As Ubank only allows one Usaver and one Ultra account to be linked and receive bonus interest. It would be good to have 'sub-accounts' or sub-balances or baskets or some other categorising term.
Basically, within the one Usaver account allow users to divide their money towards different goals, for example home deposit, car, holiday, insurances. As far as Ubank is concerned the total balance of these sub-accounts would be the main one, all sub-accounts could have the same bsb and account number as the main account.
Unfortunately the 'my money saving goal' only allows one goal per account which is very limiting.
The suncorp bank offers up to 9 linked sub accounts but it gives each of those its own account number which I don't think is necessary, another thing to keep track of.
One combined balance to gain interest, with sub-balances to set multiple savings goals. With option to set specific amounts or even divide the balances by percentages would be a good option.
This is a great suggestion and is something that which can be of benefit to customers. I've forwarded your feedback on to see if this may be possible with future updates and if there are any changes then we will announce this through our website and social media. ^TK