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).

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. This is what makes the “shopvesting” experience so seamless with Upstreet; it’s something you can “set and forget” for a while so your portfolio can grow.

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 the payment method 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.

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.

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.

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 support will be available?

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

The information in this website is prepared by ESC Operations Pty Ltd (ACN 635 424 538, AR 1283 677), who is an authorised representative of Cache Investment Management Pty Ltd (ACN 624 306 430 AFSL 514 360) (Cache). The Upstreet Fund is issued by Melbourne Securities Corporation Ltd (ACN 160 326 545, AFSL 428 289), as disclosed in the relevant product disclosure statement. 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 Target Market Determination and consider whether the product is right for you and whether you should obtain advice from a professional financial adviser.