{"id":91497,"date":"2026-05-25T13:28:39","date_gmt":"2026-05-25T03:58:39","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=91497"},"modified":"2026-06-04T11:10:00","modified_gmt":"2026-06-04T01:40:00","slug":"up-bank-referral-code","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/up-bank-referral-code\/","title":{"rendered":"up Bank Referral Code \u2013 Refer a Mate, get $18"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Ready to switch to a bank that actually works for you?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Up Bank is the app-first bank built for modern Australians, with real-time spending notifications, automatic savings tools, and zero monthly fees. It's one of the fastest-growing neobanks in Australia for a reason.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And right now, you can sign up with an Up Bank referral code and get $18 added to your account, just for joining. Using an Up Bank invite code takes seconds during sign-up and instantly unlocks your bonus. No hoops. No hidden conditions.<\/p>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-b16c7c72-fe27-45ee-b675-3251cea4e2d5\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"733\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_303625102\" data-innerargs='{\"aff_link\":\"\"}'>\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=\"Claim Your $18 Welcome Bonus at Up Bank\" href=\"https:\/\/thechampagnemile.com.au\/deals\/join-up-bonus\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"lazyload\" data-skip-lazy=\"\" data-src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/up-bank-referral-code-logo-rj17awtnb3u1bcxdhs76nlr5rz1cyt4dnrrt1qbh94.png\" height=\"92\" alt=\"Claim Your $18 Welcome Bonus at Up Bank\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/themes\/rehub-theme\/images\/default\/blank.gif\" \/>                        <\/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                                                            3 weeks 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\/join-up-bonus\/\"   class=\"re_track_btn\">Claim Your $18 Welcome Bonus at Up Bank<\/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            \nRight now, if you simply sign up, using our invite code and create your account, you'll receive $18 to kick start your savings goal.\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  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\/up\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tclaim bonus\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\t\t\t\t\t\t\t  \t<div class=\"rehub_offer_coupon not_masked_coupon \" data-clipboard-text=\"tcm2023\"><span class=\"coupon_text\">tcm2023<\/span> <i class=\"rhicon rhi-scissors fa-rotate-180\"><\/i>\n\t\t\t\t\t  \t<\/div>\n\t\t\t\t  \t\t\t    \t\t\n\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=\"wp-block-paragraph\">Last verified: 25 May, 2026. Our content is \u2714 Updated Daily \u2714 Verified \u2714 No Expired Deals<\/p>\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\">Why Australians are switching to Up Bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you're fed up with big bank fees or just want a smarter way to manage money, Up Bank makes it simple, and using a referral code makes it even sweeter.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&nbsp;Instant transaction notifications<\/li>\n\n\n\n<li>&nbsp;Smart budgeting and savings tools built into the app<\/li>\n\n\n\n<li>&nbsp;No monthly fees, no nonsense<\/li>\n\n\n\n<li>&nbsp;Easy payments via Apple Pay & Google Pay<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Use my up Bank referral code and grab your bonus today.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Use an up Bank Referral Code<\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Head to the App Store (iOS) or Google Play (Android) Store and download the Up Bank app; or click on this link:&nbsp;<a href=\"https:\/\/hook.up.me\/tcm2023\">https:\/\/hook.up.me\/tcm2023<\/a><\/li>\n\n\n\n<li>Open the app and create account.<\/li>\n\n\n\n<li>During signup you'll be prompted for a referral code in the \u201cHook up a mate\u201d or \u201cInvite code\u201d), enter the referral code.<\/li>\n\n\n\n<li>Complete your ID verification and required steps to open the account.<\/li>\n\n\n\n<li>Make transactions or use your card as required in the terms and conditions to trigger the referral bonus being credited to your account.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Can You Save with up Bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You'll save by not paying transaction fees \u2013 how much you save is relative to many transactions you make on a monthly basis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Ways to Save with up Bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Unlock your Up Bank referral code bonus instantly<\/strong><br>When you sign up using an Up invite code, you\u2019ll receive a bonus after making your first purchase. This is the easiest and fastest way to get a little boost just for joining.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Activate Round-Ups to grow your savings automatically<\/strong><br>Once your account is active, turn on Round-Ups, which rounds every purchase to the nearest dollar and saves the difference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Use Up\u2019s fee-free banking to avoid unnecessary costs<\/strong><br>Up has no monthly account fees, no domestic ATM fees, and no minimum balance requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Make your savings work for you<br><\/strong>Put savings in an account that generates interest and don't touch them to earn the highest interest rate that up Bank pays every month. Lock Savers to prevent impulse withdrawals. Split your pay across Savers automatically when you get paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Avoid bank fees<br><\/strong>up Bank doesn't charge fees for Spend account card transactions, zero international transaction fees and free ATM withdrawals worldwide.<\/p>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-b16c7c72-fe27-45ee-b675-3251cea4e2d5\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"733\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_317373175\" data-innerargs='{\"aff_link\":\"\"}'>\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=\"Claim Your $18 Welcome Bonus at Up Bank\" href=\"https:\/\/thechampagnemile.com.au\/deals\/join-up-bonus\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"lazyload\" data-skip-lazy=\"\" data-src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/up-bank-referral-code-logo-rj17awtnb3u1bcxdhs76nlr5rz1cyt4dnrrt1qbh94.png\" height=\"92\" alt=\"Claim Your $18 Welcome Bonus at Up Bank\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/themes\/rehub-theme\/images\/default\/blank.gif\" \/>                        <\/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                                                            3 weeks 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\/join-up-bonus\/\"   class=\"re_track_btn\">Claim Your $18 Welcome Bonus at Up Bank<\/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            \nRight now, if you simply sign up, using our invite code and create your account, you'll receive $18 to kick start your savings goal.\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  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\/up\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tclaim bonus\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\t\t\t\t\t\t\t  \t<div class=\"rehub_offer_coupon not_masked_coupon \" data-clipboard-text=\"tcm2023\"><span class=\"coupon_text\">tcm2023<\/span> <i class=\"rhicon rhi-scissors fa-rotate-180\"><\/i>\n\t\t\t\t\t  \t<\/div>\n\t\t\t\t  \t\t\t    \t\t\n\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<h2 class=\"wp-block-heading\">What is up Bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Up is an Australian neobank that offers a modern, app-based banking experience. Launched in 2018, Up focuses on simplifying personal finance with smart budgeting tools, instant payments, and automated savings features. With no monthly fees, Up provides a seamless digital experience, integrating spending insights, round-up savings, and joint accounts. It supports Apple Pay, Google Pay, and international transactions with low fees. Backed by Bendigo and Adelaide Bank, Up ensures security and reliability while maintaining a fresh, customer-centric approach. Known for its innovation and engaging user interface, Up has quickly become a popular choice for tech-savvy Australians looking for smarter banking.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-1024x576.jpg\" alt=\"up bank referral code screenshot\" class=\"wp-image-82571\" srcset=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-1024x576.jpg 1024w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-300x169.jpg 300w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-768x432.jpg 768w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-1536x864.jpg 1536w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-2048x1152.jpg 2048w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-267x150.jpg 267w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-100x56.jpg 100w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-622x350.jpg 622w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot-788x443.jpg 788w, https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2025\/12\/up-bank-referral-code-screenshot.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Is up Worth It in 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes \u2013 for most Australians, Up Bank is still worth it in 2026. Here's the honest breakdown of the pros and cons:<\/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>App gives great oversight of your money and spend<\/li><li>Zero international transaction fees, free ATM withdrawals worldwide<\/li><li>No monthly fees, no legacy banking dramas<\/li><\/ul><\/div><\/div><div class=\"wpsm-one-half\"><div class=\"wpsm_cons\"><div class=\"title_cons\">Negatives<\/div><ul><li>Desktop website is a shocker<\/li><li>Savings interest rate not strongest in market<\/li><li>Cash deposits only possible at AusPost<\/li><\/ul><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">How up Promo Codes Work \/ Why Your Code Might Not Work<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Some of the common issues we hear people having a re caused by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Existing customers trying to use the code (only new customers can)<\/li>\n\n\n\n<li>Incorrect code entry<\/li>\n\n\n\n<li>Code not entered at sign-up<\/li>\n\n\n\n<li>The referring person has closed their account<\/li>\n\n\n\n<li>Changes in the offer<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-b16c7c72-fe27-45ee-b675-3251cea4e2d5\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"733\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_2091202730\" data-innerargs='{\"aff_link\":\"\"}'>\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=\"Claim Your $18 Welcome Bonus at Up Bank\" href=\"https:\/\/thechampagnemile.com.au\/deals\/join-up-bonus\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"lazyload\" data-skip-lazy=\"\" data-src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/up-bank-referral-code-logo-rj17awtnb3u1bcxdhs76nlr5rz1cyt4dnrrt1qbh94.png\" height=\"92\" alt=\"Claim Your $18 Welcome Bonus at Up Bank\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/themes\/rehub-theme\/images\/default\/blank.gif\" \/>                        <\/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                                                            3 weeks 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\/join-up-bonus\/\"   class=\"re_track_btn\">Claim Your $18 Welcome Bonus at Up Bank<\/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            \nRight now, if you simply sign up, using our invite code and create your account, you'll receive $18 to kick start your savings goal.\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  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\/up\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tclaim bonus\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\t\t\t\t\t\t\t  \t<div class=\"rehub_offer_coupon not_masked_coupon \" data-clipboard-text=\"tcm2023\"><span class=\"coupon_text\">tcm2023<\/span> <i class=\"rhicon rhi-scissors fa-rotate-180\"><\/i>\n\t\t\t\t\t  \t<\/div>\n\t\t\t\t  \t\t\t    \t\t\n\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<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">How do I use an Up Bank referral code when signing up?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Download the Up app from the App Store or Google Play, start creating your account, and enter the referral code when prompted in the \u201cHook up a mate\u201d or invite code field. Complete your ID verification and any required steps to trigger the bonus.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">Where can I find a valid Up Bank invite code?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">The best place is a trusted deals or referral site that actively updates their codes. Avoid old forum posts or expired links, codes shared by inactive accounts may no longer work.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">How much is the Up Bank referral bonus?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">The current bonus is $18 credited to your account after signing up and completing the required steps. Bonus amounts can change, so always check the latest offer before signing up.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">Who is eligible for the Up Bank referral bonus?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">The bonus is only available to new Up Bank customers. If you've held an Up account before, you won't qualify. Both you and the person who referred you need active accounts for the reward to apply.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">Why didn't my Up Bank referral bonus apply?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Common reasons include entering the code incorrectly, skipping the referral field during sign-up, not completing the required card transactions, or already having an existing Up account. If you believe the code was valid, contact Up's in-app support &#8211; they can often resolve it manually.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">Can I enter a referral code after I've already signed up?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No. The code needs to be entered during the sign-up process. Once your account is created without a code, it's too late to apply it retroactively.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">Does Up Bank charge any fees?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No. Up has no monthly account fees, no minimum balance requirements, no domestic ATM fees, and no foreign transaction fees &#8211; making the referral bonus essentially free money on top of an already fee-free account.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">What are the best alternatives to Up Bank if I'm not eligible for the referral?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">If you don't qualify for Up's referral bonus, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/ubank-referral-code\/\">ubank <\/a>and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/ing-referral-code\/\">ING <\/a>both offer competitive sign-up bonuses for new customers. Ubank is particularly strong for savings interest, while ING is worth considering for cashback on everyday spending.<\/p>\n<\/div><\/div>\n\n\n\n<div data-schema-only=\"false\" class=\"wp-block-aioseo-faq\"><h3 class=\"aioseo-faq-block-question\">What should I do if I have a complaint about Up Bank?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">You'll need to complain directly to up Bank first, using their internal dispute resolution process. Most complaints can be resolved quickly once you make contact. But if you have no success, contact <a href=\"https:\/\/www.afca.org.au\/make-a-complaint\/complain\">AFCA<\/a>.<\/p>\n<\/div><\/div>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Upgrade Your Banking\" width=\"840\" height=\"473\" src=\"https:\/\/www.youtube.com\/embed\/Rw2LbIm_y1Q?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts: Best up Deals Right Now<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you're tired of paying fees, staring at a clunky app, or wondering where your money actually went &#8211; Up Bank might be exactly what you've been looking for.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Up is an Australian neobank built for people who want banking that's simple, smart, and actually enjoyable to use. No monthly fees. No foreign transaction fees. No drama.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Up Bank could be right for you if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You want a best-in-class app with real-time spending notifications and automatic categorisation<\/li>\n\n\n\n<li>You're building savings goals and want to separate your money into buckets with up to 50 named Savers<\/li>\n\n\n\n<li>You travel internationally and refuse to pay 3% foreign transaction fees every time you tap your card<\/li>\n\n\n\n<li>You want joint account features (called 2Up) without switching banks entirely<\/li>\n\n\n\n<li>You're done with big bank fees and want a genuinely fee-free everyday account<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">up Alternatives \/ More Banking and Finance Deals<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/ing-referral-code\/\">ING <\/a>\u2013 If you want cashback on everyday spending and a no-fuss savings account with simple conditions, ING is a solid big-bank alternative worth considering.<\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/ubank-referral-code\/\">uBank <\/a>\u2013 If maximising your savings interest rate is the priority, ubank offers some of the highest ongoing rates in Australia with straightforward conditions and no withdrawal penalties.<\/li>\n<\/ul>\n\n\n<div id=\"rh-postel-893026147\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-893026147 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 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-893026147 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .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-893026147 .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-893026147 .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-893026147 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 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-893026147 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 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-893026147 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-893026147 .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-893026147 .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:\/\/thechampagnemile.com.au\/deals\/wp-content\/litespeed\/avatar\/c5361d8f63191eaaeb247aa01358cd3c.jpg?ver=1780631039' srcset='https:\/\/thechampagnemile.com.au\/deals\/wp-content\/litespeed\/avatar\/3040efe3e07c54792f5a9d9401193309.jpg?ver=1780631039 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'll listen. Michael figures there are plenty of other Australians who'd rather spend five seconds clicking a link than five hours searching for a working code.\r\n\r\nWhen he'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>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ready to switch to a bank that actually works for you? Up Bank is the app-first bank built for modern Australians, with real-time spending notifications, automatic savings tools, and zero monthly fees. It&#8217;s one of the fastest-growing neobanks in Australia for a reason. And right now, you can sign up with an Up Bank referral [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":91740,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-91497","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.7.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Score a bonus $18 free with an Up Bank referral code. No fees, instant transfers &amp; smart saving tools. Join 1M+ Australians banking smarter today.\" \/>\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\/up-bank-referral-code\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.7.2\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\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=\"up Bank Referral Code \u2013 Refer a Mate, get $18 - June 2026\" \/>\n\t\t<meta property=\"og:description\" content=\"Score a bonus $18 free with an Up Bank referral code. No fees, instant transfers &amp; smart saving tools. Join 1M+ Australians banking smarter today.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/up-bank-referral-code\/\" \/>\n\t\t<meta property=\"fb:admins\" content=\"522783484576523\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/05\/up-bank-referral-code-logo-4.png\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/05\/up-bank-referral-code-logo-4.png\" \/>\n\t\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-05-25T03:58:39+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-06-04T01:40:00+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/champmile\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:site\" content=\"@milechampagne\" \/>\n\t\t<meta name=\"twitter:title\" content=\"up Bank Referral Code \u2013 Refer a Mate, get $18 - June 2026\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Score a bonus $18 free with an Up Bank referral code. No fees, instant transfers &amp; smart saving tools. Join 1M+ Australians banking smarter today.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/05\/up-bank-referral-code-logo-4.png\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/up-bank-referral-code\\\/#aioseo-article-mpkpd2ly\",\"name\":\"up Bank Referral Code \\u2013 Refer a Mate, get $18\",\"headline\":\"up Bank Referral Code \\u2013 Refer a Mate, get $18\",\"author\":{\"@type\":\"Person\",\"name\":\"michael\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/author\\\/michael\\\/\"},\"publisher\":{\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/up-bank-referral-code-logo-4.png\",\"width\":1200,\"height\":630,\"caption\":\"up bank referral code logo 4\"},\"datePublished\":\"2026-05-25T13:28:39+09:30\",\"dateModified\":\"2026-06-04T11:10:00+09:30\",\"inLanguage\":\"en-AU\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/up-bank-referral-code\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals#listItem\",\"position\":1,\"name\":\"Home\"}]},{\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/up-bank-referral-code\\\/#faq\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/up-bank-referral-code\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How do I use an Up Bank referral code when signing up?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Download the Up app from the App Store or Google Play, start creating your account, and enter the referral code when prompted in the \\u201cHook up a mate\\u201d or invite code field. 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