{"id":91149,"date":"2026-05-15T17:52:13","date_gmt":"2026-05-15T08:22:13","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=91149"},"modified":"2026-09-06T19:56:49","modified_gmt":"2026-09-06T10:26:49","slug":"ubank-referral-code","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/ubank-referral-code\/","title":{"rendered":"uBank Referral Code \u2013 Free $30 on New Accounts"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Using a uBank referral code is one of the easiest ways to pocket free cash when opening a new account. Right now, new customers can score $30 simply by signing up with a valid referral code and making 5 purchases with their new debit card or phone. uBank is Australia&#8217;s original digital bank (part of NAB since 2021), with a competitive welcome savings rate for new customers and zero monthly fees &#8211; so stacking a referral bonus on top makes it an even smarter move.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Latest uBank Referral Codes &amp; Deals \u2013 September 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Last verified: <strong>14 September, 2026<\/strong>. Our content is \u2714 Updated Weekly \u2714 Verified &nbsp;\u2714 No Expired Deals<\/em><\/p>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-e98c49ef-2701-4b7d-881f-c8f652dc4ce8\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"233\"],\"orderby\":\"date\",\"tax_query\":[{\"relation\":\"AND\",\"0\":{\"taxonomy\":\"offerexpiration\",\"field\":\"name\",\"terms\":\"yes\",\"operator\":\"NOT IN\"}}],\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_1914286298\" data-innerargs='{\"aff_link\":\"1\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  coupontype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Hot! Score $30 when you join Ubank\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\"  rel=\"nofollow sponsored\" target=\"_blank\"  data-codeid=\"674\" data-dest=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\" data-clipboard-text=\"T5JC1XS\" class=\"masked_coupon\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/ubank-referral-code-logo-4-1200x630-1-rp857f6uvynptyc2kg7sihpbkngzcr5q6x42ax8g9k.png\" height=\"92\" alt=\"Hot! Score $30 when you join Ubank\" \/>                        <\/a>\r\n            <div class=\" coupontype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Coupon<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\"  rel=\"nofollow sponsored\" target=\"_blank\"  data-codeid=\"674\" data-dest=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\" data-clipboard-text=\"T5JC1XS\" class=\"masked_coupon\">Hot! Score $30 when you join Ubank<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nCheck out ubank! Join using our code and we&#8217;ll both score $30 when you sign up, and make 5 purchases using your new debit card or phone.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  reveal_enabled mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tjoin now\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t    \t\t\t\t\t    \t\t<div class=\"post_offer_anons\">\n\t\t\t    \t\t\t\t\t                \t<span class=\"coupon_btn re_track_btn btn_offer_block rehub_offer_coupon masked_coupon \" data-clipboard-text=\"T5JC1XS\" data-codeid=\"674\" data-dest=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\">\n\t\t                \t\t\t\t\t            \t\t\tjoin now\t\t                \t\t\t\t                \t<\/span>\n\t\t            \t<\/div>\n\t            \t\t\t    \t\t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Use a uBank Referral Code<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Download the uBank app and begin the account sign-up process.<\/li>\n\n\n\n<li>On the &#8220;About you&#8221; screen, enter your referral code when prompted.<\/li>\n\n\n\n<li>Complete account setup \u2013 you&#8217;ll receive your account number and card in the app once approved.<\/li>\n\n\n\n<li>Make 5 eligible card purchases within your first 30 days (purchases must be settled).<\/li>\n\n\n\n<li>Your $30 bonus will be credited to your uBank Spend account once the criteria are met.<\/li>\n<\/ul>\n\n\n\n<!--\n  TCM CTA BLOCK \u2014 uBank\n  Paste as a Custom HTML block directly after the Final Thoughts section.\n-->\n<style>\n.tcm-cta-outer {\n  background: #0a1f5c; border-radius: 12px; padding: 1.75rem 2rem;\n  display: flex; align-items: center; justify-content: space-between;\n  gap: 1.5rem; flex-wrap: wrap; border: 1px solid rgba(184,153,46,0.25);\n}\n.tcm-cta-left { display: flex; align-items: center; gap: 1.25rem; flex: 1; min-width: 200px; }\n.tcm-cta-logo { width: 90px; height: 50px; object-fit: contain; background: #ffffff; border-radius: 8px; padding: 6px; flex-shrink: 0; }\n.tcm-cta-eyebrow { font-size: 10px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #b8992e; margin: 0 0 5px; }\n.tcm-cta-heading { font-size: 19px; font-weight: 700; color: #ffffff; margin: 0 0 6px; line-height: 1.25; }\n.tcm-cta-sub { font-size: 13px; color: rgba(255,255,255,0.65); margin: 0; line-height: 1.5; }\n.tcm-cta-btn {\n  display: inline-flex; align-items: center; justify-content: center;\n  background: #b8992e; color: #ffffff; font-size: 13px; font-weight: 700;\n  text-decoration: none; text-transform: uppercase; letter-spacing: 0.06em;\n  padding: 14px 28px; border-radius: 8px; white-space: nowrap; flex-shrink: 0;\n  box-shadow: 0 3px 12px rgba(184,153,46,0.4);\n}\n@media (max-width: 600px) { .tcm-cta-outer { flex-direction: column; align-items: stretch; padding: 1.25rem; } .tcm-cta-btn { width: 100%; text-align: center; } }\n<\/style>\n<div class=\"tcm-cta-outer\">\n  <div class=\"tcm-cta-left\">\n    <img decoding=\"async\" class=\"tcm-cta-logo\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/04\/ubank-referral-code-logo-4-1200x630-1.png\" alt=\"uBank\">\n    <div>\n      <p class=\"tcm-cta-eyebrow\">Personal Banking<\/p>\n      <p class=\"tcm-cta-heading\">Free $30 when you join uBank. Code: T5JC1XS.<\/p>\n      <p class=\"tcm-cta-sub\">5.85% savings rate. No monthly fees. Make 5 purchases and your $30 lands automatically.<\/p>\n    <\/div>\n  <\/div>\n  <a class=\"tcm-cta-btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\" target=\"_blank\" rel=\"nofollow sponsored\">Claim $30 Bonus \u2192<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Can You Save with a uBank Referral Code?<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Action<\/th><th>Reward<\/th><\/tr><\/thead><tbody><tr><td>Sign up with referral code<\/td><td>$30 cash bonus<\/td><\/tr><tr><td>Monthly account fee<\/td><td>$0<\/td><\/tr><tr><td>Welcome savings rate (first 4 months)<\/td><td>Boosted rate for new customers*<\/td><\/tr><tr><td>Everyday savings rate (ongoing)<\/td><td>Standard bonus rate*<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Rates are variable and set by uBank and change periodically \u2014 for the current rate, check the <a href=\"https:\/\/apps.apple.com\/au\/app\/id1449543099\">uBank app<\/a> or see our <a href=\"\/ubank-spend-account-guide\/\">uBank Spend account guide<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Ways to Save with uBank<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Claim your referral bonus upfront<\/strong> \u2013 Sign up with a referral code to unlock your $30 cash bonus after completing the required steps.<\/li>\n\n\n\n<li><strong>Pair the bonus with uBank&#8217;s welcome savings rate<\/strong> \u2013 Deposit your reward straight into a Save account to make the most of the boosted rate uBank offers new customers for their first 4 months.<\/li>\n\n\n\n<li><strong>Avoid fees and keep more of your money<\/strong> \u2013 uBank charges no monthly fees, so every dollar from the referral stays in your pocket.<\/li>\n\n\n\n<li><strong>Use your debit card for everyday spending<\/strong> \u2013 Knocking over 5 purchases is easy when you use the card for groceries, coffee or transport in your first month.<\/li>\n\n\n\n<li><strong>Refer friends after you join<\/strong> \u2013 Once you&#8217;re a customer, share your own code and earn bonuses each time someone signs up.<\/li>\n<\/ul>\n\n\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"94789\" class=\"elementor elementor-94789\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ef334d e-flex e-con-boxed e-con e-parent\" data-id=\"8ef334d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e3fc06 elementor-widget elementor-widget-html\" data-id=\"8e3fc06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n.tcm-cta-dual {\r\n  background: #F7F8FC;\r\n  border-radius: 12px;\r\n  padding: 1.75rem 2rem;\r\n  border: 1px solid rgba(10,31,92,0.1);\r\n  box-shadow: 0 4px 14px rgba(10,31,92,0.06);\r\n}\r\n.tcm-cta-dual-heading {\r\n  font-size: 11px;\r\n  font-weight: 700;\r\n  letter-spacing: 0.12em;\r\n  text-transform: uppercase;\r\n  color: #0a1f5c !important;\r\n  margin: 0 0 1.5rem;\r\n  text-align: center;\r\n}\r\n.tcm-cta-dual-row {\r\n  display: grid;\r\n  grid-template-columns: 1fr 1fr 1fr;\r\n  align-items: stretch;\r\n  gap: 1.25rem;\r\n}\r\n.tcm-cta-dual-item {\r\n  display: flex;\r\n  flex-direction: column;\r\n  align-items: center;\r\n  text-align: center;\r\n  gap: 0.85rem;\r\n  min-width: 0;\r\n  background: #ffffff;\r\n  border: 1px solid rgba(10,31,92,0.1);\r\n  border-radius: 10px;\r\n  padding: 1.25rem 1rem;\r\n  box-shadow: 0 2px 8px rgba(10,31,92,0.05);\r\n}\r\n.tcm-cta-dual-logo {\r\n  width: 128px;\r\n  height: 72px;\r\n  object-fit: contain;\r\n  flex-shrink: 0;\r\n}\r\n.tcm-cta-dual-content {\r\n  display: flex;\r\n  flex-direction: column;\r\n  align-items: center;\r\n  gap: 0.6rem;\r\n  flex: 1;\r\n  width: 100%;\r\n  justify-content: space-between;\r\n}\r\n.tcm-cta-dual-item-heading {\r\n  font-size: 15px;\r\n  font-weight: 700;\r\n  color: #0a1f5c !important;\r\n  margin: 0;\r\n  line-height: 1.25;\r\n}\r\n.tcm-cta-dual-sub {\r\n  font-size: 12px;\r\n  color: rgba(10,31,92,0.6) !important;\r\n  margin: 0;\r\n  line-height: 1.5;\r\n}\r\n.tcm-cta-dual-btn,\r\n.tcm-cta-dual-btn:link,\r\n.tcm-cta-dual-btn:visited {\r\n  display: inline-flex;\r\n  align-items: center;\r\n  justify-content: center;\r\n  background: #0a1f5c;\r\n  color: #ffffff !important;\r\n  -webkit-text-fill-color: #ffffff !important;\r\n  font-size: 12px;\r\n  font-weight: 700;\r\n  text-decoration: none !important;\r\n  text-transform: uppercase;\r\n  letter-spacing: 0.06em;\r\n  padding: 10px 18px;\r\n  border-radius: 8px;\r\n  white-space: nowrap;\r\n  align-self: center;\r\n  margin-top: 0.2rem;\r\n  box-shadow: 0 3px 10px rgba(10,31,92,0.2);\r\n}\r\n.tcm-cta-dual a.tcm-cta-dual-btn:hover,\r\n.tcm-cta-dual a.tcm-cta-dual-btn:focus,\r\n.tcm-cta-dual a.tcm-cta-dual-btn:active,\r\n.tcm-cta-dual-item .tcm-cta-dual-btn:hover,\r\n.tcm-cta-dual-item .tcm-cta-dual-btn:focus,\r\n.tcm-cta-dual-item .tcm-cta-dual-btn:active {\r\n  background: #0a1f5c !important;\r\n  color: #ffffff !important;\r\n  -webkit-text-fill-color: #ffffff !important;\r\n  opacity: 1 !important;\r\n}\r\n\r\n\/* Featured treatment \u2014 ING only *\/\r\n.tcm-cta-dual-item--featured {\r\n  position: relative;\r\n  border: 1px solid rgba(184,153,46,0.5);\r\n  box-shadow: 0 2px 10px rgba(10,31,92,0.05);\r\n}\r\n.tcm-cta-dual-badge {\r\n  position: absolute;\r\n  top: -11px;\r\n  left: 50%;\r\n  transform: translateX(-50%);\r\n  background: #b8992e;\r\n  color: #ffffff !important;\r\n  font-size: 9.5px;\r\n  font-weight: 800;\r\n  letter-spacing: 0.08em;\r\n  text-transform: uppercase;\r\n  padding: 3px 10px;\r\n  border-radius: 999px;\r\n  white-space: nowrap;\r\n  box-shadow: 0 2px 8px rgba(0,0,0,0.15);\r\n}\r\n.tcm-cta-dual-item--featured .tcm-cta-dual-item-heading {\r\n  font-size: 16px;\r\n}\r\n.tcm-cta-dual-item--featured .tcm-cta-dual-btn,\r\n.tcm-cta-dual-item--featured .tcm-cta-dual-btn:link,\r\n.tcm-cta-dual-item--featured .tcm-cta-dual-btn:visited {\r\n  background: #b8992e;\r\n  color: #ffffff !important;\r\n  -webkit-text-fill-color: #ffffff !important;\r\n  box-shadow: 0 3px 10px rgba(184,153,46,0.3);\r\n}\r\n.tcm-cta-dual-item--featured .tcm-cta-dual-btn:hover,\r\n.tcm-cta-dual-item--featured .tcm-cta-dual-btn:focus,\r\n.tcm-cta-dual-item--featured .tcm-cta-dual-btn:active {\r\n  background: #93761f !important;\r\n  color: #ffffff !important;\r\n  -webkit-text-fill-color: #ffffff !important;\r\n  opacity: 1 !important;\r\n}\r\n\r\n@media (max-width: 640px) {\r\n  .tcm-cta-dual {\r\n    padding: 1.25rem;\r\n  }\r\n  .tcm-cta-dual-row {\r\n    grid-template-columns: 1fr;\r\n    gap: 1.1rem;\r\n  }\r\n  .tcm-cta-dual-item--featured {\r\n    order: -1;\r\n  }\r\n  .tcm-cta-dual-btn {\r\n    width: 100%;\r\n    text-align: center;\r\n  }\r\n}\r\n<\/style>\r\n<div class=\"tcm-cta-dual\">\r\n  <p class=\"tcm-cta-dual-heading\">Bank Sign-Up Bonuses Worth Grabbing<\/p>\r\n  <div class=\"tcm-cta-dual-row\">\r\n    <div class=\"tcm-cta-dual-item\">\r\n      <img decoding=\"async\" class=\"tcm-cta-dual-logo\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/05\/up-bank-referral-code-logo-4.png\" alt=\"Up Bank\">\r\n      <div class=\"tcm-cta-dual-content\">\r\n        <p class=\"tcm-cta-dual-item-heading\">Get $18 free with Up Bank.<\/p>\r\n        <p class=\"tcm-cta-dual-sub\">No fees, no foreign transaction fees, best-in-class app. Join 1M+ Australians banking smarter.<\/p>\r\n        <a class=\"tcm-cta-dual-btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/up\" target=\"_blank\" rel=\"nofollow sponsored\" style=\"color:#ffffff !important;\">\r\n          Claim $18 Bonus \u2192\r\n        <\/a>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"tcm-cta-dual-item tcm-cta-dual-item--featured\">\r\n      <span class=\"tcm-cta-dual-badge\">Great Deal<\/span>\r\n      <img decoding=\"async\" class=\"tcm-cta-dual-logo\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/05\/ing-referral-code-logo-4.png\" alt=\"ING\">\r\n      <div class=\"tcm-cta-dual-content\">\r\n        <p class=\"tcm-cta-dual-item-heading\">Get $100 when you join ING.<\/p>\r\n        <p class=\"tcm-cta-dual-sub\">Deposit the minimum amount and make eligible card purchases within the required timeframe to unlock the bonus.<\/p>\r\n        <a class=\"tcm-cta-dual-btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ing\" target=\"_blank\" rel=\"nofollow sponsored\" style=\"color:#ffffff !important;\">\r\n          Claim $100 Bonus \u2192\r\n        <\/a>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"tcm-cta-dual-item\">\r\n      <img decoding=\"async\" class=\"tcm-cta-dual-logo\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/04\/ubank-referral-code-logo-4-1200x630-1.png\" alt=\"uBank\">\r\n      <div class=\"tcm-cta-dual-content\">\r\n        <p class=\"tcm-cta-dual-item-heading\">Score $30 when you join uBank.<\/p>\r\n        <p class=\"tcm-cta-dual-sub\">Zero monthly fees and competitive savings rates. Sign up and make 5 purchases to unlock the bonus.<\/p>\r\n        <a class=\"tcm-cta-dual-btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/ubank-referral-code\/\" target=\"_blank\" rel=\"nofollow sponsored\" style=\"color:#ffffff !important;\">\r\n          Claim $30 Bonus \u2192\r\n        <\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">What is uBank?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">uBank is an Australian digital bank, part of National Australia Bank (NAB) since 2021 following its merger with fellow neobank 86 400. It operates entirely online with no physical branches, offering savings accounts, transaction accounts and home loans through a mobile-first app.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is uBank Worth It in 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes \u2013 especially if you&#8217;re just starting out with a digital bank. The $30 referral bonus requires minimal effort, the welcome savings rate is genuinely competitive, and there are no monthly fees eating into your balance. As an NAB-backed bank, deposits up to $250,000 are also protected under the <a href=\"https:\/\/www.apra.gov.au\/financial-claims-scheme\">Financial Claims Scheme<\/a>. The main trade-off is no physical branches &#8211; for the full breakdown of features, fees and eligibility, see our <a href=\"https:\/\/thechampagnemile.com.au\/ubank-spend-account-guide\/\" title=\"\">uBank Spend account guide<\/a>.<\/p>\n\n\n<div class=\"rate_bar_wrap\"><div class=\"wpsm-one-half\"><div class=\"wpsm_pros\"><div class=\"title_pros\">Positive<\/div><ul><li>No fees<\/li><li>Competitive welcome rate<\/li><li>Simple app<\/li><li>NAB-backed, FCS protected<\/li><\/ul><\/div><\/div><div class=\"wpsm-one-half\"><div class=\"wpsm_cons\"><div class=\"title_cons\">Negatives<\/div><ul><li>Online only<\/li><li>Limited products vs Big4 banks<\/li><\/ul><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">How uBank Promo Codes Work \/ Why Your Code Might Not Work<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Referral codes are unique links or alphanumeric codes shared by existing uBank customers. They must be entered during the initial sign-up process \u2013 you can&#8217;t apply one after your account is already open. Common reasons a code may not work: it has already been used, the referral promotion has ended, or you entered it at the wrong stage of sign-up.<\/p>\n\n\n\n<!--\n  TCM CTA BLOCK \u2014 uBank\n  Paste as a Custom HTML block directly after the Final Thoughts section.\n-->\n<style>\n.tcm-cta-outer {\n  background: #0a1f5c; border-radius: 12px; padding: 1.75rem 2rem;\n  display: flex; align-items: center; justify-content: space-between;\n  gap: 1.5rem; flex-wrap: wrap; border: 1px solid rgba(184,153,46,0.25);\n}\n.tcm-cta-left { display: flex; align-items: center; gap: 1.25rem; flex: 1; min-width: 200px; }\n.tcm-cta-logo { width: 90px; height: 50px; object-fit: contain; background: #ffffff; border-radius: 8px; padding: 6px; flex-shrink: 0; }\n.tcm-cta-eyebrow { font-size: 10px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #b8992e; margin: 0 0 5px; }\n.tcm-cta-heading { font-size: 19px; font-weight: 700; color: #ffffff; margin: 0 0 6px; line-height: 1.25; }\n.tcm-cta-sub { font-size: 13px; color: rgba(255,255,255,0.65); margin: 0; line-height: 1.5; }\n.tcm-cta-btn {\n  display: inline-flex; align-items: center; justify-content: center;\n  background: #b8992e; color: #ffffff; font-size: 13px; font-weight: 700;\n  text-decoration: none; text-transform: uppercase; letter-spacing: 0.06em;\n  padding: 14px 28px; border-radius: 8px; white-space: nowrap; flex-shrink: 0;\n  box-shadow: 0 3px 12px rgba(184,153,46,0.4);\n}\n@media (max-width: 600px) { .tcm-cta-outer { flex-direction: column; align-items: stretch; padding: 1.25rem; } .tcm-cta-btn { width: 100%; text-align: center; } }\n<\/style>\n<div class=\"tcm-cta-outer\">\n  <div class=\"tcm-cta-left\">\n    <img decoding=\"async\" class=\"tcm-cta-logo\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/04\/ubank-referral-code-logo-4-1200x630-1.png\" alt=\"uBank\">\n    <div>\n      <p class=\"tcm-cta-eyebrow\">Personal Banking<\/p>\n      <p class=\"tcm-cta-heading\">Free $30 when you join uBank. Code: T5JC1XS.<\/p>\n      <p class=\"tcm-cta-sub\">5.85% savings rate. No monthly fees. Make 5 purchases and your $30 lands automatically.<\/p>\n    <\/div>\n  <\/div>\n  <a class=\"tcm-cta-btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ubank\" target=\"_blank\" rel=\"nofollow sponsored\">Claim $30 Bonus \u2192<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts: Best uBank Deals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A uBank referral code is one of the simplest ways to earn free money when opening a new bank account in Australia. The $30 bonus, zero fees, and a competitive welcome savings rate make it a strong option for anyone looking to switch to a digital bank this year. Grab the latest code above and get started today.<\/p>\n\n\n\n<style>\n.tcm-bankalt-section { max-width: 860px; margin: 0 !important; padding: 0 !important; }\n.tcm-bankalt-section * { box-sizing: border-box; }\n\n.tcm-bankalt-section-header {\n  margin-bottom: 6px;\n}\n.tcm-bankalt-section-title,\nhtml body.wp-theme-rehub-theme .elementor-widget-container h2.tcm-bankalt-section-title {\n  font-size: 20px !important;\n  font-weight: 600 !important;\n  color: #0a1f5c !important;\n  letter-spacing: -0.01em !important;\n  line-height: 1.3 !important;\n  margin: 2.25rem 0 0 0 !important;\n  padding-bottom: 0.2rem;\n  background: none !important;\n}\n.tcm-bankalt-section-title::after {\n  content: '';\n  display: block;\n  width: 100%;\n  height: 1px;\n  background: linear-gradient(to right, #b8992e, rgba(184,153,46,0.15), transparent);\n  margin-top: 0.5rem;\n}\n.tcm-bankalt-section-desc {\n  font-size: 13px;\n  color: #555;\n  line-height: 1.65;\n  margin: 10px 0 16px;\n  max-width: 640px;\n}\n\n.tcm-bankalt-grid {\n  display: grid;\n  grid-template-columns: repeat(3, 1fr);\n  gap: 8px;\n}\n@media (max-width: 700px) { .tcm-bankalt-grid { grid-template-columns: repeat(2, 1fr); } }\n@media (max-width: 480px) { .tcm-bankalt-grid { grid-template-columns: minmax(0, 1fr); } }\n\n.tcm-bankalt-card {\n  background: #f8f9fc;\n  border: 1px solid rgba(10,31,92,0.08);\n  border-radius: 7px;\n  padding: 0.55rem 0.75rem;\n  text-decoration: none;\n  display: flex;\n  align-items: center;\n  gap: 8px;\n  transition: border-color 0.15s ease, background 0.15s ease;\n}\n.tcm-bankalt-card:hover {\n  border-color: #b8992e;\n  background: #ffffff;\n}\n.tcm-bankalt-card-icon {\n  width: 72px; height: 72px;\n  border-radius: 5px;\n  background: #ffffff;\n  flex-shrink: 0;\n  display: flex; align-items: center; justify-content: center;\n  overflow: hidden;\n}\n.tcm-bankalt-card-icon img {\n  max-width: 100%;\n  max-height: 100%;\n  object-fit: contain;\n  display: block;\n}\n.tcm-bankalt-card-text {\n  display: flex;\n  flex-direction: column;\n  gap: 2px;\n  min-width: 0;\n}\n.tcm-bankalt-card-name {\n  font-size: 12.5px;\n  font-weight: 600;\n  color: #0a1f5c;\n  line-height: 1.3;\n}\n.tcm-bankalt-card-desc {\n  font-size: 11px;\n  font-weight: 400 !important;\n  color: #777;\n  line-height: 1.4;\n}\n<\/style>\n\n<div class=\"tcm-bankalt-section\">\n  <div class=\"tcm-bankalt-section-header\">\n    <h2 class=\"tcm-bankalt-section-title\">Compare Other Banking Options<\/h2>\n  <\/div>\n  <p class=\"tcm-bankalt-section-desc\">Sign-up bonuses, savings rates and fees all vary between digital banks \u2014 it&#8217;s worth comparing more than one before you open an account. See our full <a href=\"https:\/\/thechampagnemile.com.au\/deals\/banking-finance-promo-codes\/\" style=\"color:#0a1f5c !important; font-weight:700; text-decoration:underline;\">Bank &amp; Finance Promo Codes<\/a> guide for every provider we cover.<\/p>\n  <div class=\"tcm-bankalt-grid\">\n  <a class=\"tcm-bankalt-card\" href=\"https:\/\/thechampagnemile.com.au\/deals\/ing-referral-code\/\" target=\"_blank\" rel=\"noopener\"><div class=\"tcm-bankalt-card-icon\"><img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/05\/ing-referral-code-logo-4.png\" alt=\"ING logo\" loading=\"lazy\"><\/div><div class=\"tcm-bankalt-card-text\"><span class=\"tcm-bankalt-card-name\">ING<\/span><span class=\"tcm-bankalt-card-desc\">A bigger sign-up bonus ($100 vs $18) and ATM fee rebates make ING worth considering over Up Bank if cashback on everyday spending matters \u2014 though Up&#x27;s app and zero foreign transaction fees are hard to beat for travellers.<\/span><\/div><\/a>\n  <a class=\"tcm-bankalt-card\" href=\"https:\/\/thechampagnemile.com.au\/deals\/revolut-referral-code\/\" target=\"_blank\" rel=\"noopener\"><div class=\"tcm-bankalt-card-icon\"><img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/07\/revolut-referral-code-logo-4.jpg\" alt=\"Revolut logo\" loading=\"lazy\"><\/div><div class=\"tcm-bankalt-card-text\"><span class=\"tcm-bankalt-card-name\">Revolut<\/span><span class=\"tcm-bankalt-card-desc\">A licensed Australian bank offering multi-currency accounts and fee-free currency conversion up to a monthly cap, plus instant spending notifications for travellers.<\/span><\/div><\/a>\n  <a class=\"tcm-bankalt-card\" href=\"https:\/\/thechampagnemile.com.au\/deals\/up-bank-referral-code\/\" target=\"_blank\" rel=\"noopener\"><div class=\"tcm-bankalt-card-icon\"><img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/05\/up-bank-referral-code-logo-4.png\" alt=\"Up Bank logo\" loading=\"lazy\"><\/div><div class=\"tcm-bankalt-card-text\"><span class=\"tcm-bankalt-card-name\">Up Bank<\/span><span class=\"tcm-bankalt-card-desc\">One of Australia&#x27;s original neobanks, known for its slick app, round-up savings features, and zero foreign transaction fees for travellers.<\/span><\/div><\/a>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">How do I get a uBank referral code?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Existing uBank customers receive a unique referral code via the app to share with friends. You can also find verified codes on sites like The Champagne Mile.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">When will I receive my referral bonus?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Once you\u2019ve made 5 eligible purchases within your first 30 days, the $30 bonus is credited to your uBank Spend account. Allow a few business days for processing.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Can I use more than one referral code?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No &#8211; only one referral code can be applied per new account, entered at the time of sign-up.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does the referral work if I\u2019ve had a uBank account before?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No, the referral bonus is for new customers only. If you\u2019ve previously held a uBank account, you won\u2019t be eligible.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What counts as an eligible purchase?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Any settled card purchase using your uBank debit card or linked phone\/device counts. Check uBank\u2019s current terms for any exclusions.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is uBank safe?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. uBank operates under NAB&#8217;s banking licence and is regulated by APRA, with deposits up to $250,000 protected under the Financial Claims Scheme. For the full detail on how uBank&#8217;s accounts, fees and eligibility work, see our <a href=\"https:\/\/thechampagnemile.com.au\/ubank-spend-account-guide\/\" title=\"\">complete uBank Spend account guide<\/a>.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Can I refer someone if I\u2019m a new customer myself?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes &#8211; once your account is active, you\u2019ll receive your own referral code to share.<\/p>\n<\/div><\/div>\n\n\n<div id=\"rh-postel-1884845417\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-1884845417 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-1884845417 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='michael' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">michael<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael is a contributor to The Champagne Mile &#8211; Deals. No fancy credentials &#8211; just a genuine obsession with finding ways to travel better for less, and sharing those finds with anyone who&#8217;ll listen. Michael figures there are plenty of other Australians who&#8217;d rather spend five seconds clicking a link than five hours searching for a working code.\r\n\r\nWhen he&#8217;s not buried in promo codes, Michael is probably planning his next trip overseas or dirtbike adventure.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>","protected":false},"excerpt":{"rendered":"<p>Using a uBank referral code is one of the easiest ways to pocket free cash when opening a new account. Right now, new customers can score $30 simply by signing up with a valid referral code and making 5 purchases with their new debit card or phone. uBank is Australia&#8217;s original digital bank (part of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":91985,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-91149","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Use a uBank referral code and score a free $30 bonus when you sign up and make 5 purchases. No monthly fees, competitive savings rates. Verified daily.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/thechampagnemile.com.au\/deals\/ubank-referral-code\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.1.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_AU\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"uBank Referral Code \u2013 Free $30 on New Accounts\" \/>\n\t\t<meta property=\"og:description\" content=\"Use a uBank referral code and score a free $30 bonus when you sign up and make 5 purchases. No monthly fees, competitive savings rates. 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No monthly fees, competitive savings rates. 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