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Ubank is a digital bank with all the tools you need to succeed with money. No matter where you’re starting from, Ubank has features to help you see money better, so you can do money better.

- No monthly fees here or overseas from Ubank for everyday banking.

- Easy to unlock bonus interest with a great rate on up to $1M total savings per customer. Simply deposit $500 per month from an external source to earn your interest.

- Get insights on your spending that sync to your Pay Cycle, and use Split Income to automatically divide your pay when it lands in your account.

- Link your other banks to Ubank with Connected Accounts to see your money all in one place.

- Add cards to your digital wallet within minutes of signup to start spending straight away.

- Stay on top of regular expenses with a Bill Planner and a separate Bills account to make paying your bills more chill.

- Easily create Shared accounts in the app, so you can start sharing money with your partner-in-finance, whether it’s for rent or romance.

- Set Savings Targets for up to 10 savings accounts and track your goals, with the option to set-and-forget with Split Income and Autosave features.

Ubank also supports you in the big moments, with simple home loan options and fast application review for owner-occupiers, investors, and refinancing customers. Apply direct with Ubank for simple application, flexible loans and great customer support from our local home loan specialists.

Download the app and get started in minutes with a Spend, Save and Bills account.

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

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Ubank is part of the NAB Group 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. You will need at least one form of ID (Australian driver licence, Australian passport, Medicare card or birth certificate) to sign up.

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

Read our Welcome Bonus Rate and Everyday Bonus Rate terms at ubank.com.au/banking/savings-account

Read our Bonus Offer terms at http://ubank.com.au/campaigns/welcome-offer

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Ubank is a digital bank with all the tools you need to succeed with money. No matter where you’re starting from, Ubank has features to help you see money better, so you can do money better.

- No monthly fees here or overseas from Ubank for everyday banking.

- Easy to unlock bonus interest with a great rate on up to $1M total savings per customer. Simply deposit $500 per month from an external source to earn your interest.

- Get insights on your spending that sync to your Pay Cycle, and use Split Income to automatically divide your pay when it lands in your account.

- Link your other banks to Ubank with Connected Accounts to see your money all in one place.

- Add cards to your digital wallet within minutes of signup to start spending straight away.

- Stay on top of regular expenses with a Bill Planner and a separate Bills account to make paying your bills more chill.

- Easily create Shared accounts in the app, so you can start sharing money with your partner-in-finance, whether it’s for rent or romance.

- Set Savings Targets for up to 10 savings accounts and track your goals, with the option to set-and-forget with Split Income and Autosave features.

Ubank also supports you in the big moments, with simple home loan options and fast application review for owner-occupiers, investors, and refinancing customers. Apply direct with Ubank for simple application, flexible loans and great customer support from our local home loan specialists.

Download the app and get started in minutes with a Spend, Save and Bills account.

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group 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. You will need at least one form of ID (Australian driver licence, passport, Medicare card or birth certificate) to sign up.

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

Read our Welcome Bonus Rate and Everyday Bonus Rate terms at ubank.com.au/banking/savings-account

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.

No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:

- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, 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

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.

No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:

- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, 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

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.

No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:

- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, 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

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.

No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:

- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, 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

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.

No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:

- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, 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

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.

No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:

- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, 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

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia

Signing up with a bonus code? Enter your code and make 5 eligible card purchases in your first 30 days to earn your signup bonus. See full terms below.

Ubank is an everyday money app with banking and budgeting tools that help you get ahead with money.

No matter where you’re starting from, ubank has loads of savvy features to help you do everyday money better, including:

- No monthly fees and no overseas or international transaction fees from ubank.

- Easy to unlock bonus interest on Save accounts, with a monthly $500 deposit (on balances up to $250K per customer). Withdraw money without affecting your bonus interest rate.

- Connected Accounts, to display your other bank accounts and their balances in the ubank app.

- Instant digital cards so you can start spending straight away with your digital wallet.

- Bill prediction to notify you when your regular expenses are coming up.

- Shared Accounts for rent or romance, so you can share money with your partner-in-finance.

- Save Targets with an Autosave option, to help you save like a machine for your goals.

- A Spending Footprint that tracks your spending in easy to follow categories.

Ubank also supports you in the big moments, with flexible home loans for owner-occupiers, investors, and refinancing your loan. Apply with ubank for a comfortable loan with easy application, fast approval and great customer support along the way.

Download the app and get started in minutes with a Spend and Save account.

---------------------------------------------------------------------------------------------------------------------

Ubank is part of the NAB Group and uses advanced encryption technology to protect your money.

Ubank is open to Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, 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

Read our Bonus Offer terms at ubank.com.au/join-ubank

Apple, the Apple logo and iPhone are trademarks of Apple Inc., 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 Address: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia