Up Bank Referral Code 2026 - Score a $30 Bonus 🚀

Last modified: January 4th, 2026

Up Bank is an awesome digital bank that simplifies banking. Up Bank is a subsidiary of Bendigo and Adelaide Bank so your money is in safe hands.
Through the hook up a mate program, if you enter the invite code 'makeithappen' into Up when signing up you will get an instant bonus $30 :)

Here's how it works;

Install the Up Bank App
Begin by creating a new account and filling in your details
Enter the referral code 'makeithappen' into the hook up a mate section
Complete the application within 14 days and enjoy the bonus $30

You can find the full terms here https://up.com.au/hook_up_a_mate/

Why sign up with an Up Bank Referral Code

Signing up with an Up Bank referral code such as 'makeithappen' is a great way to kickstart your bank account with a $30 bonus. If you don't sign up with a referral code you won't get any bonus so there is no downside :)

Advantages and Limitations

What I like about Up Bank

Easy to use app
No international exchange fees
High interest rate on savings accounts
$30 referral bonus

Things to consider

No physical branches (All contact is done through the app)
There is no web app (only a IOS/Andriod app)

Does Up Bank offer a referral bonus in 2026?

Yes! Up Bank is still offering a fantastic referral bonus. You can get a bonus $30 (higher than the standard $10) if you sign up with the code 'makeithappen'. I endeavour to update this site if there are any changes. As of January 2026, this code is up to date and working.

What Is the Best Up Bank referral bonus?

You should be looking for the best Up Bank Referral offer and fortunately you have come to the right place! As an Up High member, my 'Hook Up a Mate' bonus is $5 higher than the standard $10 rate. So by using the code 'makeithappen', you unlock the highest possible bonus which is currently $30! :)

What are the specific terms and conditions?

Find the full and latest terms and conditions here: https://up.com.au/hook_up_a_mate/

Until the end of January 2026, Up Bank has just increased the standard $10 bonus to $30 so don't miss out. Have a Merry Christmas and a happy new year!