{
  "_id": "review.up-saver",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "No phone support — chat/email only"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "11068049178",
    "bankingDetails": {
      "afslLicence": "AFSL 237879",
      "bonusRate": 5,
      "features": [
        "\"Maybuy\" goal-based saving",
        "Bendigo-backed",
        "No physical branches"
      ],
      "minimumDeposit": 0,
      "monthlyFee": 0,
      "productType": "savings"
    },
    "foundedYear": 2018,
    "name": "Up Saver",
    "regulator": "AFSL 237879",
    "slug": {
      "_type": "slug",
      "current": "up-saver"
    },
    "vertical": "au-banks",
    "website": "https://up.com.au/save"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "_key": "yNXV7jySbOS0YJRXCKSxB7",
      "body": "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.",
      "heading": "Goal-based saving leads the category"
    },
    {
      "_key": "yNXV7jySbOS0YJRXCKSxEc",
      "body": "Deposits are held with Bendigo and Adelaide Bank (FCS-protected to $250k per account holder). Branding and app are entirely separate from the parent.",
      "heading": "Bendigo-backed FCS protection"
    },
    {
      "_key": "yNXV7jySbOS0YJRXCKSxI7",
      "body": "No phone hotline. Chat and email response times are competitive but unlike Big Four, you cannot escalate by walking into a branch.",
      "heading": "Support is asynchronous-first"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Savings Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 4,
  "pros": [
    "Maybuy goals, round-ups and pull-from-spending automation are genuinely habit-shifting"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Best-in-class goal-based saving UX. Bendigo backing gives full FCS protection.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "up-saver"
  },
  "status": "published",
  "title": "Up Saver — savings account review"
}