Hi, we're

86400 Logo

Australia's first smartbank

Sign up in just 2 mins

Here to help you take control so you can feel on top of your money

It pays to bank smart! 🙌

Sign up using the code WELCOME20 and get $20 after your first purchase.

Offer available for a limited time. T&Cs apply.

Get instant access to pay any way

How you pay is up to you, with your Visa Debit card, mobile or watch. You can instantly add your debit card to your Apple or Google wallet within seconds without having to wait for your card to arrive.
Learn more

Get ahead with a great rate

Earn up to 1.35% p.a. on all of your Save accounts when you deposit $1,000+ a month into any of your Pay or Save accounts.
Learn more

Own your home sooner

Learn more

Visibility of the stuff that matters

Connect accounts from over 100 financial institutions. With a read-only view of your other bank accounts in one place, you’ll get greater insights into your financial picture.

And that’s just the beginning!

We’ll keep you one step ahead

Stay on top of your expenses with automatic predictions of any regular payments, bills and subscriptions to over 200 companies — so you never get caught out.

Plus, for a limited time, we’re randomly selecting 100 lucky customers each week to have one of their predicted bills credited to their account! 🎉
Learn more

We could even help you
switch and save on your electricity

Shocked? It’s not what you’d expect from a bank… but neither are we!

Learn more

#For home loan applications received by 30 November 2020 with loan settled by 31 January 2021. Minimum loan amount of $250,000. Limited to 1 cashback per primary borrower regardless of the number of loans. Offer may be varied or withdrawn at any time. The cashback will be paid into an 86 400 Pay account within 14 days of settlement.

1 Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. These rates are for secured lending only. Comparison rates for variable interest only loans are based on an initial 5 year interest only period. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Where the loan reverts to a variable rate after the fixed period, the comparison rate is based on an LVR of equal to or less than 60%.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees, terms and conditions apply. All applications for credit are subject to 86 400 credit approval criteria.