86 400

86 400 is the digital banking brand used by Australian fintech company 86 400 Ltd, offering banking services primarily through mobile app and online channels. The brand is characterized by no physical branches, digital account opening, and consumer-focused everyday banking products. Its business was later acquired by National Australia Bank (NAB) and integrated with UBank, and 86 400 ceased to operate as an independent brand. Due to insufficient available materials, no further details are provided regarding its exact founding year, founding team, specific product portfolio, or financial data.

86 400 Ltd was an Australian digital banking business that used 86 400 as its consumer-facing brand. It relied primarily on mobile and online channels rather than a traditional branch network, offering digital account management and selected lending products. National Australia Bank later acquired 86 400 and incorporated the business into the UBank brand and operating structure. As the integration progressed, 86 400 ceased to operate as an independent banking brand. Reliable material confirming the exact founding date, founders, early funding and detailed product chronology is not available here.

Mobile-first digital bank for Australian consumers

• Bank accounts

  Digital banking accounts

  The brand’s core offering was consumer everyday banking delivered through mobile and online channels, emphasizing digital account opening, account management and a branch-light experience.

• Savings

  Savings products

  The brand offered savings-oriented banking products for personal customers; specific account names, rates and product periods are not confirmed here.

• Loans

  Home loans

  Home lending was one of the major product lines associated with the digital banking business, delivered through online processes for Australian personal borrowers; specific terms and scale are not inferred.