Up Digital Banking Referral Code

Up Digital Banking Promo Codes & Referral Bonuses 2025

Welcome to the Up Digital Banking referral page, your Australian mobile-first banking solution with innovative savings features and zero fees. This award-winning digital bank (backed by Bendigo and Adelaide Bank) offers 4.85% interest on Up Savers accounts with 5 monthly transactions and no withdrawals (1.50% base rate), up to 50 customizable Savers accounts with emojis and personalized names, bonus interest on combined balances up to $1 million, zero monthly fees, no account keeping fees, no transaction fees, no ATM withdrawal fees, no international transaction fees, Round Ups that automatically save spare change, Pay Splitting to direct salary into different Savers, real-time PayID/Osko payments, and detailed spending insights with automatic categorization.

Using an Up Banking referral is easy! When friends sign up through your referral code, both of you earn cash bonuses to kickstart your savings journey.

✨ The benefits of the Up Banking referral program grow over time! New users receive a $15 bonus when they sign up using a referral code. 🥳 For referring users, you'll earn a $10 bonus for each successful referral in your first year, increasing by $1 each year you remain an Up customer, up to a maximum of $15 per referral.

Here's how to use an Up Banking referral:

1️⃣ Click a referral link from this page to download the Up app (available in Australia).

2️⃣ Complete registration using the referral code and verify your identity.

3️⃣ Receive your $15 welcome bonus and start creating custom Savers for your goals.

4️⃣ Make 5 transactions per month with no Saver withdrawals to earn 4.85% interest on your savings.

Sharing smart savings is rewarding for everyone! ✨ Up Banking referrals help friends access 4.85% interest with zero fees while earning bonuses that grow each year. Share Australia's favorite digital bank. 🚀