Shared by ReferralMate owner
Get bonus $15
Verified by ReferralMate - 22 July 2026
Recently confirmed
Up Bank referral codes
- Category
- Banking
- Last verified
- 22/07/2026
Compare current Up Bank referral offers in Australia, including available rewards, eligibility rules and claim steps before signing up.
Approved referral codes
Shared by NYCKS
💰 Get $20 when you successfully sign up. Then invite your friends and you both get $15 up to $25 per friend (Amount increases $1 per year) 🚀🚀🚀
nycks
Verified by ReferralMate - 29 June 2026
Recently confirmed
Offer details
How the referral works
Up calls their referral program "Hook Up a Mate." Once you've made at least one purchase on your Up card, you'll unlock the ability to send invites from the Hook Up a Mate screen in the app. Share your invite link with someone new to Up — they sign up within 14 days and pass ID verification, and you both get paid.
Reward summary
Both the referrer and new member receive a cash bonus starting at $15, with the referrer's bonus increasing by $1 for every year they've been an Up customer, up to a maximum of $25. The new member always receives the same amount as the referrer's current bonus.
Terms summary
Invites expire after 14 days if the new user hasn't completed sign-up and ID verification. The new user must sign up using the same phone number the invite was sent to. Bonus funds can't be sent via payment until the account is funded. Up reserves the right to cancel the bonus if referrals appear abusive, fraudulent, or in breach of their conditions.
How the referral works
Up calls their referral program "Hook Up a Mate." Once you've made at least one purchase on your Up card, you'll unlock the ability to send invites from the Hook Up a Mate screen in the app. Share your invite link with someone new to Up — they sign up within 14 days and pass ID verification, and you both get paid.
Reward summary
Both the referrer and new member receive a cash bonus starting at $15, with the referrer's bonus increasing by $1 for every year they've been an Up customer, up to a maximum of $25. The new member always receives the same amount as the referrer's current bonus.
Terms summary
Invites expire after 14 days if the new user hasn't completed sign-up and ID verification. The new user must sign up using the same phone number the invite was sent to. Bonus funds can't be sent via payment until the account is funded. Up reserves the right to cancel the bonus if referrals appear abusive, fraudulent, or in breach of their conditions.
Bank referral offers can change. Confirm the latest terms in the Up app before signing up.
Official referral termsUp Bank referral code FAQ
Unlike traditional Australian banks that make you wait weeks, the Up Bank referral bonus (the "Hook Up" reward) is paid instantly. As soon as you complete the digital sign-up process, pass the standard identity check (KYC), and your account is officially opened, the cash bonus is deposited directly into your new Up Everyday account. You will receive a real-time push notification on your phone the second it hits.
No, there is absolutely no minimum deposit or spending requirement to trigger the Up Bank referral bonus. Some other financial apps require you to make a certain number of card purchases or deposit $1,000+ within the first month to unlock your reward, but Up Bank does not. The cash bonus is entirely free to use, save, or withdraw immediately after your account is verified.
Unfortunately, no. The Up Bank "Hook Up a Mate" promotion is strictly limited to brand-new customers who have never held an Up account before. If you previously opened an account and closed it, or if your phone number is already registered in Up's system, you will not be eligible to receive the sign-up cash.
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