86 400 (now part of NAB) was one of Australia's first neobanks, offering a smart mobile banking experience with real-time spending insights, automated savings, and competitive rates.
History and Background
86 400 was founded in 2018, making it 8 years old as of 2026. The company is headquartered in Sydney, Australia, Australia.
Since its launch, 86 400 has established itself as a significant player in the Australia fintech ecosystem. Operating as a digital bank, neobank, the company has built its reputation by providing accessible and reliable digital financial services to its growing user base. The platform continues to evolve its product offerings in response to the rapidly changing fintech landscape and increasing consumer demand for digital-first financial solutions.
Products and Services
As a digital bank, neobank, 86 400 offers a range of digital financial products and services designed to meet the everyday needs of its users. The platform leverages modern technology to deliver a seamless experience across mobile devices, making financial management more convenient and accessible.
Key services offered by 86 400 include:
- Digital banking accounts with instant setup and zero or low monthly fees
- Peer-to-peer money transfers and bank-to-bank transactions
- Bill payments for utilities, airtime top-up, and subscriptions
- Savings products with competitive interest rates
- Debit cards for online and in-store purchases
Regulation and Safety
86 400 is a licensed and regulated financial technology company, authorised by APRA. This means it operates under strict regulatory oversight, giving users an additional layer of protection and confidence when using its services.
Users are encouraged to verify the current regulatory status of 86 400 and any fintech platform before committing funds. You can use our Safety Checker tool to get an instant safety assessment of 86 400, which analyses licence status, user ratings, complaint history, and service availability.
Final Thoughts
86 400 continues to play an important role in the Australia fintech landscape. Whether you are looking for reliable digital financial services, need help resolving an issue with your account, or want to learn more about what the platform offers, this profile page is designed to give you all the essential information in one place. For the latest updates, always refer to the official 86 400 website and app.
If you have used 86 400, consider leaving a review below to help other users make informed decisions. You can also file a complaint through our Complaint Tracker if you have experienced any issues that need resolution.