Ubank vs SaveMateAU

Open a Ubank account in minutes for Money Done Better. Ubank is a digital bank that makes money feel simple, easy to understand and more personal. From daily banking to managing your home loan, Ubank has smart features and tools to help you succeed. What you can do with Ubank: Spend • Digital bank accounts with no account or card fees¹ • Spend instantly by adding Ubank to your digital wallet • Create joint accounts in minutes to share money with your partner-in-finance • PayID and Osko for instant money transfers (if the other bank participates) Save • Open up to 10 no fee savings accounts with high bonus interest that’s simple to earn • Earn bonus interest on savings up to $1M per customer when bonus criteria are met² • Set up Savings Targets on each of your Save accounts to track your goals Travel • Use your Ubank card overseas instead of a travel card for no fees from Ubank¹ • Withdraw from any ATM with no fees charged by Ubank¹ • No currency conversion fees when you pay in a foreign currency • A competitive Visa exchange rate on all your international transactions Budget • Set Budgets to track your spending on 50 categories and merchants in real time • Track your Pay Cycle and sync the Ubank app to when your money comes in • Use a separate Bills account to plan and pay for expenses so you know what’s safe to spend • Schedule bills and get reminders from the Bill Planner Buy a home • Ubank offers home loans for owner-occupiers and investors on new and refinanced loans • Skip the upfront cost with no LMI on any Ubank home loans • Buy with as little as 10% deposit • Easy paperless application online • Chat to our local lending specialists 7 days a week And more • Ubank is part of NAB. You can trust that your money is safe with deposits guaranteed up to $250K³ • Ubank has encrypted passkey login to help keep your accounts secure • Link external bank accounts with Ubank using Connected Accounts • An Australian based call centre available 7 days for any of your queries Download the Ubank app and follow the prompts to get started in minutes. You’ll need valid ID and a unique mobile number. Signing up with a bonus code? See the terms and conditions below for more details. Important information Ubank is open to Australian or New Zealand citizens, or Australian permanent residents. You must be aged 16 or older with an Australian residential address and mobile number to hold an account. If you’re over 18 you will need at least one form of ID (Australian driver licence, Australian passport, or international passport) to sign up. If you’re under 18, you’ll need at least two forms of identification: an Australian driver licence, Australian passport, international passport, Medicare card or birth certificate. Products issued by Ubank, part of National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686. Registered Office: Level 28,395 Bourke Street, Melbourne VIC 3000, Australia. Credit criteria apply. Info is general. Consider if it’s right for you. TMDs and product terms at ubank.com.au. ¹Ubank won’t charge you any fees overseas, but some third party merchants and ATM operators may still charge a fee. ²Rates are variable and subject to change. Interest is payable on total savings up to $1,000,000 per customer where bonus criteria are met. To earn bonus interest, you must have a Spend account, and grow the combined balance of your Save accounts by at least $1. Interest doesn't count towards the $1, and special rules apply to offset accounts. For more info about bonus interest, see ubank.com.au/banking/savings-account ³The Australian Government guarantees deposits up to $250,000 per customer, per Authorised Deposit-taking Institution. As Ubank is part of NAB, the government guarantee applies to the combined value of your Ubank and NAB accounts. Signing up with a bonus code? Read our Welcome Bonus Offer terms at ubank.com.au/campaigns/welcome-offer.

SaveMateAU - Plan the life you actually want to live. Whether you're saving for a home, paying off debt, planning for retirement, or just trying to understand where your money goes - SaveMateAU gives you the numbers you need to make smarter decisions. 35 POWERFUL CALCULATORS Property - Home Deposit - How long until you can buy? - Stamp Duty - What will you pay by state? - Rent vs Buy - Which is actually better for you? - Refinance Savings - Is switching lenders worth it? - Extra Repayments - Pay off your mortgage faster Education - Child Education Fund - Be ready when it matters most - HECS Repayment - When will your student debt be gone? - Private School Fund - Plan ahead for private education - Baby Fund - Ready before the big day Car - Car Upgrade Fund - When can you afford that new car? - EV Switch - Does going electric make financial sense? - Car Loan Payoff - Pay off your car loan faster Lifestyle - Saving Goal - How long to reach your target? - Holiday Fund - Your dream trip is closer than you think - Wedding Fund - Your perfect day, planned financially - Renovation Fund - Plan your dream renovation - Gadget Fund - Save for your next big purchase Independence - FIRE Calculator - When can you retire early? - Retirement Age - When can you stop working? - Super Boost - How much is extra super worth? - Passive Income - How much do you need to invest? Protection - Emergency Fund - How long could you survive without income? - Income Protection Gap - What happens if you can't work? - Redundancy Buffer - Are you ready if you lose your job? Debt - Debt Snowball - Crush your debts one by one - Credit Card Payoff - The real cost of your credit card debt - Subscription Audit - What are your subscriptions costing? - Daily Habit Cost - Small spending, big long-term impact - Salary Sacrifice - Pay less tax, save more super Australia - Tax Return Estimator - How much will you get back? - HECS + Savings - Should you pay HECS or save first? - Centrelink Impact - How do savings affect your payments? - CGT Estimator - Tax on your investment gains - Negative Gearing — Does your investment property stack up? WHY SAVEMATEАУ? Every calculation comes with: - Clear results in plain English - Visual graphs showing your financial future - Smart insights - not just numbers - Honest disclaimers (we're a calculator, not a financial adviser) SAVEMATEAU PRO - $4.99 once, yours forever - Unlimited calculations - PDF export - save and share your financial plans - Custom subscription tracking - Scenario comparison graphs - One-time purchase. No subscription. No hidden fees. DISCLAIMER SaveMateAU is for informational and educational purposes only. It does not provide financial, legal, or tax advice. Always consult a qualified professional before making financial decisions.