New to Fupay?
Welcome aboard 👋
Here’s how to get started.
Set up your profile, and link at least one bank account that you want us to look at.
Check out FuFlow and FuPlace so you can start getting on top of your money! We explain how right here👇
Fupay is a little bit different
We are Australia’s first responsible spending and lending app. We’re not here to judge you and tell you to stop buying your morning coffees forever if you want to save money.
We’re about helping you find a better way to live and spend without the dreariness of budgeting.
The Fupay app can help you do that by giving you the best insights into your pay cycle cash flow, giving you access to exclusive cash-back offers and bargains to get a better deal when you need it, and by providing an affordable means of borrowing money if you need it (if you meet our strict criteria).
Here are our top features to check out
Access exclusive deals on FuPlace 🛍️
Our newest kid on the block, FuPlace is a feature that gives Fupay users exclusive access to bargains and cash-back offers from retailers and services.
That means you get the heads up while you’re shopping on whether you’ve got the money to spend on a particular item, or whether it’s time to hang onto your funds.
See those nasty direct debits before they hit with FuFlow 🔭
FuFlow is more than just a summary of how you spent your money last month (also: boring!). FuFlow is a handy little forecaster of all your direct debit bills, other bills, spending habits and upcoming income, and it does this across multiple pay cycles.
Go have a look around this feature. We’re confident you’re going to feel way more confident about what you have to spend until payday - no budgets required.
See if you’re eligible for our lending services: FuCard, FuBills, and FuCash 💳
FuCard, FuBills and FuCash offer you different ways to help manage your money until payday. They are all subject to our responsible lending criteria, and the costs to you for these services remains the same for each feature.
We charge you 5% of the amount you borrow from us, to cover the cost of transferring money. You then pay us back over an eight week period. That’s it.
What’s the catch?
Not everyone will meet our strict affordability criteria. This means if you do not meet our responsible lending guidelines, we cannot lend you any money.
How to know if you’ve got affordability by our lending criteria
FuCash, FuCard and FuBills will be greyed out in the app if you do not meet our strict lending rules. Don’t fret if you don’t meet those rules right now - eligibility can change over time.
Affordability not a problem? You’ll be able to access FuCash, FuCard and FuBills within the Fupay app.
FuBills helps you break up the cost of big bills
The FuBills feature lets you pass bigger bills (up to $500, and depending on your eligibility) onto us to pay on your behalf. This means you can pay your bills on time, avoid any disconnections or late fees, and you won’t be left stony broke until next payday.
FuCard helps you pay for what you need on the go
The FuCard is our virtual bank card that you can use to tap and pay while you’re on the run. It’s there to help you if you find yourself unexpectedly short.
Your spend limit will be determined by your personal affordability criteria, which can span from $0-$200, and you should note that that limit can change at any time. This is not a traditional credit service, and we advise you to read the full terms and conditions before using this feature.
FuCash: for everything else!
Sometimes you need it in cash, and for that, we can spot you a loan of up to $200. If you are eligible to use this service, FuCash lets us deposit cash in your bank account.
Got any other questions? Check out our FAQs here.