Banks
See your Up accounts in Cove
Connect Up to Cove Money through the Consumer Data Right and see your Up Everyday account, Savers and Up Home loan in one calm, read-only view.
Up is the Melbourne-built digital bank known for its Savers — most Upsiders run a stack of them, each with its own goal. Connect Up to Cove and your Everyday account, every Saver and your Up Home loan appear in one quiet view, alongside any other banks you use, so the full picture lives in one place.
Good to know: Up operates under Bendigo and Adelaide Bank's banking licence but is its own data holder under the CDR — Up and Bendigo Bank are separate connections.
How to connect Up to Cove
- Start in Cove. Open Cove, choose to add a bank, and pick Up from the supported list.
- Review the consent request. The Consumer Data Right consent screen shows exactly what data is requested, why it is needed, who can access it, how long access lasts, and how to withdraw consent later.
- Approve with Up. You're taken to Up's own verification step, where your identity is confirmed with a one-time password from Up. Cove never sees or stores your Up password.
- Choose the accounts to share. You pick which eligible Up accounts to share. Only the accounts you authorise are visible to Cove.
- See your money in one place. Your Up balances and transactions flow into Cove read-only and stay up to date automatically while your consent is active.
What syncs from Up
| Account type | What you see in Cove |
|---|---|
| Transaction accounts | Balances, transactions and account details |
| Savings accounts | Balances, transactions and account details |
| Home loans | Balances, transactions and account details |
Your data refreshes automatically while your consent is active, so Cove stays current without you re-connecting or refreshing anything yourself.
Security and the Consumer Data Right
Cove connects through the Consumer Data Right, Australia's regulated open banking system — not screen scraping. Cove Money operates as a CDR Representative of Fiskil Pty Ltd, an ACCC-accredited data recipient. Access is strictly read-only: Cove can see balances and transactions, but it can never move money, make payments, or change anything in your Up accounts. You can revoke access at any time, from Cove or from your bank's data sharing dashboard.
Up FAQs
Is connecting Up to Cove safe?
Cove's access is read-only and runs through Australia's Consumer Data Right. Cove Money operates as a CDR Representative of Fiskil Pty Ltd, an ACCC-accredited data recipient, and you approve the connection inside Up's own login — Cove never sees your Up password. You can revoke access at any time.
Do my Up Savers show as separate accounts in Cove?
Yes. Each Saver you authorise during the consent flow appears as its own account with its own balance and transactions, so your goals stay visible.
Is Up the same connection as Bendigo Bank?
No. Up operates under Bendigo and Adelaide Bank's licence, but it's a separate data holder under the Consumer Data Right — you connect Up directly, and Bendigo Bank separately if you bank there too.
Does Cove work with Up joint accounts?
Joint accounts can be shared under the Consumer Data Right, though Up may first ask each account holder to approve data sharing for the account. If a joint account doesn't appear in Cove, check the data sharing settings in your Up banking.
Does Up charge for connecting to Cove?
No. Sharing your data under the Consumer Data Right is free for consumers — Up doesn't charge for it, and Cove doesn't charge anything beyond your normal subscription.
Cove Money is not affiliated with or endorsed by Up. The Up name is used only to identify the institution. Product availability through the Consumer Data Right is determined by Up and can change.
Try Cove Money
See your Up accounts, calmly.
Read-only Consumer Data Right bank connections, no advertising, and one quiet subscription. Start with 7 days free, then $9.99 AUD per month, cancel anytime.