Australia
activeFeaturedNeobank
- HQ
- Melbourne
- Fee
- Free
Judo Bank
Australia’s bank built for SMEs. APRA ADI. FCS $250,000 per account holder on its homepage.
Legal entity: Judo Bank (ADI — confirm the live registered name on APRA’s list)
Rate this app
6.8Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Authorised deposit-taking institution — Judo Bank (APRA). Still read the entity on the statement.
If it fails?
Official homepage: under the Financial Claims Scheme, deposits are protected up to a limit of $250,000 for each account holder at Judo Bank. More: apra.gov.au/about-financial-claims-scheme.
Salary?
This is an SME bank, not a personal salary app. Payroll for a company is a different question — confirm live.
Open from abroad?
Australian business KYC. Not a consumer App Store open.
Monthly fee
SME banking / lending tariffs — confirm live. Not a free consumer app.
Account number
No IBAN-class local rail on this file.
NeoBankDBVerdict
Licence first · score second
6.8
/10 · Mixed
Judo Bank’s homepage says it is Australia’s only bank built for small and medium businesses, and it prints the Financial Claims Scheme line: deposits protected up to $250,000 for each account holder at Judo Bank. That is an APRA ADI file, not a fintech. Up is the consumer brand (deposits at Bendigo). AMP Bank is wealth. Archa is a credit card. Judo is SME deposits and lending. If you wanted a peach-coloured personal app, you are in the wrong review. If you wanted a named ADI for a company term deposit or a business loan, you are in the right one.
What it is
Judo launched into the post-Hayne SME-lending gap. Directories dump it into ‘Australian neobanks’ next to Xinja’s ghost. The FCS sentence is why it is here.
Best for: Australian small and medium businesses that want an ADI, not Up-for-companies theatre.
Last checked 2026-09-02. Not advice.
What it does well
- +FCS $250,000 printed on the homepage
- +Own ADI, not a partner
- +Built for SME, not a consumer clone
- +APRA
What to watch
- −Not a consumer current account
- −Not Up
- −Lending is the religion
- −Card rails are not the product
Legal entity, not the app icon
Who is behind it
- Legal name
- Judo Bank (ADI — confirm the live registered name on APRA’s list)
The product, not the brand colour
The account
- Platforms
- Web · banker + app
- Account types
- SME deposits and lending
- Partner bank
- Judo Bank
- Availability
- Australia
- Remote open
- Australian business KYC. Not a consumer App Store open.
- Salary / payroll
- This is an SME bank, not a personal salary app. Payroll for a company is a different question — confirm live.
- Local rails
- Australian ADI rails
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Business
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- No card rail listed
Licence first
Safety
Official homepage: under the Financial Claims Scheme, deposits are protected up to a limit of $250,000 for each account holder at Judo Bank. More: apra.gov.au/about-financial-claims-scheme.
Holder / issuer: Judo Bank
- APRAAuthorised deposit-taking institution — Judo Bank · Australia
Fees
- Monthly
- SME banking / lending tariffs — confirm live. Not a free consumer app.
- FX markup
- Not a travel product
- ATM
- Not the consumer ATM story
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- APRA ADI
- FCS $250k printed
- SME lending and deposits
- Relationship bankers
Before you tap Sign up
How to open
Step 1
Be an Australian SME
This is not Up. Relationship / digital apply on judo.bank.
Step 2
Name the ADI
Judo Bank. FCS $250,000 per account holder at this ADI.
Step 3
Read lending vs deposit
A loan is not a deposit. FCS is for eligible deposits.
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 8.6
- Fees20%
- 6.4
- Features15%
- 7.0
- App15%
- 6.8
- Global15%
- 3.0
- Support10%
- 8.0
Change log
Full logSafety
FCS $250,000 per account holder at Judo Bank
Official homepage. Built for SME, not a consumer current-account clone of Up.
Available in
Straight answers
FAQ
01Is Judo Bank a bank?
Judo Bank holds a banking-style licence (APRA). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Official homepage: under the Financial Claims Scheme, deposits are protected up to a limit of $250,000 for each account holder at Judo Bank. More: apra.gov.au/about-financial-claims-scheme.
03Where is Judo Bank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Judo Bank.
04Card and wallets?
No card rail listed
05Can I open Judo Bank remotely?
Australian business KYC. Not a consumer App Store open.
06What is the legal name behind Judo Bank?
Judo Bank (ADI — confirm the live registered name on APRA’s list). Read the entity on the statement, not the app icon.
07Can I receive salary on Judo Bank?
This is an SME bank, not a personal salary app. Payroll for a company is a different question — confirm live.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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