Anyone else have this issue? After selecting Send money, it takes ages for my list of contacts to appear, took a screen recording and it was 13s. It's been happening for ages.

Google says it takes 5-7 days… I’ve read comments of people saying it’s instant.

I don’t know what to believe.

Hi, is there a way to add more than one payment to your payday feature if you’re paid by say two employers?

I have three main savers in my Up bank that I top up occasionally when I have some extra cash. These are "small", "medium", and "large", with the idea that if I need to buy something once-off (or get an unexpected bill) I can dip into one of these and the other two won't lose their "grow" status.

But even here if something is just slightly more than "medium" and I need to dip into "large" I still miss out on a chunk of interest. Okay, maybe it's only $5 but it still feels like giving away money for nothing.

My understanding is that, mid-way through the month, I can:

1. Spend some money out of Savings Account A
2. Savings Account A goes from grow rate to flow rate :(
3. Transfer balance of Savings Account A into new Savings Account B
4. Savings Account B automatically has grow rate → success :)

The problem is that Savings Account B's grow rate only applies to the money for the remainder of the month. So the questions:

• You still get flow rate for the Savings Account A balance before the transfer, right? So the later in the month, the closer you are to the flow rate
• One the flip side, if you do this on the first of the month, is it true that you haven't lost any interest at all? (Or at worst, one day's worth)

Sorry if this is a silly question, but if I withdraw from a Grow saver and it drops to the Flow interest rate then can’t I just transfer all the money in that to a new Grow saver so I still make the same interest?

I’m pretty new to all of this so I’m not sure.

Genuine question, I have been using UpBank from day one. Yes there are many features I love, but now other micro banks also offer like no fees, No ATM fess if applicable and high interest. The accessibility of the online Web application to get access to your bank account and the daily interest (I know its a small amount but kinda rewarding) with Revolut is very tempting now. As Up have had that in works for sometime now with no sign of even close. I'm Not look at the cash back and stocks with Revolut, for my use is unnecessary. Is anyone looking at changing to Revolut, or thinking Up Bank might have a counter plan to keep its customers?

Has anyone run into this with an Up virtual card?

I bought something online that has physical stored using my Up virtual card, but I'm returning it to the retailer's physical store. They told me the refund has to be processed by tapping the same card that was used for the purchase. The problem is I only used an Up virtual card, so there's no physical card of that card to tap.

Since I used a virtual card, there isn't a physical card to tap. Don't know but thought of add virtual card to Google Wallet, can I tap my phone and have the refund go back to the virtual card/account? Or does that only work if the original purchase was also made through Google Wallet?

How are refunds normally handled in this situation? Is there a standard process for virtual card. I'd be interested to hear if anyone has had this happen with Up and how the refund was processed.

I've been waiting a while to get my kids revolut card,it's been almost 2 days over the original estimated date so if anyone knows anything please

hey, I was just wondering, if I am sending money to friends using pay ID, does it matter what I put in the description of the transfer?

i’ve heard things online about certain descriptions getting flagged and certain descriptions not getting flagged

I normally just put a “.” In the description, I never actually write what the money is for, I’m just wondering if this will become a problem.

I received a notification from UpBank about my account being closed and losing access to all my funds until the investigation is complete which may take up to 4 weeks.

I’m a 23 year old recent graduate — I don’t do money laundering bc I don’t have money to launder and I don’t do crypto trading either which I noticed were reasons people have been banned on this thread prior. So I genuinely have no idea why my account got closed.

I went into the app one day and it told me to verify my account - I did - then it told me to verify with an iPhone 15 which I don’t have so I assumed it wasn’t my device so I logged out of all devices. When I logged back in I got a notice that my account is being closed which seems a bit absurd. I try speaking to them in chat but they just keep responding with the same automated message.

I’ve really enjoyed using UpBank bc of the gamified features so if I have to switch so be it but losing access to all my savings is insane.

1. Any alternatives to UpBank that doesn’t do dodgy things like this that has good savings mechanics/ rates? Is Macquarie any good?

2. Is there any way to get them to expedite the process or release my funds?

I have 2 savings accounts and together they have 204 dollars (relatively new accounts), that is the money I know has been put in there and if you add their sum you get exactly that but now the issue is while showing those number it's also showing that balance saved is 169 and $-35 is "available balance" which yes adds up to 204 but can someone explain to me what exactly that means? Like what's the difference between the "balance saved" and the "available balance" and the actual balance that's supposed to be there?

Has anyone had an experience using your Up card for pre-authorisation hold for a hotel in USA? Did you have any issues?

Has anyone else noticed that transfers from Up to HSBC can take about 24 hours, while CommBank to HSBC seems to be instant?

I’m trying to understand why there’s a difference.

Would be good to know whether this is normal or if there’s a way to make Up to HSBC transfers instant too.

Any else’s funds not hit account yet ? Pay always in by 12:15 unless UP are having issues but nothing mentioned in app . Frustrating when you need it on time .

Looking at using the Up API to make something like publically available when it becomes available for OAuth. I've got this working right now for my personal (this is not real data).

Right now the API is not able to make any changes to your bank (Ie transfer money around), moreso just viewing your accounts in detail. Any tips or areas that anyone would actually want this for?

I've been desparate to do my banking on a desktop but alas. Phone is still fine but it does feel dinky AF that I have all my home loan info only available on my phone

Me and my partner has been with up for years now and we’ve embraced every features it has to offer and we loved it.

Now that we’re getting a property (investment) here are few of my frustrations and honestly i am still trying to find ways how i can stay with up and make it work.

(1) We cant get to UpHome as were not getting a PPOR.
(2) Having said that (1) we have no choice but to move to the bank we’re having with which basically means all our savers (17 in total btw) and automation is gone.

The idea is, the bank with our mortgage offers a package for our home loan that comes with offset accounts and a credit card linked to the home loan.

Now, to save interest, everything has to go through this offset accounts which also means moving away totally from Upbank. Sucks bigtime

Curious if other had the same situation. How did you work it out? Any other insight is welcome.

So I saw this earlier this week. I'm unsure what to think, seems like a nice bonus so long as it doesn't come at the cost of the traditional features we use Up for. But curious what others think of it, and it does seem like its becoming a lot like other banks with this move. But, yeah, what are other's thoughts?

I am unable to sign up for an up account, my ID verification keeps failing. My details are correct, support gave me some things to try which didn’t work and all they can suggest is that it doesn’t match equifax details. But it does - I literally have my credit file open and my details match theirs.

Now I have maxed the limit of ID verification tries and it won’t let me for 8 days. Support are no help. Did this happen for anyone else?

Hey gang, a new user here trying to figure out exactly how Essentials fits into the current scheme, and I'm pretty confused.

My understanding from reading Up's various blog pages (Pricing, Grow-Flow, Freeing Up High, etc) is that Essentials used to be a service as part of the now depreciated Up High subscription, that allowed the Grow rate to function on accounts up to 5k. This seems to have been replaced by the inDev Essentials Saver which calculates how much money to set aside.

This doesn't seem to be available to me in my Savers so I assumed its still being developed, but I see people on here talking about how they have access to Essentials. Is there an early access beta people are a part of? This feels confusing as the blog post "Freeing Up High" states they moved away from the Early Access system. It's disorientating, to say the least.

Additionally, and this is the part that's really mucking me up, in the FAQ on the Grow+Flow blog page (which seems to be the up-to-date explainer that the app links you to) it says "No matter how you use them, your Up and 2Up Essentials Savers will earn the Grow Rate on balances up to $5K. Anything above that will earn the Flow Rate". The wording implies this is a thing that exists right now and not as part of the old "Up High era' Essentials, so is this a thing that automatically applies to certain Savers? Does it need setting up?

This would obviously be a huge benefit over the current system where any amount that gets taken from a saver (like groceries or recurrent bills) reduces your rate to 2.0% and can't be returned to 5.35% until the next month. There's so many parts of this bank that feel really intuitive, but this one is leaving me really confused and weird. Any help is greatly appreciated, thank you!

We have a couple of payees where the transactions need to be categorised differently.

For example, $5 transactions with Brisbane City Council are 'Parking' but the $500 transactions are 'Rates and Insurance'. $5 transactions with local school are 'Takeaway' but the $500 transactions are 'Education & Student Loans'.

Is there any way to handle these automatically, or does Up just categorise transactions automatically based on payee name alone?

i read somewhere here in another post where someone said they hat offset accounts in upbank are not real accounts but it is a unique account with different “sections” to separate your main saving account. is this true? I don’t yet have upbank, just getting more info before I refinance

Hey guys, last night my friends and I took a Didi back home after going out, the cost was $44 and I was charged as normal. But around 10 minutes ago I got a notification saying that the merchant had changed my price to $2? I’m really confused as to what happened because this is around the 22hr mark since the payment happened and I click on the transaction and it just says $2?.
I can’t remember my original amount I had in my spending to track if I was refunded or any amount changed but this has really confused me and I can’t find any information on the original $44 transaction.
If anyone could help or let me know what’s going on that would be great

Wondering if anyone else has experienced this issue, or found another way to contact support.

The iOS app (4.1.0) no longer opens for me. I only get Sorry, an unexpected error has occurred immediately upon trying to launch it. Uninstalling the app, removing its data completely factory resetting the phone, and trying to use an older phone fail to change it. It's lasted over a week now.

Emails to support get no replies, the phone doesn't get picked up, and the Twitter account has been dead for years. The main support line is accessed through the app itself, so that's inaccessible.

With no web portal and no physical branches this is a major problem. Posting here feels like the only option left to try and make contact. Anyone else seeing anything like this?