ubank.com.au

# Ubank

> Ubank is a digital bank in Australia offering everyday banking, savings accounts, and home loans. Ubank is a division of National Australia Bank Limited.

This file lists publicly accessible, informational pages on `https://www.ubank.com.au` that are suitable for LLM consumption. It does not cover customer, account, transactional, broker, or authenticated content. Crawl policy lives in `/robots.txt`.

## Banking

- [Banking overview](https://www.ubank.com.au/banking): Everyday banking products at Ubank.
- [Spend account](https://www.ubank.com.au/banking/transaction-account): Everyday transaction account features and benefits.
- [Save account](https://www.ubank.com.au/banking/savings-account): High-interest savings account features and bonus interest conditions.
- [Bills account](https://www.ubank.com.au/banking/bills-account): Account for managing bills and recurring payments.
- [Shared accounts](https://www.ubank.com.au/banking/shared-accounts): Joint and shared account options.

## Home loans

- [Home loans overview](https://www.ubank.com.au/home-loans): Ubank home loan products.
- [Neat home loan](https://www.ubank.com.au/home-loans/neat-variable-rate-home-loans): Low-rate variable home loan with no application, ongoing, or monthly fees.
- [Own home loan](https://www.ubank.com.au/home-loans/flex-variable-rate-home-loans): Variable rate home loan with offset and redraw features.
- [Refinance home loan](https://www.ubank.com.au/home-loans/refinance): Refinance option for existing home loans to Ubank.
- [Investment home loans](https://www.ubank.com.au/home-loans/investment-loans): Home loans for investment properties.
- [Calculators](https://www.ubank.com.au/home-loans/calculators): Borrowing power, repayments and other home loan calculators.
- [Broker portal](https://broker.ubank.com.au/): Digital broker platform for brokers to complete home loan applications for Ubank customers (separate site).

## Home Loan Calculators & Tools

- [Borrowing power calculator](https://www.ubank.com.au/home-loans/calculators/borrowing-power): Estimate how much a customer may be able to borrow based on income, expenses, and existing commitments.
- [Repayments calculator](https://www.ubank.com.au/home-loans/calculators/repayment-calculator): Calculator to work out estimated principal and interest repayments across loan amount, rate and term.
- [Refinance savings calculator](https://www.ubank.com.au/home-loans/calculators/refinance-calculator): Customers can compare a current home loan against a Ubank rate to see potential interest and repayment savings.

## Banking app

- [Ubank app](https://www.ubank.com.au/mobile-banking-app): Mobile-first banking app for iOS and Android - open accounts, manage cards, transfer funds, set savings goals and track home loan application progress.

## Help and support

- [Help centre](https://www.ubank.com.au/help): Frequently asked questions and support articles.
- [Contact us](https://www.ubank.com.au/contact-us): Reach Ubank by phone on 13 30 80, secure in-app message or post.
- [Security centre](https://www.ubank.com.au/security): Information on scam awareness, secure logins, biometric protection and how to report suspicious activity, lost or stolen cards.
- [Scams and fraud](https://www.ubank.com.au/help/scams): How to spot scams and steps to take if a customer suspects fraud.
- [Financial hardship](https://www.ubank.com.au/help/financial-hardship): Support options if customers are having difficulty meeting loan or account commitments.
- [Domestic violence support](https://www.ubank.com.au/domestic-violence-support): Support services and ways to contact Ubank for those experiencing domestic and family violence and elder financial abuse.
- [Accessibility and inclusion](https://www.ubank.com.au/help/accessibility-and-inclusion): Accessibility commitments and support options.
- [Complaints policy](https://www.ubank.com.au/complaints-policy): How to make a complaint and how Ubank handles complaints.
- [Interpreter services](https://www.ubank.com.au/interpreter-services): Language support for customers who are non-English speakers.

## Important Documents and Policies

- [Privacy policy](https://www.ubank.com.au/privacy): How Ubank and NAB collect, use, store and share personal information.
- [General terms and conditions](https://www.ubank.com.au/terms): Terms governing Ubank accounts, cards and digital services.
- [Fees and limits](https://www.ubank.com.au/static/86-400-Fees-and-Limits.pdf): Schedule of account fees and transaction limits (PDF).
- [Credit guide](https://www.ubank.com.au/wp-content/uploads/credit-guide.pdf): Credit guide for Ubank home loans under the National Consumer Credit Protection Act (PDF).
- [Target Market Determinations (TMDs)](https://www.ubank.com.au/tmd): TMD documents for each Ubank product, describing the target market and distribution conditions.
- [Consumer Data Right (CDR)](https://www.ubank.com.au/cdr): Information on Ubank's CDR participation and how to share a customer's banking data with accredited third parties.
- [Banking Code of Practice](https://www.ubank.com.au/help): Ubank's commitments under the Australian Banking Association's Banking Code of Practice.
- [Financial Services Guide](https://www.ubank.com.au/terms): Information about the financial services Ubank provides as a division of NAB.

## Other links

- [Money tips & guides](https://www.ubank.com.au/tips-and-guides): Articles and guides on saving, budgeting, buying a home, and managing money.
- [Home buying guides](https://www.ubank.com.au/home-loans/buying): Step-by-step content for first home buyers, refinancers, and investors.
- [Sustainability](https://www.nab.com.au/about-us/social-impact/environment): NAB Group's environmental and sustainability commitments, which apply to Ubank as a division of NAB.
- [Ubank Newsroom](https://www.ubank.com.au/newsroom): Latest news and media releases on Ubank.