Use code row1 to sign up for UP bank. It only takes a few minutes and you get $20 for free. No deposits, no spending requirements. Or use this link 
https://hook.up.me/row1
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Up Bank is a hugely popular referral program for our fantastic Australian members! Make sure you maximise your referral reach by sharing in your ReferralCodes profile via the Up Bank page: UP Bank Referral Code Rewards: Refer a Friend Bonus 2024