Bank referral code – Updated June 2026
Up Bank Referral Code 2026: Get $21 with Code SCONS
Quick answer: use code SCONS to claim the current $21 Up Bank bonus with this invite, then complete signup with the offer attached.
Use Up Bank referral code SCONS to get the current $21 signup bonus with this invite.
Follow the invite link, complete signup and ID verification, and make sure the bonus amount is shown before you finish creating the account.
Want The Up Bank $21 Bonus?
Use code SCONS through the invite link and finish signup with the bonus attached.
If you already want to try Up Bank, the referral bonus is a simple extra: use code SCONS and check that the $21 bonus is attached before you finish signup.
Up is one of the easiest app-first banks to recommend if you like instant notifications, simple spending tools, Savers, Pay Splitting and a clean travel-card setup. For the deeper product breakdown, read my Up Bank review. If you are comparing it against Ubank, read Ubank vs Up Bank.
How to get the Up Bank referral bonus
Use the invite
Open the Up invite link and start signup with code SCONS.
Check the bonus
Confirm the signup screen shows the $21 offer before completing the process.
Finish signup
Complete the account setup and ID verification required to become an Up customer.
Up referral amounts can vary by invite link. Use the code/link first and make sure the bonus shown in the signup flow matches what you expect.
Up Bank referral code quick facts
| Item | Details |
|---|---|
| Referral code | SCONS |
| Current bonus with this invite | $21 |
| Main condition | Use the invite/code before signup is completed, then complete Up’s required onboarding and ID verification. |
| Best reason to open Up | Excellent app experience, spending insights, Savers, Pay Splitting and travel-friendly debit card use. |
| Best next read | Up Bank Review |
Is Up Bank worth opening just for the bonus?
The $21 bonus is a good sweetener, but Up is better judged as an everyday banking app. It is strongest if you like seeing spending instantly, splitting bills, using multiple Savers, and keeping your money setup clean.
If you are mainly hunting bonuses, compare it with the best bank bonuses in Australia and the bank bonus tracker. If you want a no-monthly-fee banking setup, also read best free bank accounts in Australia.
Good fit if…
- You want a polished app-first bank.
- You like instant notifications and spending insights.
- You use Savers for goals or buckets.
- You want a useful card for travel spending.
Maybe skip if…
- You need branch banking.
- You want everything at a big bank.
- You will not use the app features.
- You are only chasing the bonus and dislike opening new accounts.
Mistakes to avoid
- Typing the code after signup. Use the invite link or code SCONS before the account is created.
- Ignoring the amount shown. Check the signup screen shows the expected $21 bonus.
- Using a different phone number. Referral systems can be picky, so keep your signup details consistent with the invite flow.
- Opening it for the bonus only. Up is best if you will actually use the app, Savers or card.
What to compare next
Up Bank review
Best if you want the full pros, cons, travel use and everyday banking breakdown.
Ubank vs Up Bank
Best if you are choosing between two popular modern Australian banking apps.
Free bank accounts
Best if you want to compare no-monthly-fee everyday accounts more broadly.
Travel cards
Best if you are looking at Up as a travel spending card rather than just a local bank.
Open Up Bank With The $21 Code
Use code SCONS, confirm the $21 bonus appears, then finish signup.
FAQ
What is the Up Bank referral code?
The Up Bank referral code is SCONS. Use the invite link or enter the code before completing signup.
How much is the Up Bank referral bonus?
With this invite, the current bonus is $21. Up’s own terms explain that invite amounts can vary by code/link, so check the amount shown before finishing signup.
Does the Up Bank code expire?
Up invite links and codes can change or be cancelled, so use the current link and check the signup screen before completing the account.
Is Up Bank better than Ubank?
Up is usually stronger for app experience, spending tools and Savers. Ubank can be better if its savings setup or Visa debit backup suits you. Read Ubank vs Up Bank for the direct comparison.
Disclosure: Some links are referral or affiliate links. MoneyHackHQ may earn a bonus or commission if you sign up through them, at no extra cost to you. This is general information only and does not consider your personal financial situation.
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