Are there really no fees?

Absolutely, there’s nothing for you to pay beyond the shopping you’re already doing. We won’t charge fees or commissions for managing your portfolio or anything else. Certain costs may apply depending on the investment option, such as fees charged by underlying ETF fund managers and transactional and operational costs. Please see the PDS for more details.


What support will be available?

You can email us on or call us for any urgent matters on 1300 004 256.


What is an Exchange Traded Fund (ETF)?

An exchange traded fund (ETF) is a basket of shares from various companies, which can be bought and sold on an exchange. ETFs are typically grouped based on a specific theme or characteristic. On Upstreet you may receive fractional share rewards that are in the form of an ETF. The ETFs on our platform are as follows: FAIR, FANG, IOZ


What if my bank account won't connect?

Bank linking is an important part of having a seamless experience on Upstreet. If your bank won’t connect (or has recently stopped connecting), there are a few possible solutions you can try. You can also contact support if you need further assistance.


Why do you need my bank details?

If you link the cards and accounts you shop with, we can ensure you receive your fractional share rewards automatically after shopping with a particular brand using that account.


Is there a minimum spend before I start earning shares?

No, there’s no minimum. Every eligible purchase will earn you a reward in fractional shares. How many shares or what fraction of a share you receive just depends on how much you spend and what the current share price is.


How have you made it possible to offer fractional shares?

We purchase whole shares for our customers and put them into a unit trust on your behalf. When you're rewarded for a purchase, you'll receive units in that trust (which means you'll hold a fractional interest in the underlying shares).


Who can open an Upstreet account?

You need to be at least 18 years of age and a permanent resident of Australia for tax purposes.


Can I withdraw my earnings at any time?

Yes, you can make a withdrawal request at any time. There are no fees or penalties on withdrawals. However, holding on to your portfolio over time can be a great way to build its value. Simply fill out the Withdrawal form and email it to The form can also be found in the app under Settings. Limitations apply. See the PDS for more details.


How long will it take for my shares to appear in Upstreet?

The time between purchase and reward approval can vary between partner brands and banks; it will usually take 1-5 days.
If you made a purchase with a partner brand but haven’t received your share reward, please check if the payment method you used was linked in the Upstreet app. If you still haven’t received your reward after 5 days, please email: including a receipt of your purchase.


Can my account be locked?

An account may be locked temporarily if we notice unusual transactions on your account, there has been a problem with processing a transaction or we need to confirm some information with you. Contact support for more information: .


How do you handle my personal data?

We take your privacy seriously and treat your data with respect. You can read our Privacy Policy to understand our approach to data privacy. View our Privacy Policy.


How does this affect my income tax?

Any earnings on your investments are subject to taxes according to Australian tax laws. After the end of each financial year, we will send you a single annual tax statement by email known as an Attribution Managed Trust Member Annual (AMMA) statement. Before the end of the financial year we will also ask you to provide us with your TFN, so that we can pre-populate your gains and losses to the ATO. 
For further information please see the ATO’s detailed guidance to help individuals lodge their tax returns.


What credit or debit cards are eligible to be linked?

Not all debit and credit cards are eligible to be linked to your account. All determinations as to whether a card is eligible to be a Payment Card are at our sole discretion. Certain Mastercard and Visa cards are not eligible to be linked to your account, including, but not limited to, the following: prepaid cards, corporate cards, purchasing cards, Visa giftcards, store cards which can only be used at their respective retailers’ stores, government-administered prepaid cards, including Medicare and healthcare cards and cards that are not processed through the Visa payment system or the Mastercard payment system. In order to be eligible as a Payment Card, it must be issued by an Australian Financial Institution.



Why can’t I link my credit or debit card?

Please ensure that it is an Australian Visa or Mastercard debit or credit card. Also, if your card is linked with a cashback provider, you are unfortunately unable to link that card to your Upstreet account. In this case, you may disconnect your card from other accounts and then link it to your Upstreet account.


How does Upstreet secure my credit or debit card details?

Card details are not stored by Upstreet. During the registration process your card details are passed directly to either Visa or Mastercard alongside your Upstreet User ID.


How do I link my credit or debit card in the Upstreet app?

Open the Upstreet App and click on the ‘gear’ icon in the top right corner, followed by ‘Link card and bank account’. From here click the ‘+’ icon to link your card.


How long does it take to get on to Upstreet’s platform?

It takes approximately 1-6 weeks, depending on the level of IT integration desired.

Do you support Paypal Integration?

No, but customers can link their underlying bank and card details.

What are the steps to get on to the Upstreet platform?

Please complete the onboarding form here and we will get back to you within 24 hours on next steps.

How do I know how much in share rewards to give customers?

You can give as much or as little in share rewards as you like. When thinking about this, we ask that you consider your customer’s expectations. In some industries, customers expect a higher share reward percentage of 15-20%, whilst in other industries with lower margins, 2% might be an effective reward. We can help you figure this out.

What happens if the earned share reward’s value increases or decreases due to stock market fluctuations?

Your customer will experience that increase or decrease in their portfolio as they have a beneficial interest in the stock. All dividends and franking credits are passed on to the customer.

Will offering fractional share rewards be stacked on top of my existing price promotions?

If you wish to stack your rewards you are able to, but you do not need to. You can shift a portion of the marketing budget to Upstreet’s fractional share reward promotion. Also, to prevent “double dipping”, we can incorporate exceptions within the share rewards program.

How much does the customer need to pay for participating with Upstreet?

Nothing, customer participation in Upstreet is free to active users. An active user is one that has used the app in the last six months. After six months of inactivity, the user is charged $0.50 per month.

How much does it cost for companies to participate in Upstreet’s share reward program?

The fee for companies depends on a few factors, including: the number of customers being offered rewards and the dollar amount of reward given.

How is the Upstreet Fund structured?

The Upstreet Fund is structured as a unit trust. To run the fund, Upstreet is supported by multiple parties. (1) Fund Manager: Cache Investment Management, who manages and administers the Upstreet Fund. (2) Trustee: MSC, who issues interests in the fund to investors. (3) Custodian: Sandhurst - Bendigo Bank, who hold Upstreet’s funds shares on behalf of our users.  They meet significant capital requirements under ASIC RG 166.


I run a private company, what shares do I reward my customers with?

You can reward your customers with an ETF. We currently offer three ETFs through Upstreet, including: (1) A technology ETF (ASX: FANG) []. (2) A sustainability ETF (ASX: FAIR) []. (3) An ASX200 ETF (ASX: IOZ) []. If you wish to reward your customers with a different ETF, please let us know and we will try our best to offer this ETF.

What is an Exchange Traded Fund (ETF)?

An Exchange Traded Fund is an investment fund that holds a collection of assets like shares, commodities or bonds. As its name implies, ETFs are traded on exchanges like shares, so they can be bought and sold at any time during the trading day, unlike other types of investment funds.

I want to IPO in a few months, should I wait to join Upstreet?

There is no need to wait. We can offer your customers an ETF initially and then later switch to offering your company’s shares after 6 months from the IPO date (provided the relevant securities pass our liquidity and risk assessment review).


Is there a minimum market capitalisation for public businesses to offer their own shares as part of the rewards program?

Yes. We conduct a risk review of all public companies to ensure their shares have a suitable risk profile for inclusion in the Upstreet share reward program. Our fund is only able to hold the shares of public businesses that have a market capitalisation of over $100m and sufficient liquidity in the market.

Do I need to issue shares in my public business to facilitate the share reward program?

No, our share reward program is anti-dilutive. We purchase your business’s shares on the open market and distribute them to your customers.

Still have questions? Email us at

This website is operated by ESC Operations Pty Ltd (ACN 635 424 538, AR 1283 677) (Upstreet), who is an authorised representative of Cache Investment Management Pty Ltd (ACN 624 306 430 AFSL 514 360) (Cache). The financial products described on this website will be issued by third parties, as disclosed in the relevant PDS. All information is general information only and does not take into account your personal circumstances, financial situation or needs. Before making a financial decision, you should read the relevant product disclosure statement and consider whether the product is right for you and whether you should obtain advice from a professional financial adviser.