AMP Bank GO
AMP Bank rebuilt from a mortgages-and-savings lender into a transactional digital bank for Australia's solopreneurs, on Starling's Engine.
AMP Bank's mobile-first digital bank on Engine by Starling — Australia's first numberless small-business Mastercard debit cards, Spaces sub-accounts and fee-free FX.
- Who holds it
- The company itself — it holds a full banking licence — Australian ADI (AMP Bank Limited).
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from AMP Bank GO’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional · SMB & startups |
| HQ | Sydney, AU |
| Founded | 2025 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Australian ADI (AMP Bank Limited) |
| Card | Mastercard · Debit |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Oceania |
| Countries | Australia |
Verified links: official site ↗
Common questions about AMP Bank GO
What is AMP Bank GO?
AMP Bank GO is a fiat neobank built for SMB & startups, headquartered in Sydney, AU and founded in 2025. Your money is held custodially, so AMP Bank GO or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Australian ADI (AMP Bank Limited)).
Does AMP Bank GO have a card, and where can you use it?
It issues a Mastercard debit card. It is available in Oceania.
Does AMP Bank GO require KYC?
Yes. AMP Bank GO requires identity verification (KYC) to open an account, as a licensed bank.
Head-to-head
Peers
Wise · Up · Judo Bank · Hnry · Kit · Douugh
AMP Bank GO appears in
Neobanks that hold their own banking license (132) · Neobanks that require identity verification (334) · Neobanks available in Oceania (73) · Neobanks for small businesses and startups (33) · Neobanks that issue a Mastercard (150) · Neobanks in Australia (8)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.