No, we currently offer UBank term deposits to existing self managed super funds only.

If you are interested in establishing a self managed super fund for yourself we suggest you contact an accountant or solicitor or start by reviewing information on the ATO website

To ensure that your deposit remains safe and secure we need to verify your identity and some of the information you provide on your application. It's easy – we need you to simply send us the documents detailed below:

• Certified pages of the parts of your trust deed (for example, the schedule) that clearly display the name of the trust, who the trustees are, and who the members are.

Or

• A certified copy of a notice issued by the ATO that verifies the name of the fund and the trustee/s of the fund.

And for UBank Term Deposits

• A copy of a bank statement or a print out of an online transaction summary that shows the account name and number. We need this to verify the bank account that's linked to a UBank Term Deposit.

People qualified to certify true copies of original documents are known as 'Persons of Standing' in the community, and include:

• A person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described).
• A judge of a court.
• A magistrate.
• A chief executive officer of a Commonwealth court.
• A registrar or deputy registrar of a court.
• A Justice of the Peace.
• A notary public (for the purposes of the Statutory Declaration Regulations 1993).
• A police officer.
• An agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public.
• A permanent employee of the Australian Postal Corporation with 2 or more years of continuous service who is employed in an office supplying postal services to the public.
• An Australian consular officer or an Australian diplomatic officer (within the meaning of the Consular Fees Act 1955).
• An officer with 2 or more continuous years of service with one or more financial institutions (for the purposes of the Statutory Declaration Regulations 1993).
• A finance company officer with 2 or more continuous years of service with one or more finance companies (for the purposes of the Statutory Declaration Regulations 1993).
• An officer with, or authorised representative of, a holder of an Australian Financial Services Licence, having 2 or more continuous years of service with one or more licensees.
• A member of the Institute of Chartered Accountants in Australia, CPA Australia or the National Institute of Accountants with 2 or more years of continuous membership.

All parties on an account can access information about the term deposit.

We only accept applications where the account can be operated by either party independently. This is to enable full use of our online services. If you need to operate the account as 'both to sign' this account is not for you.

You're eligible for a UBank Term Deposit, if you can say yes to the three statements below:

1. I'm aged 18 years old or over (maximum two applicants).

   Or

   A trustee of a self managed super fund that complies with the SIS legislation. Where trustees are individuals, applications will only be accepted where there are two or less persons as trustees. Where the trustee is a company, applications will only be accepted where there are two or less directors only.
2. I have an Australian residential and postal address, and I am an Australian resident for taxation purposes.
3. I have an email address and mobile phone number (for joint accounts each applicant must have a different email address).

Have a look at current interest rates.

We'll calculate interest on your UBank Term Deposit on a daily basis from the day we receive your funds, and credit interest as follows:

• For UBank Term Deposits shorter than 12 months, we pay accrued interest at the maturity of that term.
• For a 12 month UBank Term Deposit, you can choose to have interest paid to your chosen bank account monthly or at maturity.
• For UBank Term Deposits greater than 12 months, you can choose to have interest paid to your chosen bank account monthly or annually and then at maturity.

No. It's a fixed rate. So the rate you sign up for is the rate you get for the whole term, no matter what's going on in the money markets.

Take your pick from fixed terms of 1, 3, 6, 9, or 12 months.

You must have at least $1,000 to open a UBank Term Deposit for SMSF. The maximum is $2 million per account.

As far as UBank Term Deposit for SMSF accounts go, there are no fees or charges payable.

After we receive your application, we guarantee the interest rate for 5 calendar days. So it's important to transfer your full deposit within that time as we don't want you to miss out. After this time the rate that will apply is that on the day your funds are received.

So to guarantee the interest rate you apply for, it pays to move fast on your deposit.

View UBank Terms & Conditions

Yes, call us anytime on 13 30 90 and we can send you one in the mail or alternatively you can Download a UBank information brochure (PDF, 684KB).

Sorry, no. While UBank is backed by NAB, it's not possible to share accounts between both banks.

You've got two options:

• Online at ubank.com.au
• Over the phone by calling 13 30 90 anytime

Unfortunately, no - but you can easily open an account:

• Online at ubank.com.au
• Over the phone by calling 13 30 90 anytime, 24/7

When you apply, we need you to tell us certain personal information about yourself and your self managed super fund. This includes, but isn't restricted to, the following:

• Details of the trustees and beneficiaries or your fund.
• Your driver's licence number (if applicable).
• An Australian phone number (either a landline or a mobile phone number)
• The details of the bank account you wish to link to your term deposit.
• Your Tax File Number or Exemption Code for tax purposes (we can always get this from you later, but if you do not provide your TFN or Exemption Code we are required by law to deduct withholding tax at the highest marginal rate).
• A secret question and answer (we will use these to identify you when you call).

Not if you're an existing UBank customer and provide us with your account number.

But if you're new to us, yes. We'll do this electronically by using public domain databases, but if this is not successful, we'll need you to provide us with some documents. We'll let you know after you've applied.

If you haven't met UBank's identity checks then certain limitations apply. Most importantly we can't send you any funds until you meet our identification requirements.

This includes your deposit and any interest you may have accrued.

This applies at any time, including during the term of your deposit, and at maturity.

That's the account that we transfer your money to once your account reaches maturity. You choose this account when you apply, and can change it if you need to.

For self managed super funds the account must be in the same name as the fund or trustee/s of the fund.

Yes, but we'll also need to verify the details of the new account. Call us anytime on 13 30 90 for details of how to verify your new account. Please tell us at least five days before maturity.

As many as you like. The minimum amount in each must be $1,000.

When considering a new account (savings account, Term Deposit for SMSF or other investment), it is important to consider how many days it will take to set up the account and to transfer your money. If your money has to sit in a non interest bearing transaction account for, say 5 days to wait for paperwork to clear, then this can have a dramatic effect on the effective interest rate you are getting.

When you're keen to see your money grow, the last thing you want is to wait around for paperwork to be processed. That's why we created UBank Turbo - so you can start earning interest on your money even sooner.

You can transfer you money immediately after application and start earning interest sooner.

In most cases your account will be set up immediately after you apply. You can then access your account via UBank Online at ubank.com.au

We'll also send you a letter once your account has been set up. But you can always check in with us anytime on 13 30 90.

When you're keen to see your money grow, the last thing you want is to wait around for paperwork to be processed. That's why we created UBank Turbo Deposits - so you can start earning interest on your money even sooner. You can transfer you money in four ways.

USaver - simply transfer funds from your UBank USaver account using the UBank BSB number (082991) and your term deposit number.

BPAY - lets you transfer funds electronically by using a simple BPAY biller code and a unique customer reference number. Use these to make your deposit, and start earning interest immediately, all with no hassles, no waiting and no paperwork.

You'll need to send your total funds in a single transfer. If your bank imposes a withdrawal limit - contact them directly to increase your daily limit.

Funds Transfer - simply transfer funds from any Australian bank account using the UBank BSB number (082991) and your term deposit number.

Your bank may have some restrictions on your linked account, so please check with them.

Cheque - simply write us a cheque made payable to UBank or the account holder(s) with your application. You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

After we receive your application, we guarantee the interest rate for 5 calendar days. So it's important to transfer your full deposit within that time as we don't want you to miss out. After this time the rate that will apply is that on the day your funds are received.

(Note that it's best to transfer the full amount in a single transaction).

Unfortunately, no - but you can do it easily by:

USaver - simply transfer funds from your UBank USaver account using the UBank BSB number (082991) and your term deposit number.

BPAY - lets you transfer funds electronically by using a simple BPAY biller code and a unique customer reference number. Use these to make your deposit, and start earning interest immediately, all with no hassles, no waiting and no paperwork.

You'll need to send your total funds in a single transfer. If your bank imposes a withdrawal limit - contact them directly to increase your daily limit.

Funds Transfer - simply transfer funds from any Australian bank account using the UBank BSB number (082991) and your term deposit number.

Your bank may have some restrictions on your linked account, so please check with them.

Cheque - simply write us a cheque made payable to UBank or the account holder(s) with your application. You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

After we receive your application, we guarantee the interest rate for 5 calendar days. So it's important to transfer your full deposit within that time as we don't want you to miss out. After this time the rate that will apply is that on the day your funds are received.

(Note that it's best to transfer the full amount in a single transaction).

Yes, when you open your account we'll give you a UBank BSB and account number. You can then transfer funds from an Australian bank to your UBank Term Deposit for SMSF account. Please check with your bank as restrictions may apply.

Sorry, not right now. Here's how you can deposit money into a UBank Term Deposit for SMSF:

USaver - simply transfer funds from your UBank USaver account using the UBank BSB number (082991) and your term deposit number.

BPAY - lets you transfer funds electronically by using a simple BPAY biller code and a unique customer reference number. Use these to make your deposit, and start earning interest immediately, all with no hassles, no waiting and no paperwork.

You'll need to send your total funds in a single transfer. If your bank imposes a withdrawal limit - contact them directly to increase your daily limit.

Funds Transfer - simply transfer funds from any Australian bank account using the UBank BSB number (082991) and your term deposit number.

Your bank may have some restrictions on your linked account, so please check with them.

Cheque - simply write us a cheque made payable to UBank or the account holder(s) with your application. You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

After we receive your application, we guarantee the interest rate for 5 calendar days. So it's important to transfer your full deposit within that time as we don't want you to miss out. After this time the rate that will apply is that on the day your funds are received.

(Note that it's best to transfer the full amount in a single transaction).

Sorry, not right now. Here's how you can deposit money into a UBank Term Deposit for SMSF:

USaver - simply transfer funds from your UBank USaver account using the UBank BSB number (082991) and your term deposit number.

BPAY - lets you transfer funds electronically by using a simple BPAY biller code and a unique customer reference number. Use these to make your deposit, and start earning interest immediately, all with no hassles, no waiting and no paperwork.

You'll need to send your total funds in a single transfer. If your bank imposes a withdrawal limit - contact them directly to increase your daily limit.

Funds Transfer - simply transfer funds from any Australian bank account using the UBank BSB number (082991) and your term deposit number.

Your bank may have some restrictions on your linked account, so please check with them.

Cheque - simply write us a cheque made payable to UBank or the account holder(s) with your application. You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

After we receive your application, we guarantee the interest rate for 5 calendar days. So it's important to transfer your full deposit within that time as we don't want you to miss out. After this time the rate that will apply is that on the day your funds are received.

(Note that it's best to transfer the full amount in a single transaction).

Yes, send it here please (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

Please be sure to:

• Make the cheque payable to UBank (no third party cheques please, your cheque needs to be in the same name as one of the applicants stated on the form).
• Write your name, address, date of birth and unique customer reference or account number on the back of the cheque.
• Attach the cheque to either a completed application form or a cheque deposit slip provided by us.
• Make sure that we receive your cheque within 5 calendar days from the date of your application (we guarantee the interest rate for this period).

Send it to us at the following address (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

Please be sure to:

• Make the cheque payable to UBank.
• Write your name, address, date of birth and unique customer reference or account number (if you have one) on the back of the cheque (we can't accept a third party cheque so your cheque needs to be in the same name as one of the applicants stated on the form).
• Attach the cheque to either a completed application form or a cheque deposit slip provided by us.
• Make sure that we receive your cheque within 5 calendar days from the date of your application (we guarantee the interest rate for this period).

Yes, when you open your account we'll give you a BPAY® biller code and unique customer reference number so you can transfer money e.g. via UBank Online into your UBank Term Deposit for SMSF. You'll need to send your total funds in a single transfer. If your bank imposes a withdrawal limit, contact them directly to increase it.

BPAY® payments to the UBank biller code (303735) made on NAB Internet Banking have a $2m maximum. For help using NAB Internet Banking, refer to the NAB website https://www.nab.com.au/Personal_Finance/0,,82850,00.html

Most banks will allow you to increase the daily withdrawal limit. Just give them a call to arrange this - most will do so on the spot. If you still experience difficulties give us a call anytime on 13 30 90 and speak to a real person.

Of course, you could always send us a personal or bank cheque.

Sorry, not right now. Here's how you can deposit money into a UBank Term Deposit for SMSF:

USaver - simply transfer funds from your UBank USaver account using the UBank BSB number (082991) and your term deposit number.

BPAY - lets you transfer funds electronically by using a simple BPAY biller code and a unique customer reference number. Use these to make your deposit, and start earning interest immediately, all with no hassles, no waiting and no paperwork.

You'll need to send your total funds in a single transfer. If your bank imposes a withdrawal limit - contact them directly to increase your daily limit.

Funds Transfer - simply transfer funds from any Australian bank account using the UBank BSB number (082991) and your term deposit number.

Your bank may have some restrictions on your linked account, so please check with them.

Cheque - simply write us a cheque made payable to UBank or the account holder(s) with your application. You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

After we receive your application, we guarantee the interest rate for 5 calendar days. So it's important to transfer your full deposit within that time as we don't want you to miss out. After this time the rate that will apply is that on the day your funds are received.

(Note that it's best to transfer the full amount in a single transaction).

We guarantee the interest rate on your Term Deposit for SMSF for 5 calendar days from receiving your application. After the 5 calendar days the interest rate that will apply to your Term Deposit for SMSF will be the applicable rate on the day we receive your money.

For a 1 month term, if you're ever unsure when your term's maturing, simply call us on 13 30 90 - anytime at all.

For all other terms, we'll let you know before your maturity. It's really important you tell us what you want to do before maturity, which you need to do no later than 5 days before your official end-date. If we don't hear from you, we'll roll your money over into a new Term Deposit for SMSF, at the current rate.

Alternatively, you can set up an SMS alert to remind you when your Term Deposit for SMSF is to mature. To do this simply login online and go to 'MyMoney'.

Re-invest (and add more to it if you like). If you choose to leave the money where it is, you may be eligible for our unique UBank Loyalty Bonus, which is 0.10% p.a. above the current rate on the maturity date.

Re-invest a reduced amount.

Take the money and run.

It's really important you tell us what you want to do before maturity, which you need to do no later than 5 days before your official end-date. If we don't hear from you, we'll roll your money over into a new Term Deposit for SMSF, at the current rate on the maturity date.

Call us on 13 30 90, no later than 5 days before maturity.

Once your term matures and you choose to rollover your full deposit (or more) we'll give you the unique UBank Loyalty Bonus - which is 0.10% p.a. above our already impressive Term Deposit for SMSF rate.

You can't add money during the term of your Term Deposit for SMSF. But once your account has reached maturity you can add additional funds to your UBank Term Deposit for SMSF (and you may be eligible to get our 0.10% p.a. unique UBank Loyalty Bonus for doing so).

Of course, you can always open a new UBank Term Deposit for SMSF account.

No. Your chosen bank account can only be set up with Australian financial institutions.

You can, but we may reduce the interest payable on your Term Deposit for SMSF by a reasonable estimate of the costs to us, known as a Pre-payment Cost.

If you withdraw an amount from your Term Deposit for SMSF prior to maturity, we may reduce the interest earned by what we consider to be a reasonable estimate of the costs to us. This cost, known as a Pre-payment Cost, may total (or be up to) the accrued interest amount, but will not exceed this amount.

We calculate the difference between the interest rate at the time of your initial deposit and interest rates at the time you want to withdraw your funds. If interest rates have increased since your deposit was lodged, the cost to UBank to replace those funds withdrawn will have increased.

Then we calculate the cost of replacing the funds withdrawn and deduct this from your accrued interest.

If you have a login email and password you can view your account balances online.

Otherwise call us anytime on 13 30 90 for details of your account.

Call us anytime on 13 30 90. We'll let you know what documentation we require from you as proof of your change of name.

Call anytime on +61 2 8756 0855.

You're eligible for a USaver, if you can say yes to all of the statements below:

• I'm aged 18 years old or over (maximum two applicants)
• trustee of a self managed super fund that complies with the SIS legislation. Where trustees are individuals, applications will only be accepted where there are two or less persons as trustees. Where the trustee is a company, applications will only be accepted where there are two or less directors only.

and

• I have an Australian residential and postal address, and I am an Australian resident for taxation purposes
• I have an email address and mobile phone number (for joint accounts each applicant must have a different email address).

Other than a trustee of a self managed super fund that complies with the SIS legislation, you can't open a UBank USaver SMSF in a company or business name (including sole traders) or in a trust capacity.

We only accept applications where the account can be operated by either party independently. This is to enable full use of our online services. If you need to operate the account as 'both to sign' this account is not for you.

View Ubank's USaver SMSF Terms & conditions.

You've got two options:

• Online at ubank.com.au
• Over the phone by calling 13 30 90 anytime

When you apply, we need you to tell us certain personal information about yourself and your self managed super fund. This includes, but isn't restricted to, the following:

• Details of the trustees and beneficiaries or your fund.
• Your driver's licence number (if applicable).
• An Australian phone number (either a landline or a mobile phone number).
• Your Tax File Number or Exemption Code for tax purposes (we can always get this from you later, but if you do not provide your TFN or Exemption Code we are required by law to deduct withholding tax at the highest marginal rate).
• A secret question and answer (we will use these to identify you when you call).

Unfortunately, no - but you can easily open an account:

• Online at ubank.com.au
• Over the phone by calling 13 30 90 anytime, 24/7

In most cases your account will be set up immediately after you apply. You can then access your account by logging in at ubank.com.au with the temporary password we send you upon receiving your application.

We'll also send you a letter once your account has been set up. But you can always check in with us anytime on 13 30 90.

Not if you're an existing UBank customer and provide us with your account number.

But if you're new to us, yes. We'll do this electronically by using public domain databases, but if this is not successful, we'll need you to provide us with some documents. We'll let you know after you've applied.

If you haven't met UBank's identity checks then certain limitations apply. Most importantly you won't be able to access your funds until you meet our identification requirements. This includes your deposit and any interest you may have accrued.

Have a look at current interest rates

We calculate interest on the daily closing credit balance of your UBank USaver SMSF, up to and including the last day of the month. Interest is credited to your account on the last business day of each month (or at account closure).

The interest rate applying to your UBank USaver SMSF is a variable rate and may change from time to time.

We will advertise the changes in a major newspaper or by post or email no later than the day the interest rate change takes affect.

ASP transactions will generally appear in your USaver SMSF account the following business day, but it can take an extra 1 or 2 business days for it to show up in your external account. This is because of the way USaver SMSF pulls funds from your external account (rather than the usual way of pushing funds from it).

When you initiate an ASP payment, the money will appear as "uncleared funds" both in your USaver SMSF Online Banking screen and customer balance chart. The funds will take 4 business days to clear and only then will you be able to transact with them.

There are two reasons:

• This is the time it takes to guarantee that the transaction can be honoured by the external account provider.
• It also protects you, as it provides 3 days notice to the owner of the external account that a withdrawal has been requested by the USaver SMSF account - allowing enough time for it to be stopped if it's a fraudulent request.

No. Some financial institutions may not allow direct debits on a range of accounts. Before setting up a direct debit, it's worth checking with your financial institution.

There is no minimum balance. The maximum amount is $2 million per customer. In the case of a USaver SMSF the customer is the fund. That means if you have 10 USaver accounts they all need to have a combined balance of $2 million or under.

One off or ad hoc transfers.

Funds Transfer - simply transfer funds from any Australian bank account. Your USaver SMSF BSB number is 082-991. You'll also need your account number to make the funds transfer, you can find this by logging into UBank. Both your BSB and account number are shown within the USaver SMSF Account summary.

If you do not have a record of your account number, don't worry, just give us a call on 13 30 90 and we'll provide this to you.

Cheque - simply write us a cheque made payable to UBank or the account holder(s). You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

Linked account transfer - this is the most convenient method if you plan to make multiple deposits from one of your own accounts. To set up and verify a linked account, simply log into UBank and select 'Manage my accounts'. From there, select 'Linked Accounts' from the 'Accounts' menu, and follow the prompts. Once you've provided your linked account details we'll send a micro-payment of $0.01 to your linked account with your Authentication Number in the transaction description. This will normally appear in your linked account within one business day.

Once you have the Authentication Number, please return to UBank, log in and select 'Linked Accounts' from the 'Accounts' menu. Then click on the 'Pending' link, enter the Authentication Number and hit 'enter'. Now, every time you'd like to make a linked account transfer, return to UBank and make your transfer. There's no limit to the number of linked accounts you can set up, and no limit to the amount you can transfer to a verified linked account.

There are several ways that you can pay money out of your account, including:

• Linked account transfer
• Pay anyone
• Transfer funds between your USaver SMSF accounts
• Pay another USaver account.

If there are accounts you make regular payments to, you should add them as a 'Payee' within a 'Payee Category'. To add a payee you must select or add the payee to a 'Payee category'. To add a Payee category select 'My Payees' from the 'Payments' menu.

Your payees are separated into categories, so you must first choose a name for the category. Here are a few examples to get you started: 'Friends and Family',' Colleagues' and 'My Accounts'. But you can call them whatever you like.

You'll then be able to 'Add Payee Details'. And then keep adding 'Payees' to the category as you see fit. By adding Payees you'll be able to transfer funds to accounts you frequently transfer money to. This way you won't have to enter in the payee details every time.

Yes, when you open your account we'll give you a UBank USaver SMSF BSB and account number. You can then transfer funds from any Australian bank to your USaver SMSF account. Please check with your bank as restrictions may apply.

Yes we can - you can take the hard work out of saving by setting up an Automatic Savings Plan (ASP). You can set up an amount to regularly contribute (every week or month etc - it's your choice). Then you can just sit back and watch your money grow, automatically.

To set up an ASP, you'll first need to link your USaver SMSF account with the account you'd like to draw funds from. To do this log in at ubank.com.au and select 'Manage my account', from there, select 'Linked accounts' from the 'Accounts' menu, and follow the prompts.

View UBank's Direct Debit Agreement here

Sorry, not right now. Here's how you can deposit money into your USaver SMSF.

Funds Transfer - take advantage of UBank Turbo by sending your deposit via Electronic Funds Transfer (EFT). Simply transfer funds from any Australian bank account using the UBank USaver SMSF BSB number (082991) and your account number.

Set up an Automatic Savings Plan (Direct Debit) - an Automatic Savings Plan (ASP) regularly draws a fixed amount of money from your linked bank account at a set time (every week or month etc - it's your choice).

To set up an ASP, you'll first need to link your USaver SMSF account with the account you'd like to draw funds from. To do this log in at ubank.com.au and select 'Manage my account', from the 'Accounts' menu, and follow the prompts.

Credit your Salary - choose to have your salary paid into your USaver SMSF and you'll attract higher interest than you would in an everyday transaction account, to manage your money. It means that all the time you're working hard, you know your salary is too! All you need to do is give your employer your USaver SMSF account name, BSB and account number, and they'll set this up for you.

Cheque - simply write us a cheque made payable to UBank or the account holder(s). You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

Yes, you can send it here please (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

Please be sure to:

• Make the cheque payable to UBank or the account holder(s).
• Write your name and account number on the back of the cheque. We can't accept a third party cheque so your cheque needs to be in the same name as the account holder(s).

Send it to us at the following address (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

Please be sure to:

• Make the cheque payable to UBank or the account holder(s).
• Write your name and account number on the back of the cheque. We can't accept a third party cheque so your cheque needs to be in the same name as the account holder(s).

Sorry, not right now. Here's how you can deposit money into your USaver SMSF.

Funds Transfer - take advantage of UBank Turbo by sending your deposit via Electronic Funds Transfer (EFT). Simply transfer funds from any Australian bank account using the UBank USaver SMSF BSB number (082991) and your account number.

Set up an Automatic Savings Plan (Direct Debit) - an Automatic Savings Plan (ASP) regularly draws a fixed amount of money from your linked bank account at a set time (every week or month etc - it's your choice).

To set up an ASP, you'll first need to link your USaver SMSF account with the account you'd like to draw funds from. To do this log in at ubank.com.au and select 'Manage my account', from the 'Accounts' menu, and follow the prompts.

The best part is, if you set up an ASP for $100 dollars (or more) each month we'll give you a big Saving Bonus of 0.10%p.a. on top of the current rate for balances up to $150,000. With an extra impressive rate like that, you'll see your money grow faster, and reach your goal even sooner.

Credit your Salary - choose to have your salary paid into your USaver SMSF and you'll attract higher interest than you would in an everyday transaction account, to manage your money. It means that all the time you're working hard, you know your salary is too! All you need to do is give your employer your USaver SMSF account name, BSB and account number, and they'll set this up for you.

Cheque - simply write us a cheque made payable to UBank or the account holder(s). You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

When considering a new account (savings account, term deposit or other investment), it is important to consider how many days it will take to set up the account and to transfer your money. If your money has to sit in a non interest bearing transaction account for, say 5 days to wait for paperwork to clear, then this can have a dramatic effect on the effective interest rate you are getting.

When you're keen to see your money grow, the last thing you want is to wait around for paperwork to be processed. That's why we created UBank Turbo - so you can start earning interest on your money even sooner.

You can transfer your money immediately after application and start earning interest sooner.

Most banks will allow you to increase the daily withdrawal limit. Just give them a call to arrange - most will do so on the spot. If you still experience difficulties give us a call anytime on 13 30 90 and speak to a real person.

Of course, you could always send us a personal or bank cheque.

Sorry, not right now. Here's how you can deposit money into your USaver SMSF.

Funds Transfer - take advantage of UBank Turbo by sending your deposit via Electronic Funds Transfer (EFT). Simply transfer funds from any Australian bank account using the UBank USaver SMSF BSB number (082991) and your account number.

Set up an Automatic Savings Plan (Direct Debit) - an Automatic Savings Plan (ASP) regularly draws a fixed amount of money from your linked bank account at a set time (every week or month etc - it's your choice).

To set up an ASP, you'll first need to link your USaver SMSF account with the account you'd like to draw funds from. To do this log in at ubank.com.au and select 'Manage my account', from the 'Accounts' menu, and follow the prompts.

Credit your Salary - choose to have your salary paid into your USaver SMSF and you'll attract higher interest than you would in an everyday transaction account, to manage your money. It means that all the time you're working hard, you know your salary is too! All you need to do is give your employer your USaver account name, BSB and account number, and they'll set this up for you.

Cheque - simply write us a cheque made payable to UBank or the account holder(s). You'll need to write your full name, address, date of birth and your account number on the reverse side of the cheque. Please note we can't accept a third party cheque for term deposits.

Send us your cheque to (no stamp required):

UBank Reply Paid
1466 North Sydney NSW 2059

You cannot deposit money into your USaver SMSF in cash, travellers cheques, international drafts, RTGS or by BPAY®. For current allowable deposit methods please refer to How do I deposit money into my USaver SMSF?

Yes, you can take the hard work out of saving by setting up an Automatic Savings Plan (ASP). You can set up an amount to regularly contribute (every week or month etc - it's your choice). Then you can just sit back and watch your money grow, automatically.

To set up an ASP, you'll first need to link your USaver SMSF account with the account you'd like to draw funds from. To do this log in at ubank.com.au and select 'Manage my account', from there, select 'Linked accounts' from the 'Accounts' menu, and follow the prompts.

To verify your linked account you'll need to log in at ubank.com.au and enter the Authentication Number. You'll find an Authentication Number (located within the asterisk) in your linked bank account transaction description field. And below, is a step-by-step explanation of how to add your linked account and complete your Automatic Savings Plan set up.

Next steps.

You've been sent a new micro-payment ($0.01) to your linked bank account. All you have to do now is:

• Retrieve the Authentication Number. This number is appended to the micro-payment we sent to your linked bank account.
• Log in at ubank.com.au
• Once you're logged in, select 'Linked Accounts' from the 'Accounts' menu. Then click on the 'Pending' link, enter the Authentication Number and hit 'enter'.
• Now all you need to do is click on the 'Add Savings Plan' button and set up your Automatic Savings Plan.

Yes, choose to have your salary paid into your USaver SMSF and you'll attract higher interest than you would in an everyday transaction account, to manage your money. It means that all the time you're working hard, you know your salary is too! All you need to do is give your employer your USaver SMSF account name, BSB and account number, and they'll set this up for you.

Yes, you can turn your one USaver SMSF account into several - one for each of your savings goals. It's easy, and you don't have to go through the application process again. Simply log into 'MyMoney' at ubank.com.au and select 'Open USaver SMSF Account' from the 'Account' menu.

A daily transfer limit per customer per business day applies to selected transactions performed in UBank Online Banking and Telephone Banking. These are:

The 'daily transfer limit' does not apply to:

• Funds Transfers between your accounts at UBank.
• Funds Transfers, performed by UBank Telephone Banking, to your nominated linked bank account held with another Australian financial institution (including NAB).

Provided you are transferring cleared funds:

• Transferring funds between your own USaver accounts generally occurs immediately.
• Transferring funds to USaver accounts not within your own profile (3rd party accounts) generally occurs immediately provided that you provide the Security Code that we send you by SMS.
• Transfers to accounts with other Australian financial institutions are generally processed overnight as long as you provide the Security Code that we send you by SMS. The transfer must generally be completed before the cut-off time of 4:00 pm Australian Eastern Standard Time. Funds should generally be available at the other institution the next business day (depending on the institution).

Should funds be sent after 4:00 pm Australian Eastern Standard Time the availability of these funds will be available at the other institution generally within the next 2 business days (depending on the institution).

Yes. You are only able to cancel future dated transfer, up until the day before the transfer is due (i.e. transfers not due for payment today).

Once a payment or transfer is made we are unable to stop that transaction.

Yes. You can modify funds transfers that have a status of periodic or future dated up until the day before the transfer is due (i.e. transfers not due for payment today).

Once a payment or transfer is made we are unable to stop that transaction.

Yes. You can create a regular transfer at anytime via UBank Online Banking.

Sorry, not right now. You can only transfer money to an Australian bank account.

UBank Online is available 24 hours a day, seven days a week.

You will need the following information to make a payment to another person(s) (or business) account at UBank or another financial institution in Australia:

• BSB number (this identifies the bank and outlet of the person you wish to pay and must be exactly six digits in length),
• account number of the person you wish to pay (this must be numeric), and
• account name of the person you wish to pay

Yes. UBank Online Banking allows 'Pay Anyone' access which enables you to transfer funds to any other UBank account(s) and any other Australian financial institution.

The default 'Pay Anyone' access daily limit is $20,000 per customer per business day. You can increase this limit by setting up a linked account and having the account verified or by calling us on 13 30 90.

You can set up a linked account by logging in at ubank.com.au and then select "Manage my accounts" from there, select 'Linked accounts' from the 'Accounts' menu, and follow the prompts.

Setting up a linked account can take up to 48 hours. Once your linked account has been set up, please call us on 13 30 90 to transfer funds.

The default 'Pay Anyone' access daily limit is $20,000 per customer per business day. You can increase this limit by setting up a linked account and having the account verified or by calling us on 13 30 90.

You can set up a linked account by logging in at ubank.com.au and then select "Manage my accounts" from there, select 'Linked accounts' from the 'Accounts' menu, and follow the prompts.

Setting up a linked account can take up to 48 hours. Once your linked account has been set up, please call us on 13 30 90 to transfer funds.

As far as UBank USaver SMSF accounts go, there are no fees or charges payable.

We will send you statements at least every six months - in January and July.

We'll send them by post, to the nominated mailing address of the fund. You can also view all your account transactions by logging into "MyMoney" at ubank.com.au

We'll send you a welcome email to your nominated email address within a day after you've applied.

Don't worry, if you do need a paper copy of welcome letter and the USaver SMSF Terms and Conditions, simply call us on 13 30 90 anytime and we'll be happy to send this to you in the post.

Don't worry, just give us a call and we'll ensure that your nominated email address is correct and re-send you your welcome email.

If you do need a paper copy of welcome letter and the USaver SMSF Terms and Conditions, simply call us on 13 30 90 anytime and we'll be happy to send this to you in the post.

You can view all your new USaver SMSF account details by logging in to online banking at ubank.com.au. Your account number is shown in the USaver SMSF Account summary.

View the USaver SMSF Terms & conditions. Or feel free to call us on 13 30 90 anytime and we'll happily send you a copy in the post.

Yes, we'll send you your USaver SMSF statement at least every six months from the date you opened your account.

We use a stock called Precision. It's Australian Made, PEFC (Programme for the Endorsement of Forest Certification) Certified, and ISO 14001 Environmental Accredited - which means the suppliers use renewable energy to produce the stock. Our envelopes and flyers are also produced from this stock.

It means the paper is sourced from suppliers who practise sustainable management of forests, in line with strict international standards.

Yes, it's 100% recyclable.

If you have a login email and password you can view your account balance online by selecting 'Manage my account' once you've logged in.

Otherwise call us anytime on 13 30 90 for details of your account.

Yes. You can view the credit interest details for your savings accounts by accessing the 'Account details' screen within 'Account info'. This can assist you when it comes to completing your tax return for the previous financial year.

All parties on a joint account can access information about the USaver SMSF.

Fill out a Detail Change form in 'MyMoney'. See the form for the documentation we require from you as proof of your change of name.

Call anytime on +61 2 8756 0855

You'll be eligible to earn bonus interest on your USaver SMSF account in months where you don't make any withdrawals. Transfers between your other USaver SMSF accounts don't count as withdrawals so you'll still qualify to earn the bonus interest.

You'll earn Bonus interest in the month in which you haven't made any withdrawals. So if no withdrawals are made on an account in June, interest is earned at the base rate plus Bonus Interest rate for the entire month of June.

Once we have identified you account is eligible we adjust the interest rate for that month to include the Bonus Interest rate and recalculate your interest for that month at the base rate plus Bonus Interest rate.

Effectively yes. Even though your account is not adjusted until the last business day of the month, interest is credited at the base rate plus Bonus Interest rate for the entire month.

The new rate will be applied from the day we implement the new rate. E.g. if the Bonus Interest rate changes from 0.50% to 0.55% on June 15th and your account qualifies for Bonus Interest in June – Your account will earn interest at the base rate plus 0.50% until June 15th and base rate plus 0.55% from June 16th to June 30th.

Yes! Any USaver SMSF account where you don't make any withdrawals in that month will qualify for Bonus Interest.

Not automatically no. We determine eligibility each month, so you must continue to meet the eligibility criteria to continue to earn interest at the Bonus Interest rate