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
11.23% PA
Comparison Rate
0.00%PA*
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if we make a retrieval request for a Sales voucher for a non-PIN generated transaction and the retrieval request is withdrawn or determined as being a valid transaction.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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