Up Bank complaint?

Do you have a dispute or a bad customer experience with Up Bank? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

The quickest way to reach Up Bank customer service is Talk to Us, the chat in the Up app. You can also call Up on 1300 002 258 or email support@up.com.au, and Up's complaints page, linked in the contact details above, lists the same routes for complaints. Have the date and amount of any transaction you are asking about and screenshots from the app ready.

Transaction on your account you did not make? Start your complaint here as well: we push it out to Up Bank by email, social media and printed letters.

Up Bank is a brand of Bendigo and Adelaide Bank Limited, the Australian bank registered in Bendigo, Victoria, which provides Up's accounts, cards and loans. Up runs its own app, support and complaints channels, separate from Bendigo Bank's, so a complaint about an Up account goes to Up rather than to a Bendigo Bank branch.

To escalate inside Up, ask through Talk to Us or by email for your complaint to be formally recorded, note the reference number, and ask for Up's response in writing.

To report a scam or an unauthorised transaction to Up Bank, contact Up straight away through Talk to Us in the app or by phone on 1300 002 258, and ask Up to secure your card and account if someone else may have used them. Give Up the date, amount and payee of each payment, how it was made and when you noticed, and ask for a reference number. Up's site has a scams section with its own guidance.

Lost money to a scam through your Up account? Our trained AI opens a case for you and keeps coaching you on what to send Up Bank next, and how to escalate if nothing happens.

Yes: the Australian Financial Complaints Authority covers complaints about banking, payments, loans and financial hardship at its member firms in Australia, and Bendigo and Adelaide Bank, which runs Up Bank, is a member. It generally expects Up to have had the chance to put things right first, so keep a record of every chat, call and reference number.

Disputing a decision Up Bank made about your account? Put it through our complaint process: we help you write the complaint in minutes, with every transaction and date set out clearly.

Not if it asks you to move your money, read out an SMS code or share your PIN or passcode. Up says it never does any of these, and scammers can make their texts appear in the same thread as Up's real messages and their calls show a genuine-looking number.

Nothing has been reported about Up Bank here yet. Our research shows what typically goes wrong at app-based banks: card payments customers do not recognise, scam payments that are hard to recover, accounts locked or closed for checks with little explanation, refunds and transfers that are slow to arrive, and support that runs mainly through chat when a customer wants to speak to someone.

Account locked by Up Bank without a clear reason? Be the first to report it: your case opens the record for the next Up customer who finds the same.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Up Bank through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Up Bank can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.