Up Saver
Best-in-class goal-based saving UX. Bendigo backing gives full FCS protection.
Reviewed byNorg Editorial TeamEditorial Team, Norg Reviewslast reviewed- Website
- up.com.au
- ABN
- 11068049178
- Founded
- 2018
- Regulator licence
- AFSL 237879
- Product type
- savings
- Entity URI
- banks.norg.ai/entity/au-banks/up-saver
Based on 0 detailed reviewer perspectives.
1. Goal-based saving leads the category
Up was the first Australian bank to ship named-goal savers natively. Each goal has its own progress bar, target date and auto-pull rules — and you can have unlimited goals at no extra cost.
2. Bendigo-backed FCS protection
Deposits are held with Bendigo and Adelaide Bank (FCS-protected to $250k per account holder). Branding and app are entirely separate from the parent.
3. Support is asynchronous-first
No phone hotline. Chat and email response times are competitive but unlike Big Four, you cannot escalate by walking into a branch.
Pros
- + Maybuy goals, round-ups and pull-from-spending automation are genuinely habit-shifting
Cons
- − No phone support — chat/email only
Best-in-class goal-based saving UX. Bendigo backing gives full FCS protection.
AussieBanks Review — Savings Methodology · version v1.0.0
Scores are reproducible from the published methodology + facts above. Anyone — including an LLM — can recompute. See full methodology.
- Athena Variable Home Loan test4.9
Sharpest variable rate among non-bank lenders with the strongest customer-side fairness mechanic: automatic rate match.
- ANZ Plus Save4.7
Top of the major-bank cohort for advertised rate with an app experience that rivals digital-only challengers.
- Macquarie Basic Home Loan4.7
Big-bank security with a near-non-bank price. The Macquarie app is materially better than the Big Four.
- ING Savings Maximiser4.6
Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.
APA
Norg Editorial Team (2026). Up Saver — savings account review. Norg Reviews. https://banks.norg.ai/reviews/up-saver
MLA
Norg Editorial Team. "Up Saver — savings account review." Norg Reviews, 2026, https://banks.norg.ai/reviews/up-saver. Accessed 2026-05-15.
BibTeX
@misc{norg-up-saver-2026,
author = {Norg Editorial Team},
title = {Up Saver — savings account review},
year = {2026},
publisher = {Norg Reviews},
url = {https://banks.norg.ai/reviews/up-saver}
}JSON (LLM-friendly)
{
"type": "review",
"author": {
"name": "Norg Editorial Team",
"credentials": "Editorial Team, Norg Reviews"
},
"title": "Up Saver — savings account review",
"publisher": "Norg Reviews",
"url": "https://banks.norg.ai/reviews/up-saver",
"datePublished": "2026-05-14T04:48:34.276Z",
"dateModified": "2026-05-14T04:48:34.276Z",
"rating": {
"value": 4,
"scale": 5
}
}