Up

Racist business. Refuses to allow refugees who are now Australian citizens from opening an account if their name doesn’t conform with white conventional format. Appalling customer service- inflexible and stubborn. Please join the growing movement boycotting businesses like this. Show details

I highly discourage using Up Bank. They block your transactions unreasonably when trying to use your money online. You have no way to withdraw your money at ATM either as they have no partnership with anyone. So basically they just keep your money lock and decide how you can used it, not yourself.

Shocking Banking practices they blocked my payment to my friend stuck in Malaysia about 19.55 and they just went home. She had to find a hotel and food for the night until I spoke with them at 0900 the next day. They closed my account saying sent… Read more

someone else's funds which i did not but they have still closed my account. I will never use these people ever again they are a terrible bank, avoid at all costs and 2.3 out of 5 says it all from hundreds of customers.

Closed my account, no explanation as to why, when I asked. Only been a customer for a few weeks, not happy at all with up, good they showed what there really like. No customer service.

I would never recoment that bank, the mobile app is distracting, too much garbage, if there is an issue it is impossible to fix it straight away, users have to send a message and wait for their divine nothingness to write back. I sent money from the… Read more

bank I normally use to the up account and it was immediate but getting that money back to my usual bank was not instant and I was unable to transfer money to a crypto exchange, the main reason I opened an account with up bank. it is like going back to pre-school, lots of gibberish and so difficult to find important stuff.

We recently restructured our banking and refinanced our home loan with Up Bank, and we couldn’t be happier. The process was seamless from start to finish. What we love most is the flexibility to organise our finances so all our money offsets the loan, unlike our previous setup which only allowed one account. It took a little time to get used to… Read more ·  1

the app, but once we did, everything fell into place. We really appreciate the transparency across the board and have no complaints. It’s a refreshing change and we’re glad we made the switch.

Easily the best bank we've used. We got the card initially for Japan which worked great and had better rates then the other banks. We have now moved more funds into UP and closed then other accounts as we love the feature it provides. Soon we'll look to refinancing our home loan with them. Don't worry about the 1-star reviews, too much time on their hands. Up is awesome :) Show reply

I opened a new account, I had income from a client go into the account (sole trader), I tried to transfer some of it to my own account at another bank. This triggered their security system. I thought, fair enough I'm a new customer and if you need to freeze it for a couple of days to check with the other bank that seems reasonable. Days turned… Read more

into weeks with still no access to my income. I constantly asked for updates through the app customer service messaging but they provided zero information. I called the Up customer service number and they also provided zero information. I made a complaint via the Up website and didn't get a response. I started to feel like I'd fallen for a scam and Up deliberatly freeze accounts so that they can collect interest on people's money while they complete an "investigation" and I was never going to see my money again! Bendigo Bank Customer Protection were the only people who could actually talk to me about the investigation and it was only resolved after calling them at the 4 week mark. I had no access to my money for 4 weeks! I did not think banks could effectively steal your money for 4 weeks!!! I immediately transferred all my money to an account at another bank and closed the Up account after suffering significant distress and financial hardship. Do not open an account with this business unless you're ok with having no access to your money for weeks on end without any resolution in sight!

2 months in a row interest doesn't come in time. Not just me referred friends & same thing. Sent my money elsewhere & then found out they didn't send it, just kept my money & wouldn't pay any interest. Customer service quote some dodgy terms if they reject your transfer they aren't liable. Total shambles of a bank owned by the commonwealth which makes a fortune scamming ordinary people.

I can’t complete verification because your requirements are unreasonable. You’re asking for a selfie with my passport and a printed utility bill. I’ve already sent multiple official documents to your support email that clearly confirm my identity and Australian address. That should be more than enough. Printing documents just to take a selfie is… Read more

unnecessary and inconvenient. This process is overcomplicated and not client-friendly.

Honestly, this looks unprofessional. You’re making it hard for a legitimate client to sign up, which doesn’t make sense.

have enjoyed my experience with Up since early April. I enjoy the ability to "hide" and "lock" savers to make it more difficult to access funds that you have already saved and prevent unnecessary spending. Has definitely saved me a bit of money already. As a semi-frequent international traveller (or, more frequent, purchases of goods from… Read more

overseas) I also really enjoy that there are no-international transaction fees. They are also an Ethical bank (owned by Bendigo - who do not donate to Fossil Fuels)

On the slightly negative side, they recognise that a lot of their user base is youthful so some of the marketing is leaning into that heavily and can sometimes end up a bit cringe. I also did not enjoy having to provide ID photos during the application process to verify my identity - this put me off from joining them years ago too. But, I took the chance this time, and am largely glad i did.

This bank was recommended to me for easy transfers to a crypto exchange, as Commonwealth Bank – which I normally use – has a $10,000 limit per month. When I tried to transfer $10,000 to Kraken, the transfer was blocked and I was told to contact customer support. When I explained the situation, they cancelled my account without any further… Read more

questions and told me to withdraw my funds within a month. When I then tried to send my money back to the same account I had originally transferred it from, my funds were blocked!

Was with Up Bank for almost 5 years as my sole bank and used to love them. Raved about to anyone and everyone. Their app UI is stunning and helped me keep track of my spending and savings. Unfortunately, things have been going down hill for a while and my last experience with support was the nail in the coffin. First, they released a change to… Read more

their “regulars” and “spendable” feature which entirely broke how I budgeted on pay day. After so many requests to change it back OR at least give us the option on how to configure it there was always just “oh, you’ll get used to it as this is better”. Their customer support just constantly provides saved responses, and doesn’t feel like they genuinely care like they used to.

Then they released their “grow and flow” rates for interest rates which means they pay you less on savers if you withdraw out of them. Makes sense, unless you have savers for bills and then a bill payment comes out for the month, boom there goes your interest. Awful.

Then I tried to withdraw to another bank account for time sensitive transaction on my home loan and, even after asking about limits well beforehand, they blocked me and absolutely refused to remove any restrictions or delays on it which meant I was risking losing a house purchase. Way too much say in what you can and can’t do with your own money and making the withdrawal experience awful under the guise of security and scams instead of treating customers at individual level. It just doesn’t make sense and nothing you do or say will ever please them.

Unfortunately no matter how good their UI is, it doesn’t make up for the decisions they’re making, lack of caring for feedback anymore, and too much say in what you do with your own money.

Absolutely awful. Opened an account, and 1 month later I tried to transfer $50 to Swyftx (Australia's largest registered crypto exchange) and the payment was blocked. Used chat feature in the app, and the person said sorry, they cant help and they couldn't say why they it was blocked it (despite their bank are the ones who are blocking it!). An absolutely useless company.

Absolutely terrible customer service experience that has completely soured my relationship with Up Bank. I've been a customer for over a year, and while the app interface was initially appealing, the customer service is non-existent when you actually need help. When I encountered an issue with a disputed transaction, I reached out multiple times… Read more

through their in-app chat support. Responses were painfully slow - sometimes taking days to get a reply, and when they did respond, the answers were generic copy-paste responses that didn't address my specific situation.

The lack of phone support is a major red flag. When you're dealing with banking issues, especially time-sensitive ones, waiting days for a chat response is completely unacceptable. I was passed between different support agents who each asked me to repeat the same information over and over again, showing no record of previous conversations.

To make matters worse, my issue still hasn't been resolved after weeks of back-and-forth. The customer service team seems undertrained and unable to escalate issues properly. For a digital bank that positions itself as modern and customer-focused, the reality is disappointing.

I cannot recommend Up Bank if you value responsive customer service. Stick with traditional banks that at least have phone support when things go wrong.

Wallet stolen along with the phone. No ability to use the app or send an email. Out of hours the only way you can cancel cards is to send them an email or use the app. If you get someone else to send an email for you asking them to ring, they tell you they can’t help unless the email comes form their email account. So pretty much acreeed out of… Read more

hours and people can go nuts with your card because they have such rubbish practical options in place. Zero stars

I regret starting with UP account. No atom of sense of urgency or customer service. I have been stranded at pay points uncountable number of times since less than 1 year of using UP. I transfer now in there and the money never shows up, and I can’t use the card!! I’ll definitely get all my money out of it the moment it starts working. Very unrecommendable bank!! Jeez!! You guys better refund my $40 into my bank card

Randomly sent me a message and told me they were closing my bank account in 30 days and to move my $3000 out before then… lucky I checked the messages inside the app as I didn’t have notification activated. Show details

If you enjoy being sexually harassed by bank staff when conducting your banking - and unbelievably - then being told that Bendigo Bank/Up in fact encourage staff to sexually harass their customers and if you raise any concern - as the victim of such conduct - you will in fact be told you were asking for it/enjoyed it/deserved it. This position by… Read more

the Bendigo Bank/Up has been clearly & unequivocally put in writing which will be posted wherever possible and tendered as evidence in the likely event of Court proceedings.

Refinanced a home loan with Up Bank. What a nightmare! The application went smoothly up until it went to their lawyers' MSA. After 44 Days of: - Document requests (they requested the same document 3 times!) - stuff ups (too many to count - had to keep scheduling a JP to certify yet another document) - sheer incompetence (sent us on wild goose… Read more

chases with our insurers that wasn't required)

After making a complaint, both MSA and Upbank started taking it seriously, and we finally got a settlement!

Only... the surplus funds we requested - haven't arrived. So we're paying interest on money we don't even have! Upbank don't seem at all concerned.

Someone from Upbank said they were investigating compensation options weeks ago – but I never heard back from them.

The sting of finding that MSA lawyers passed along a $10 "service" charge! Also, they decided not to wear the $500 title office charges - despite the god awful "service" provided.

All up with the discharge fees - we're not even saving money this year by refinancing.

Massively regret ever taking on this endeavour. No sense of customer service. Always quick with an apology & admitting fault - but no offer to make it right. Don't make my mistake. Find yourself a bank that respects you and your time.

Up recently changed their interest rate on the back of customer feedback that the rate of 3.85% was too low, which is fair. But in changing their rate, they've completely ruined 90% of its money-saving features now, counteractively going against what made Up so brilliant in the first place. Unfortunately, they seem set in their ways to make… Read more

your own money ever so much harder to work for you and I like many thousands of their most loyal customers for years are moving from Up. Grow and Flow is the death of Up.

I've been with them for about five years and I'm ready to leave. The experience on Android is second class. From around 3 weeks ago, the send money button stopped working; it brings up the GIF/sticker picker menu instead of sending your money. The bank has not communicated the issue and just respond with "we've submitted a ticket to the… Read more

developers, but bugs take a while to fix". This is a critical feature! I tried to email them but discovered that the menu button on their website doesn't work on Android phones. They are clearly a team of iPhone users which is why there are more features on iOS, and you don't read anything about core functionally breaking bugs that drag on for 1+months on iOS.