UBank

● You can open an account in minutes on the app.

● Open both a USave savings account and a USpend transaction account, follow some easy steps to meet the bonus interest criteria and you could unlock a competitive bonus interest rate on up to 10 savings buckets. (Check out the eligibility criteria in the app or at ubank.com.au).

● No UBank fees on USave and USpend.

● Optional features like Sweeps, which moves your money between your accounts, helping you earn more interest on your savings while making sure you have enough in your USpend account.

● We’re continually adding more features and tools, like our budgeting tool that’s coming soon.

● We don’t charge international or ATM withdrawal fees overseas (but ATM owners and stores might).

● Super secure overseas banking.

● Push notifications that ensure you approve all payments.

● With no branches, we pass on these savings to you and our other 600,000 customers.

● Great rates, low fees and Aussie-based support teams.

● Extra convenience –pay bills with BPAY or spend on-the-go with UBank Pay, Samsung Pay, Google Pay, Garmin Pay or Fitbit Pay.

● Super quick log in with your face or fingerprint (on compatible devices).

● Your savings with UBank are government guaranteed, up to the value of $250,000 per customer per financial institution.

Important information:

Subject to network provider coverage.

® BPAY is a registered trademark of BPAY Pty Limited ABN 69 079 137 518.

Google Pay is a registered trademark of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, you should consider whether it is appropriate for your circumstances. We recommend that you read and consider the relevant Terms and Conditions for our products and our Financial Services Guide available at www.ubank.com.au before making any decision. Credit criteria and fees and charges can apply. Target Market Determinations for these products are available at ubank.com.au/tmd.

UBank is a division of National Australia Bank Limited ABN 12 004 044 937, AFSL and Australian Credit Licence 230686. UBank is the issuer of the USpend and USave products. For our home loan products, the credit provider is AFSH Nominees Pty Ltd ABN 51 143 937 437 Australian Credit Licence 391192. UBank is the mortgage manager for our home loan products.