Up Referral Code
A bonus that grows the longer you have banked with Up
Up's referral bonus starts at $15 and rises by $1 for every year you have been a customer, to a maximum of $25. Your mate always gets the same as you.
Genie Says
Up is currently offering a bonus that grows the longer you have banked with Up.
How much can you earn?
Share your own code and earn rewards when friends use it
From $15, rising $1 per year as an Up customer, to a maximum of $25per successful referral*
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How to Use an Up Referral Code
Make a purchase on your Up card
One purchase unlocks the Hook Up a Mate screen in the app.
Send an invite from the app
Share the invite link with someone who is new to Up.
They sign up within 14 days
The invite lapses after that.
They pass the identity check
Standard KYC on account opening.
Both bonuses land immediately
The cash is deposited into the new Up Everyday account as soon as the account is open.
Reward Details
- Your Reward
- The same amount as the referrer's current bonus, paid into the new Up Everyday account
- Referrer Reward
- From $15, rising $1 per year as an Up customer, to a maximum of $25
- Validity
- The invite must be taken up within 14 days
- Available In
- Australia
- Payout Time
- Paid on account opening, once identity checks clear
- Eligibility
- Referrer must have made at least one purchase on their Up card; the person invited must be new to Up
Why Choose Up?
It starts at $15 and adds $1 for each year you have banked with Up, capped at $25. Quoted figures differ because people are quoting their own.
The new member always receives the same amount as the referrer's current bonus, so an older account's invite is worth more to them.
At least one purchase on your Up card unlocks the Hook Up a Mate screen in the app.
The invite has to be taken up within 14 days, and the new member has to pass the standard identity check.
About Up
Up's referral bonus is not a flat number. It starts at $15 and increases by $1 for each year you have been a customer, up to $25 — and whatever yours is worth, your mate receives the same.
Up is an Australian digital bank. Its referral programme is called Hook Up a Mate, and its structure is genuinely unusual: the bonus scales with loyalty.
It starts at $15 and rises by $1 for every year the referrer has been an Up customer, to a ceiling of $25. The mate being referred always receives the same amount as the referrer's current bonus, so a long-standing customer's invitation is worth more to the person accepting it than a new customer's is. That is the opposite of how most referral programmes work, and it is the reason figures quoted for Up vary so widely — different people are quoting their own bonus.
Two gates sit around it. You cannot invite anyone until you have made at least one purchase on your Up card, which unlocks the Hook Up a Mate screen in the app. And your mate has to sign up within 14 days of receiving the invite and pass the standard identity check.
When it does pay, it pays fast: as soon as the digital sign-up is finished, KYC clears and the account is open, the cash lands straight into the new Up Everyday account.
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Frequently Asked Questions
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