42 years of banking, built for Australians.
From a small Sydney credit union in 1984 to one of Australia's most trusted banks — we've grown, but our values haven't changed.
Founded by Australians, for Australians.
United Credit Bank began in 1984 when a group of 47 Sydneysiders pooled their savings into a community credit union. They believed banking should put people before profits — and that belief still guides everything we do today.
Four decades later, we serve over 250,000 customers across Australia with 58 branches from Hobart to Darwin. We remain proudly Australian-owned, with our headquarters still at 1 Martin Place in Sydney, where it all began.
- Proudly Australian-owned — no overseas shareholders
- APRA regulated and government guaranteed (up to $250K)
- Profits reinvested into better rates for customers
- Committed to net-zero carbon by 2035
What drives us every day
Six core values that guide every decision we make, from the boardroom to the branch counter.
Integrity First
We do the right thing — even when no one is watching. No hidden fees, no fine print, no tricks. Just honest banking.
Sustainable Future
We're committed to funding Australia's transition to renewable energy and a sustainable economy.
Community Focus
Every year we donate 3% of profits to Australian community organisations, from surf lifesaving to rural fire services.
Innovation
From Australia's first mobile cheque deposit to AI-powered budgeting tools — we lead with tech that works.
Inclusion
We're proud to be an Employer of Choice for Gender Equality and support First Nations communities through our RAP.
Security
Your money's safety is non-negotiable. Bank-grade encryption, 24/7 fraud monitoring, and a zero-liability guarantee.
Meet the team
A team of experienced bankers and fintech leaders with deep roots in Australian financial services.
Jennifer Davidson AO
30+ years in Australian banking. Former ANZ Group Executive. Chair, Australian Banking Association 2024-2026.
Michael Chen
Chartered Accountant with experience at PwC and NAB. Passionate about sustainable finance and ESG reporting.
Priya Ramanathan
Ex-CTO of Afterpay. Built Australia's fastest core banking platform. PhD in Distributed Systems from UNSW.
Robert Morrison
25 years at APRA. Led the 2018 Banking Royal Commission implementation taskforce at CBA.
Bank with a team that cares.
Join 250,000+ Australians who've made the switch to United Credit Bank. Open your free account in under 2 minutes.
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