Updated October 13, 2026 · VaultCue Editorial Team
bKash vs Up
bKash
Up
Higher score in this comparison
bKash vs Up: the differences
| Compare | bKashReviewSee alternativesSee alternatives | UpReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | Not confirmed | A$0 |
| Currency conversion fee | Not confirmed | 0% |
| 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.
Our verdict on each
bKash
bKash provides easy-access everyday accounts with on demand access through the bKash app or USSD *247# for managing daily balances. It suits people who handle everyday money by phone and want balances kept within reach for ordinary spending and short term needs.
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 | bKash | Up |
|---|---|---|
| Cost | Not confirmed | 9.4Cash withdrawals are free within the allowance of AUD 0 and the minimum deposit is AUD 0, so running costs stay low. |
| Offer | 8.5 | 9.2HigherBuilt for travelers, with help on chat, phone and email and an Australian Credit Licence, 237879. |
| Trust | 8.6 | Not confirmed |
How they place
| Ranking | bKash | Up |
|---|---|---|
| Current and checking accounts | 391 of 885 | 44 of 885 |
| Savings accounts | 853 of 1420 | 110 of 1420 |
Every fact side by side
| Fact | bKash | Up |
|---|---|---|
| Audience | Not confirmed | Travelers |
| Pricing model | Not confirmed | No monthly fee, Low FX |
| Features | Not confirmed | Free ATM, Joint account |
| Legal entity | bKash Limited | Bendigo and Adelaide Bank Limited |
| Headquarters | Bangladesh | Australia |
| Founded | 2011 | Not confirmed |
| Support channels | Chat, Help centre | Chat, Phone, Email, Help centreCovers more |
Savings
| Fact | bKash | Up |
|---|---|---|
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | A$0 |
| Access terms | On demand access via bKash app or USSD *247# | 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 | bKash | Up | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | A$0at the median | A$0 |
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
Median across 377 listed accounts.
Pros and cons
bKash
Pros
- On demand access for everyday balances through mobile channels
- Easy-access account kind that keeps daily money within reach
- Phone led account management for everyday money by phone
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
bKash
Who it suits
- People who want easy access to everyday money
- Customers who prefer managing balances by phone
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 | bKash | Up |
|---|---|---|
| Australia | No | Yes |
Questions about each
bKash
What kind of everyday account does bKash offer?+
bKash offers easy-access everyday accounts for daily balances. Balances stay available when needed rather than tied away. The account supports ordinary spending and short term needs in daily life each day.
How do customers reach money with bKash?+
Customers reach balances through the bKash app or by USSD. Everyday money stays manageable by phone in daily life. People can choose the channel that matches daily habits and routines.
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.