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Founded in 2017 , Up Banking is based in Melbourne Australia , and was designed , developed and delivered through a collaboration between Ferocia and Bendigo Bank . As standard , Up offers a standard card and current account service . Where the bank excels is in its financial insights , which are designed to give its users complete clarity on where and when they spend their money . From location , time and recipient identity , Up creates month by month spend analysis and insights for its users . JUNE 2019