Hi, we're

86400 Logo

Australia's first smartbank

Sign up in just 2 mins

It pays to bank smart! 🙌

Sign up using the referral code SCORE10 and get $10 after your first purchase.

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



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

Your chance to win a year’s worth of electricity! 💡 ⚡️

83% of customers have found a saving with Energy Switch - Enter the draw to win electricity for a year up to the value of $1,500. Offer available for a limited time.

Terms & Conditions 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 1.20% p.a. on all of your Save accounts when you deposit $200+ a month into any of your Pay or Save accounts.
Learn more

Get a home loan that puts you on the financial fast track

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.

We could even help you
switch and save on your electricity

Plus have the chance to win a year's worth of electricity valued at $1,500! Shocked? It’s not what you’d expect from a bank… but neither are we!

Learn more

1 Comparison rates are calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates where the LVR is equal to or less than 80%, the comparison rate is based on a revert variable rate with an LVR of 60%. For fixed rates where the LVR is greater than 80% but less than 85%, the comparison rate is based on a revert variable rate with the same LVR. 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. 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.