Up Bank holds the money. SaveToRoam plans the trip.
Up's named Savers are a great place to ring-fence holiday money. SaveToRoam works out what the holiday actually costs — and what that means for the Saver each week.
How much the trip really costs
You can name a Saver "Bali 2027" and set a target. But the target is a guess — there's no flight cost, no accommodation total, no daily food estimate flowing into it. You're saving toward a number you typed in.
What changes when plans change
Swap a hotel, push the dates back three months, add a third week — the target balance in your Saver stays the same number you typed in last month. You have to do the maths again manually.
What to save this week
Auto-saving a percentage of every pay is great. But it's not the same as knowing "we need $187/week from now until departure to be ready in time."
| Feature | Up Bank Savers | SaveToRoam |
|---|---|---|
| Hold the holiday money | Bank account | (not a bank) |
| Named savings sub-accounts | Savers | ✗ |
| Auto-save from pay | Pay Splits | ✗ |
| Round-up to savings | ✓ | ✗ |
| Itinerary planner | ✗ | ✓ |
| Real trip cost estimates | ✗ | ✓ |
| Weekly savings target tied to the trip | ✗ | ✓ |
| Target updates when plans change | ✗ | ✓ |
| Track paid bookings + remaining costs | ✗ | ✓ |
| 60+ family destination templates | ✗ | ✓ |
| Best for | Storing the money | Planning the trip |
Use both. Keep the money in Up. Plan the trip in SaveToRoam.
Up's Savers are a great way to keep holiday money separate from everyday spending — and the bonus interest on referrals is a nice extra. SaveToRoam isn't trying to replace the bank account.
What SaveToRoam adds is the layer Up doesn't have: the trip itself. The flights, accommodation, activities and food that add up to the real cost. The weekly target derived from that cost and the timeline. The number that updates when you swap a hotel or change the dates.
Keep the money in Up. Use SaveToRoam to know what to put in there each week, and to see whether the trip is still on track.
Our Bali Saver had been sitting at "$8,000" forever. SaveToRoam showed me we actually needed $14,500 and what to save each week to get there.
Plan the trip. Let Up hold the money.
60+ family-trip templates with real AUD costs and weekly savings targets. Take the weekly number, set it as an Up Pay Split into your Saver — and watch the bar move.
Start freeFree plan covers one trip. New signups get 14 days of Pro free — no card. After that, Pro is AUD $4.99/month or AUD $39.99/year.
Common questions
Does SaveToRoam connect to Up Bank?
Not directly. SaveToRoam doesn't read or write to your bank accounts — you keep that side simple and private. The flow is: SaveToRoam calculates a weekly target for the trip; you set up an Up Pay Split or Round-Up to that amount into your trip Saver.
Do I still need a Saver if I use SaveToRoam?
Yes. SaveToRoam is a planning tool, not a bank. You still need somewhere to physically hold the money — an Up Saver, an ING Savings Maximiser, a Ubank Save account, or any high-interest savings vehicle.
Why is the weekly target useful if I already auto-save a percentage?
A percentage saves whatever's left after spending. A weekly target is a goal tied to the actual trip — you know the bar is moving fast enough to land at the right number by the departure date. The two work well together: auto-save the percentage, then top up to the target each pay.
Read the full comparison: Trip Savings Platform vs Savings Account →
Plan the trip. Save enough to go.
SaveToRoam links your itinerary to your savings, so a hotel change updates your weekly target automatically.
Free to start — no card required.