There is no lowering of your rates if you have too much. It's just that the bonus interest rate only applies to the first $50k you have in your Saver accounts (

There is no lowering of your rates if you have too much. It's just that the bonus interest rate only applies to the first $50k you have in your Saver accounts (cumulative). I.e. if you have $51k, you'll only get the bonus interest rate on $50k of that. The remaining $1k only gets the base interest rate. You can see more on the pricing page [1] Disclosure: Up employee. Not financial advice, etc, etc. [1]: https://up.com.au/pricing/ https://up.com.au/pricing/