Banking referral codes
Invite links and referral bonuses for everyday banking in Australia - transaction accounts, debit cards and popular money apps. Providers such as Up Bank, ING and Revolut often pay a one-off reward when a friend opens an eligible account. Scan the listings here, then read the bank's own terms before you apply.
Athena Home LoansChecked 4 Oct 2026A$250 or A$1,000 after settlement
ING BankChecked 4 Nov 2026$100 bonus
MyPayNowChecked 28 Oct 2026A$50 after an approved wage advance
ubankChecked 23 Oct 2026$30 cash bonus
Up BankChecked 22 Jul 2026$15+ cash bonus
WeMoneyChecked 24 Jun 2026$5 cash bonus
Revolut AustraliaChecked 4 Nov 2026No guaranteed direct signup bonus
Choosing a banking invite
- Work out if the perk is paid as cash, account credit, card credit or an in-app bonus, and which account or card product counts.
- Weigh monthly membership fees, card charges, interest, FX margins and any rules about salary deposits or minimum card spend.
- Allow for ID verification, new-account windows, minimum balances and cooling-off periods before either party receives cash or credit.
How do I tell if a banking referral is worth using?
Start with the product type - everyday account, card, neobank or wallet - then match the advertised amount to expiry dates, ongoing fees, activation steps and whether you pass the provider's identity and eligibility checks.
Do banks usually reserve referral rewards for brand-new customers?
Often yes. Many programs exclude people who already bank with the brand or who closed a similar account recently. A deposit, card purchase, salary credit or completed onboarding step is commonly required before either party is paid.
What should I weigh up against the signup bonus?
Put the headline reward next to account fees, interest on savings, card and FX costs, app features and the hassle of qualifying. A bigger bonus can still be a poor deal if the account does not suit how you manage money.