Business Obligations.Fully Automated.

Connect Xero, see what's committed before it's spent, and automate the discipline that helps keep your business cashflow protected.Connect Xero, see what's committed before it's spent, and automate the discipline that helps keep your business cashflow protected.

Improve visibility over business cashflow
Automatically reserve for GST, PAYG and super
Make informed financial decisions with confidence

Get Started Book a Demo

WorkUp

Live with Xero

Account balance

Auto-separated obligations

−$52,600

GST collected

$21,400

PAYG withholding

$18,300

Super liability

$12,900

After Obligations

+8.2%

vs last week

Tax obligations automated

WorkUp

Business · Virtual

Active

•••• •••• •••• 4827

Cardholder

James Sullivan

Budget

$2,500/mo

Visibility powered by

Business Accounts

Separate obligations before they get spent.

Business accounts that automatically organise your funds - Everyday, Tax, Super and more.WorkUp Business Accounts automatically organise your funds into purpose-built accounts for tax and super, helping keep obligations visible and separated.

Learn more

Automated Obligations

Runs daily

From

Business Everyday

$137,820

+$4,200

+$1,800

Taxes (GST & PAYG)

$39,700

Superannuation

$12,900

After obligations

$137,820

Estimated Obligations

Reserved

$52,600.00

Taxes 75%Super 25%

Taxes (GST & PAYG)

$39,700.00

Superannuation

$12,900.00

100% allocated. Company income tax on profits not included.

Cards with Budgets

Control team spending with built-in budgets.

Set spending limits per employee, per team, or per project - and see every transaction in real time.

Per-employee spending limits
Real-time transaction visibility
Instant freeze and controls

Learn more

WorkUp

Business · Virtual

Active

•••• •••• •••• 4821

Cardholder

James Sullivan

Budget

$2,500/mo

WorkUp

•••• 7293

Cardholder

Ethan Carter

Budget

$250/pw

WorkUp

•••• 5104

Cardholder

Oliver Bennett

Budget

Unlimited

WorkUp

•••• 4821

Cardholder

James Sullivan

Budget

$2,500/mo

Spend Control

This month

Ethan Carter

$1,840 / $2,500

Oliver Bennett

$920 / Unlimited

James Sullivan

$1,480 / $1,500Near limit

Recent Activity

Bunnings Warehouse

Supplies · 2m ago

-$142.50

Woolworths

Groceries · 1h ago

-$89.00

Tim Adams Coffee

Meals · 3h ago

-$34.20

3 cards active

Total spent$4,240

Automations

Auto rules

Create rules, then pause, edit or delete anytime.

Live with Xero

Auto transfer

Rule type

TaxesSuper

Percentage

Value must be between 1 and 100.

Description (optional)

Rules execute automatically at midnight.

Automation Rules

Automate the discipline you always needed.

Set rules that automatically organise tax, super and cashflow in the background.Set rules that automatically organise tax, super, and cashflow. WorkUp runs silently in the background so obligations are always handled - without manual effort.

Auto-organise GST & PAYG on reconciliation
Move super before it's due
Custom rules for your workflow

Learn more

Your balance is not your real cash.

GST, super and payroll quietly consume your account balance. WorkUp shows what's truly available - before obligations become surprises.

Supported payment methods

EFT Transfer

BSB + account number

BPAY

BPAY®

Biller code + reference number

Internal Transfers

Between connected accounts

ABA Batch Payments

.aba file support

Platform

Everything working together.

WorkUp brings together smart business accounts, estimated tax visibility, super tracking, automation rules, Xero integration and budget-controlled cards.

Business Accounts

Business accounts with BSB and account numbers to receive income, manage spending and organise obligations automatically.

Business Accounts

Business accounts with BSB and account numbers to receive income, manage spending and organise obligations automatically.

Learn more

Obligation Engine™

Real-time visibility into GST, PAYG and super obligations.

Obligation Engine™

Real-time visibility into GST, PAYG and super obligations.

Learn more

Automation Rules

Create smart rules to organise tax, super and cashflow automatically.

Automation Rules

Create smart rules to organise tax, super and cashflow automatically.

Learn more

Cards with Budgets

Create debit cards with budgets to control spending across your team.

Cards with Budgets

Create debit cards with budgets to control spending across your team.

Learn more

Xero Integration

Reconciled data drives visibility.

Xero Integration

Reconciled data drives visibility.

Learn more

All in one plan

Every product, every feature - included from day one. Pricing scales with your transaction volume.

See pricing

The Difference

Traditional vs WorkUp

Traditional
Accounts

WorkUp Business
Accounts

One account for everything

Dedicated Business Accounts

Taxes mixed with operating cash

Taxes organised separately

Super builds up in the background

Super visible as it grows

One balance hides obligations

See committed money and after obligations

Manual transfers and spreadsheets

Automation rules handle allocations

BAS surprises

Better visibility before obligations fall due

Traditional vs WorkUp

Traditional Finance

WorkUp

One account for everything

Dedicated Business Accounts

Taxes mixed with operating cash

Taxes organised separately

Super builds up in the background

Super visible as it grows

One balance hides obligations

See committed money and after obligations

Manual transfers and spreadsheets

Automation rules handle allocations

BAS surprises

Better visibility before obligations fall due

Who it's for

Built for businesses that need financial clarity.

From hospitality venues to trades and growing teams - WorkUp gives businesses a clearer view of their total balance and obligations before problems build up.