Post rate cut, Ubank is passing full rate cut 0.25% to existing as well as new customers. so new rates are starting from 2.84%. Do not that there is no offset account but redraw only. no application or ongoing fees and lending criteria is bit softer than Athena and TicToc.

I was rejected by both Athena and Tictoc but Ubank did not make fuss about my credit score (which is 700+ without any blemish).

https://www.ubank.com.au/newsfeed/articles/2019/09/ubank-rba...

Rates effective from 29th Oct.