:u Ubank Referral Code Join Ubank →
Code active · updated June 2026

Ubank referral code: AUSCZPY

Join Ubank with this invite code and you'll both get $30 once you make 5 eligible card purchases in your first 30 days.

Get the Ubank app & join →

18+ only. Eligibility and offer terms apply — see offer details.

How it works

Get your $30 Ubank bonus in 3 steps

It takes minutes to sign up. Use code AUSCZPY and you're on your way to a $30 bonus paid into your Spend account.

Sign up with the code

Download the Ubank app, start signing up, and enter invite code AUSCZPY on the “About you” screen.

Add money & spend

Transfer some money from any Australian bank account, then make 5 eligible card purchases within 30 days.

Get rewarded

You'll each score $30 — paid into your Spend account, usually within a couple of days.

The details

Where to enter the code & what counts

Where do I enter code AUSCZPY?

Once you've downloaded the Ubank app and started signing up, tick the “I have an invite code (optional)” box on the “About you” screen and type in:

AUSCZPY

Already signed up without it? Unfortunately the code must be entered during sign-up — it can't be added afterwards.

What's an eligible card purchase?

Make 5 purchases within 30 days of signing up using any of these:

Apple Pay Google Pay Samsung Pay Garmin Pay Ubank Visa Debit

Who can join?

  • 16+ and an Australian citizen, NZ citizen or Australian permanent resident
  • Have an Australian residential address
  • Must be 18 or over to take part in the referral offer

FAQs

Ubank referral code questions

What is the Ubank referral code?
The Ubank referral code is AUSCZPY. Enter it on the “About you” screen when you sign up in the Ubank app to qualify for the $30 bonus.
How much is the Ubank referral bonus?
Both you and the person who referred you each receive $30. You get yours after making 5 eligible card purchases within your first 30 days.
How do I use the referral code AUSCZPY?
Download the Ubank app and start signing up. On the “About you” screen, tick “I have an invite code” and enter AUSCZPY before you finish creating your account.
What do I need to do to get the $30?
Sign up with code AUSCZPY, add some money to your account, then make 5 eligible card purchases within 30 days of signing up. The $30 is paid into your Spend account, usually within a couple of days.
What counts as an eligible card purchase?
Eligible purchases are made using Apple Pay, Google Pay, Samsung Pay, Garmin Pay, or your Ubank Visa Debit card within 30 days of signing up.
When will I receive the bonus?
After you complete 5 eligible card purchases in your first 30 days, the $30 bonus is paid into your Spend account — typically within a couple of days.
Who is eligible to join Ubank and use the offer?
To join Ubank you need to be 16 or over and an Australian citizen, New Zealand citizen or Australian permanent resident with an Australian residential address. To take part in the referral offer you must be 18 or over.
Is the referral code still working in 2026?
Yes — code AUSCZPY is active and can be used by new Ubank customers signing up now, subject to Ubank's current offer terms.

Ready to grab your $30?

Use code AUSCZPY when you join Ubank and you'll both get rewarded.

AUSCZPY

Join Ubank now →

Good to know

Offer terms summary

  • The referral code AUSCZPY must be entered during sign-up on the “About you” screen.
  • Both the new customer and the referrer receive $30 once conditions are met.
  • You must make 5 eligible card purchases within 30 days of signing up.
  • Eligible payments: Apple Pay, Google Pay, Samsung Pay, Garmin Pay or Ubank Visa Debit card.
  • The $30 is paid into your Spend account, usually within a couple of days.
  • You must be 18 or over to take part in the offer.

Full and current terms are set by Ubank. Always read the official refer-a-friend offer terms in the app or on ubank.com.au before signing up, as conditions can change.