86 400 Smart Bank

About 86 400 Smart Bank

We’re Australia’s first smartbank, here to help you take control so you can feel on top of your money.

⭐⭐⭐⭐⭐ “Easy to join, super easy to use and great interest rate” - UH

Join the tens of thousands of Australians who have already discovered a smarter way to pay, save and own their home, with helpful features like:
• connecting your other bank accounts to get total visibility of your money
• automatic predictions of your upcoming bills and subscriptions

And with our Australian-based support team, help is only ever a phone call or email away.

Download the app now and get started in under 2 minutes.

A smart way to pay

• No monthly fees
• Instant access to Google Pay™, plus a Visa Debit card in the mail
• Fee-free ATM withdrawals at over 10,000 ATMs in Australia
• Send and receive money instantly using Osko
• Access to BPAY, Samsung Pay, Fitbit Pay and Garmin Pay

A smart way to save

• Great interest rate on up to three Save accounts
• Earn bonus interest on balances up to $300,000 ($100,000 per account)
• Withdraw money at any time without affecting your bonus rate
• Never be caught short by setting up direct debits from any of your Save accounts

Get total visibility of your money

• Connect your accounts from over 100 other banks and providers to view your balances and transactions in the 86 400 app
• Stay on top of your bills and subscriptions with automatic predictions of your upcoming payments across all of your accounts (not just your 86 400 ones)

⭐⭐⭐⭐⭐ “Being able to link my non-86 400 accounts and then having it predict coming-up bills is such a game changer!” - DW

Simple insights to stay in control

• Easily visualise your money in and out each month, along with your total savings growth
• Receive simple nudges to make sure you don’t miss out on our bonus interest rate each month
• Switch to a better deal on life’s unavoidable expenses, like your electricity, with no hidden catches, fees or commissions

Own your home sooner

• Competitive rates and low fees on purchases and refinances
• Fast decisions and a stress-free application process with almost no paperwork
• Great features across fixed and variable loans, including unlimited fee-free redraws and offsets (variable only)
• Learn more or locate your nearest broker at 86400.com.au/homeloans


Pretty smart, right? And that's just the beginning. Check out our public feature roadmap at 86400.com.au for what's coming next.

Start taking control of your money. Download the app now and get started in under 2 minutes.

With state-of-the-art security and technology built from the ground up, your money is safe with us. And just like any other Australian bank, your money is guaranteed by the Federal Government up to $250,000 per customer.

⭐⭐⭐⭐⭐ “Best banking experience ever” - DS

We’re open to all Australian citizens and permanent residents aged 16 or older, with at least one form of ID (Australian driver licence, passport or Medicare card). If you’re a temporary resident, email us at [email protected] and we’ll let you know the moment you can join us.


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This is general info and doesn't take your personal situation into account, so please take the time to make sure it’s right for you. Credit criteria applies for home loans.

86 400 Ltd holds a full banking licence issued by APRA and is an authorised deposit-taking institution. 86 400 Ltd ACN 621 804 813 AFSL and Australian credit licence 506560.