Updated September 28, 2026 · VaultCue Editorial Team
Bank al Etihad digital account vs Up
Bank al Etihad digital account
Up
Higher score in this comparison
Bank al Etihad digital account vs Up: the differences
| Compare | Bank al Etihad digital accountReviewSee alternativesSee alternatives | UpReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | JOD 0 | A$0 |
| Currency conversion fee | 3% | 0%Lower |
| Free ATM withdrawals | Not confirmed | A$0 |
| Transfer fee | Not confirmed | Free for domestic Pay Anyone transfers, BPAY and direct debits; international transfers sent via Wise |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Up scores higher overall: 9.4 vs 9.1.
- Currency conversion fee is lower at Up: 0% vs 3%.
- Pricing model: only Up offers Low FX.
Our verdict on each
Bank al Etihad digital account
Bank al Etihad digital account suits people who bank and save in Jordan and want no monthly charge with savings they can reach at any time. The current account fee is JOD 0, but currency conversion costs 3% and the savings rate is a variable 0.375%.
Up
Up suits anyone who wants an everyday Australian account that charges no monthly fee and no currency conversion fee. The monthly fee is AUD 0, the currency conversion fee is 0%, and the account is provided by Bendigo and Adelaide Bank Limited, with a variable rate on balances.
Score breakdown
| Area | Bank al Etihad digital account | Up |
|---|---|---|
| Cost | 8.2Currency conversion at 3% sits above the site median of 0.5%; the JOD 0 monthly fee and variable 0.375% are the low points. | 9.4HigherCash withdrawals are free within the allowance of AUD 0 and the minimum deposit is AUD 0, so running costs stay low. |
| Offer | 9.8Higher | 9.2Built for travelers, with help on chat, phone and email and an Australian Credit Licence, 237879. |
| Trust | 9.5 | Not confirmed |
How they place
| Ranking | Bank al Etihad digital account | Up |
|---|---|---|
| Current and checking accounts | 73 of 885 | 44 of 885 |
| Savings accounts | 253 of 1420 | 110 of 1420 |
Every fact side by side
| Fact | Bank al Etihad digital account | Up |
|---|---|---|
| Audience | Not confirmed | Travelers |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Not confirmed | Free ATM, Joint account |
| Legal entity | Bank Al Etihad | Bendigo and Adelaide Bank Limited |
| Headquarters | Jordan | Australia |
| Founded | 1978 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Chat, Phone, Email, Help centre |
Savings
| Fact | Bank al Etihad digital account | Up |
|---|---|---|
| Headline rate | 0.375% | Not confirmed |
| Rate type | Variable | Variable |
| Minimum deposit | JOD 100 | A$0 |
| Access terms | Withdraw anytime, no lock-in periods, interest credited every 6 months | On-demand easy access via the Up app; interest activates after 5 eligible card purchases in a month, no deposit required |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | Bank al Etihad digital account | Up | Median |
|---|---|---|---|
| Currency conversion fee | 3%highest quarter | 0%below the median | 0.5% |
Median across 377 listed accounts.
Pros and cons
Bank al Etihad digital account
Pros
- The current account runs on a no monthly fee model with a monthly fee of JOD 0
- The savings account is easy access, so money can be taken out whenever you want
- Interest on the savings account is credited on a regular schedule
Cons
- Currency conversion costs 3%, above the site median of 0.5%
- The savings rate is variable at 0.375%, well under the site median of 3%
- Opening the savings account needs a minimum deposit of JOD 100
Up
Pros
- No monthly charge on the everyday account: AUD 0.
- No currency conversion fee: 0%.
- Joint accounts and free cash machine withdrawals are both on the free atm and joint account list.
Cons
- Interest activates only after a set number of eligible card purchases in a month, so a balance must see card spending first.
- The account kind is easy access with a variable rate, so a fixed-rate term is not part of the deal.
Who each suits
Bank al Etihad digital account
Who it suits
- People paid in dinars who keep everyday money in Jordan
- Savers who want access to their money with no lock-in period
- Customers who want current and savings accounts from the same bank
Who should look elsewhere
- XTB, if a higher variable savings rate matters more than local banking
- Skrill, if you convert currency often and the 3% charge is the deciding cost
- AXI Card Tarjeta y Credito, if the JOD 0 monthly fee is the only thing you weigh
Up
Who it suits
- People in Australia who want a current account with AUD 0 a month and 0% on currency conversion.
- The travellers Up is aimed at, since its listed audience is travelers.
- Pairs who want to share one account, as a joint account appears under free atm and joint account.
Who should look elsewhere
- Readers who want a euro account rather than an Australian one, since €0 a month at XTB and €0 at AXI Card Tarjeta y Credito sit outside Up's Australian base.
- Anyone focused mainly on moving money rather than holding a bank balance, where Skrill charges €0 a month.
Current offers
Up
Current offer
Bonus
Sign up & SCORE $10 with code UPYEAH10: $10 AUD
Code must be used at sign-up via the Up app; offer only applies to individuals opening a new Up Everyday Account
Source, checked September 26, 2026
Country by country
| Country | Bank al Etihad digital account | Up |
|---|---|---|
| Australia | No | Yes |
| Jordan | Yes | No |
Questions about each
Bank al Etihad digital account
What does the Bank al Etihad digital account cost each month?+
The current account runs on a no monthly fee model and charges a monthly fee of JOD 0, so day to day banking carries no standing charge. The cost that matters is currency conversion at 3%, above the site median of 0.5%. Frequent conversion is where the low monthly fee stops paying.
Who regulates the bank and where is it based?+
The account sits with Bank Al Etihad, a bank based in Jordan and supervised by the Central Bank of Jordan, so it is a bank account rather than an e-money or payment institution balance. The same legal entity has operated since 1978, and help runs through email, chat and phone.
Up
What does it cost to hold an Up account?+
Up charges a monthly fee of AUD 0 on the everyday account, and the currency conversion fee is 0%. The minimum deposit is AUD 0. Domestic Pay Anyone transfers, BPAY and direct debits are free, while international transfers are sent through Wise.
Who provides the account and what licence is behind it?+
The account comes from Bendigo and Adelaide Bank Limited, Bendigo and Adelaide Bank Limited, which is based in Australia, AU. Up also holds an Australian Credit Licence, 237879, and an Australian Financial Services Licence in Australia.
Other options to compare
Other matchups
Related by the facts
Bank al Etihad digital account