Personal banking
Everyday banking that gets out of your way
A free account with instant payments, a virtual card in seconds and smart pots that quietly grow your savings. All in one calm, simple app.
Everything included
One free account. Everything you need.
No monthly fee, no minimum balance and no small print surprises.
Instant payments
Send money to friends and family in seconds, 24 hours a day, with no fees between customers.
Virtual card in seconds
Add it to your phone wallet straight away and order a physical card whenever you like.
Smart savings pots
Set goals, round up every purchase and watch your pots fill without thinking about it.
Fee-free abroad
Spend in any currency at fair exchange rates with no foreign transaction fees.
Spending insights
See where your money goes with automatic categories and clear monthly summaries.
Real-time alerts
Every payment pings your phone, so you always know what is happening with your money.
Control
Your money, under your control
Freeze your card, set spending limits, hide balances and approve payments from your phone. You decide how your account works.
- Freeze and unfreeze in one tap
- Daily, weekly and per-payment limits
- Biometric login and two-step verification
- Block categories like online or ATM
Accounts
An account for every stage
From your first card to shared bills and premium cover. Switch whenever your life does.
Personal account
Our signature everyday current account that fits your finances.
Residents of supported countries. Terms apply.Joint account
A shared bank account that helps you manage joint costs.
You'll both need a personal account. Aged 18+. Terms apply.Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.
Ages 6-15. A parent or guardian account is needed first. Terms apply.Extra
$3 a monthUnlock more money tools, see your other banks and cards in one place, and create custom spending categories.
Age 18+. Terms apply.Perks
$9 a monthEnjoy the best of us with a boosted savings rate and added benefits like travel discounts and a monthly coffee treat.
Age 18+. Terms apply.Max
From $19 a monthProtect the things that matter with worldwide travel and phone insurance, breakdown cover, and more.
Ages 18-69. 3-month minimum term. Terms apply.Getting started
Open your account in four steps
Download the app
Get it on your phone and tap Open account.
Tell us about you
A few quick details and a selfie to confirm it is you.
Add money
Top up by transfer, card or direct deposit.
Start spending
Use your virtual card straight away.
Yes. There is no monthly fee and no minimum balance. Paid plans only add extras you can choose to unlock.
Most people finish in a couple of minutes. Your virtual card is ready as soon as you are verified.
Absolutely. Share your account details with your employer and your salary lands in your account like any other bank.
Your funds are safeguarded and your account is protected with biometrics and two-step verification. Deposit protection follows the rules that apply in your region.
Open your account today
It takes about two minutes. No paperwork and no branch visits.