Up Saver (Flow) Summary
Description
Up Savers are free to use and pay up to 5.60% p.a. interest per month. Create up to 50 Savers that include features to support money management, like Pay Splitting and scheduled transfers.
Benefits
- No monthly savings-account fee.
- No upper balance cap in the reviewed ongoing pricing.
Hoops
- Applicants must be at least 16.
- For bonus interest, make at least 5 qualifying purchases each month. Check the full requirements below.
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Details
Key details
| Product name | Up Saver (Flow) |
|---|---|
| Maximum variable rate | 5.60% p.a. (Ongoing, Up Saver (2Up Grow)) |
| Ongoing interest rate | 2.00% p.a. |
| Base interest rate | 0.00% p.a. |
| Minimum age | 16 years |
Source: noren.com.au
All comparison details
| Base | 0.00% |
|---|---|
| Ongoing | 2.00% |
| Ongoing cap | No cap |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 5 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | 16 |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 0.00% p.a., before bonus interest.
- Ongoing: 2.00% p.a. when bonus conditions are met. No upper cap.
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.00% | Whole balance | All balances |
| Ongoing total, conditions met | 2.00% | Whole balance | All balances |
Source: noren.com.au
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Requirements
- Make at least 5 successful qualifying debit-card purchases in the current calendar month (Victoria time). ATM transactions and transfers do not qualify.
- Flow applies to a qualifying Saver withdrawn or spent from during the month, no numeric withdrawal-count maximum is imposed for this rate.
- Provider fee review 29 October 2026: this savings account has no monthly account-keeping fee. This does not waive transaction, statement, special-service or separately linked-account charges, their published conditions still apply.
- Qualification timing: Requirements are assessed in the current month. Check the settlement deadlines and exclusions in the requirements.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with Up.
- Age 16 or over.
- Personal use only, hold an Up Everyday account and access the accounts through the Up app.
- Interest must be enabled. A Saver being treated as a home-loan offset does not earn interest.
- Personal qualification counts your own personal and 2Up purchases.
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Sources & review
Noren aggregates information from multiple primary sources to ensure you're getting the most up-to-date, accurate information. All product information is peer reviewed.
Collected and verified on 31 Oct 2026.