242x2688_v04mh8.png/1242x2688.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/0b/ff/bf/0bffbfe2-d688-8f45-1966-f0c565c9dde1/iOS_AppStore_Refresh_BAU_1242x2688_v04mh9.png/1242x2688.png) - [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/7f/af/36/7faf365f-77dc-da4e-501d-3fa9336bcbea/iOS_AppStore_Refresh_BAU_1242x2688_v04mh10.png/1242x2688.png) - [Screenshot 10](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/82/6b/43/826b43a6-f9e7-2150-abd2-491b54f40dfb/iOS_AppStore_Refresh_BAU_1242x2688_v04mh11.png/1242x2688.png) ## Ubank Rating Breakdown in Австралия - 5 stars: 43,091 (84%) - 4 stars: 4,635 (9%) - 3 stars: 1,052 (2%) - 2 stars: 405 (1%) - 1 stars: 1,814 (4%) ## Ubank Reviews in Австралия ### ***-- "Pretty Good application but missing some Extra features to be my Favourite Banking app." It would be epic if Ubank had an Apple Watch app just like the NAB Banking app and Siri integration like CommBank has would be really useful as well. -- Kaelan’s Reviews, 2025-01-02 ### *---- "Steady decline" Since NAB bought them the service and product has got worse each month. Plenty of better banks out there. -- hardcheese, 2025-01-01 ### ****- "Great online bank" One of the best banks around, has a great interface in the app. Only suggestion would be to add more outside accounts to connect to, and a better system to make fraud claims easier through the app. Apart from that, it’s been all good all round. -- Nazpet, 2024-12-29 ### *---- "The rates are good but..." The rates are good but the UI provides the worst workflows I have seen. It would be great if they improved the way transactions are recorded so you can more easily track the movement of money (i.e. a running total) and switch the way accounts are selected for moving money. It is a well deserved one star. -- Froggy-001, 2024-12-29 ### *---- "It’s a no for me" The Ubank app is clunky, so much so that I am considering closing the account. Last year it changed so that I couldn’t transfer out of my savings and thus had to open a second’bills’ account, annoying. I have tried several times to have my fingerprint installed and it won’t work so I have to use a password and get a text message code, I understand this is a ‘security measure’ but it’s a useless step considering I’m using my phone to log in and get the code. Transferring money should be an easy step but it’s not, other banking apps are much more straightforward. Also, and importantly there have been several times when the app seems to be offline and I can’t access my funds… what’s the point of the account if I don’t have access to my own money? Thanks you for accepting my feedback. -- No Name $&&, 2024-12-27 ### ***** "One of the few banks that’s not anti-crypto" I’ve been with ubank for a few years now. Always innovative, friendly customer service, great interest rates. What stands out for me though, is that they are not limiting your access to crypto exchanges like Commbank does. Recommend. -- Rantanplan6674, 2024-12-24 ### *---- "Can’t use app anymore" Have iphone 7 and can’t instal updated version and can’t get past the update notification on the opening screen for the app, just goes in a circle between app store and update demand. Was gonna move a stack of cash to ubank for the current interest rate but not without a functioning app fellas! Seems an easy fix. Please respond if you do and I’ll be right over. -- cantfindanamenotinuse, 2024-12-20 ### ***** "Kyla" Very easy bank to use and the saving account is amazing -- Kyla K Hubert, 2024-12-18 ### *---- "Can’t login" Begrudgingly setup passkey and now I can’t login with passkey it gives error: Login Cancelled No credentials available for login -- trici_33, 2024-12-18 ### ****- "Same coloured card issue" You’ve changed the colour of our shared spending account card to be the same colour as my spending account but only in the app and Apple Pay. This is annoying as having a distinct colour was a quick way to know what card is what. Otherwise great app -- Jiimaay, 2024-12-17 ### *---- "Such a useless app" It says that I have issue with account and want me to verify myself. I have done twice with both driver license and photo ID, the system still can’t work, keep asking me to verify. Such a useless app, I will never use this bank again -- Jessica0127368, 2024-12-17 ### *---- "Nightmare" You should join this bank if you want NIGHTMARES. Shortly after my first money transfer, they locked my account for more than 5 months. I called and emailed them every week but all I got was phoney assurances that I would get my money unfrozen the following week. When the date they gave me passed, I called them again and kept getting new dates until I had to get in touch with the AFCA. Only than they decided to unfreeze my money After 5 months of struggle. -- They Deserve 0 start, 2024-12-16 ### *---- "Passkey creation doesn’t work" For 11.91.0 I can see the passkeys I’ve created but the app doesn’t let me remove them. It says the “passkey cannot be removed right now”. I guess while trying to get this to work, I’ve reached the maximum number of passkeys allowed (4) and so I can’t create any more. I still have the most recent passkey I created in my passkey manager, but the app won’t let me use it. For 11.79.2: The app doesn’t let me create a passkey anymore. If I try, I get the error: “Maximum number of passkeys reached”. I’m not able to see any passkeys in my account. For 11.79.1: The app pushes you to log in with a passkey but it doesn’t work at all. Using a password is a pain because you have to login every time you reopen the app and it’ll ask you to enter a 2fa code sent to your email. Previously, you could stay signed in and verify via biometrics without having to go through user/password/otc entry. The issue has been around for a few weeks now, so not sure what’s going on or if there’s a fix in the works. -- Aurora Borealis in a kitchen, 2024-12-15 ### *---- "Passkey login is broken" I had passkey setup, then kept getting "Login cancelled No credentials available for login". I logged in using password and 2fa and set up passkey again in 1password, then when I opened the app again later that day the error message showed again. -- Sam787643344567890)(!@", 2024-12-14 ### ***** "Great app" Great app -- Ainslie92374, 2024-12-12 ### *---- "Barely usable, don’t count on it in a hurry" They decided that they would disable the ability to log in with a PIN code or biometrics, unlike every other banking app in existence. Now I need to log in with password and one-time code every time. They also took away the ability to transfer out directly from savings. All of their recent decisions seem to be actively user-hostile. Not really giving me any other reason to stay with them at this point. -- Martin H!, 2024-12-11 ### *---- "Can’t reset password to email" Ridiculous that you can’t reset your password with your email. Option for card digits and online banking password isn’t good enough. Tried calling and out of office hours. No access to my money. -- SAKF@@, 2024-12-10 ### ****- "Great bank" The bank itself is awesome and rarely have issues, I just wish they would add all banks to the account list so I could add all my other accounts. -- Brodie-Young, 2024-12-10 ### ***** "Great" Easy to use no stupid ways to get bonus interest -- Marissa3218, 2024-12-08 ### ***** "Great easy to use app to provide much needed competition to the big 4." Easy to use but would like more support to add additional banks and investing platforms such as Stake, Macquarie or even other investment organisation apps like Sharesight. -- evilestfaun, 2024-12-08 [View all Ubank reviews and detailed analytics on AppTail](https://apptail.io/ru/account/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Ubank Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Топ бесплатных | Австралия | Finance | #23 | | Топ бесплатных | Австралия | Overall | #334 | | Топ бесплатных | Новая Зеландия | Finance | #494 | ## Ubank Discovered Keywords - p and n bank - my spend - ubank money app - financial planner - online bank - ubank - ubank mobile banking - saving money - save money - billtracker for iphone ## Apps Similar to Ubank - [Macquarie Mobile Banking](https://apptail.io/ru/app/macquarie-mobile-banking-jVf/australia) - [Up — Simplify Money](https://apptail.io/ru/app/up-simplify-money-Eho/australia) - [Beforepay: Borrow up to 5000](https://apptail.io/ru/app/beforepay-borrow-up-to-5000-dDG/australia) - 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