Park it · Savings · HISA
The Best Savings Accounts in Australia
Ranked by total rate, every bonus condition in plain English.
SORT: TOTAL RATE
Bank & Account
Base
Bonus
Total p.a.
Bonus to
Conditions
0.01
5.74
5.75%
$100k
GROW BAL
5 TXNS
MIN DEP
Grow Bal. In prior month, dep. 1000 + 5 cleared card transactions + grow SM balance (exclude current month interest). Bonus up to $100k. In app, very easy to see if you have qualified for bonus interest. Need linked OE account. Savings Maximiser will no longer be available for new applications from 1 December 2026.
5.75%
Base 0.01
Bonus 5.74
Up to $100k
GROW BAL
5 TXNS
MIN DEP
Grow Bal. In prior month, dep. 1000 + 5 cleared card transactions + grow SM balance (exclude current month interest). Bonus up to $100k. In app, very easy to see if you have qualified for bonus interest. Need linked OE account. Savings Maximiser will no longer be available for new applications from 1 December 2026.
2.50
3.15
5.65%
$500k
GROW BAL
Grow Bal. by $100 or more each month (excluding interest). Bonus applies on balances up to $500K. Requires active Orange Everyday account in same name. Base rate of 2.50% p.a. applies on balances up to $2 million. No interest applies to any portion of an account balance over $2 million. Requires an active Orange Everyday account in the same name.
5.65%
Base 2.50
Bonus 3.15
Up to $500k
GROW BAL
Grow Bal. by $100 or more each month (excluding interest). Bonus applies on balances up to $500K. Requires active Orange Everyday account in same name. Base rate of 2.50% p.a. applies on balances up to $2 million. No interest applies to any portion of an account balance over $2 million. Requires an active Orange Everyday account in the same name.
MOVE Growth Saver
MOVE Bank
0.10
5.55
5.65%
$25k
MIN DEP
Dep. $200, no withdrawals. Bonus up to $25k.
MOVE Growth Saver
MOVE Bank
5.65%
Base 0.10
Bonus 5.55
Up to $25k
MIN DEP
Dep. $200, no withdrawals. Bonus up to $25k.
0.05
5.60
5.65%
$250k
5 TXNS
MIN DEP
Dep. 1000 into linked Everyday acct & 5 eligible transactions. Bonus in 1st month, must earn for subsequent months. Age restricted. Available only to customers 36+ years of age.
5.65%
Base 0.05
Bonus 5.60
Up to $250k
5 TXNS
MIN DEP
Dep. 1000 into linked Everyday acct & 5 eligible transactions. Bonus in 1st month, must earn for subsequent months. Age restricted. Available only to customers 36+ years of age.
2.00
3.60
5.60%
$250k
5 TXNS
Make 5 eligible qualifying debit card purchases in a month. No withdrawals from Saver. Earn Grow Rate on first $250K of total eligible Savers balances, Flow Rate on remainder. Need linked Everyday Account. Grow Rate (5.60%) on Savers not withdrawn from, Flow Rate (2.00%) on Savers you spend/withdraw from. Up and 2Up Essentials Savers earn Grow Rate up to $5K balance, Flow Rate above that.
5.60%
Base 2.00
Bonus 3.60
Up to $250k
5 TXNS
Make 5 eligible qualifying debit card purchases in a month. No withdrawals from Saver. Earn Grow Rate on first $250K of total eligible Savers balances, Flow Rate on remainder. Need linked Everyday Account. Grow Rate (5.60%) on Savers not withdrawn from, Flow Rate (2.00%) on Savers you spend/withdraw from. Up and 2Up Essentials Savers earn Grow Rate up to $5K balance, Flow Rate above that.
0.05
5.55
5.60%
$1M
MIN DEP
Dep. $2k to SpendMe. Requires SpendMe. Bonus up to $1M. App only. Part of BOQ for $250k Gov. Guarantee. SpendMe account required. $2k dep must go to SpendMe, can be withdrawn. MeGo app required.
5.60%
Base 0.05
Bonus 5.55
Up to $1M
MIN DEP
Dep. $2k to SpendMe. Requires SpendMe. Bonus up to $1M. App only. Part of BOQ for $250k Gov. Guarantee. SpendMe account required. $2k dep must go to SpendMe, can be withdrawn. MeGo app required.
Judo Bank Personal Savings Account
Judo Bank
0.05
5.55
5.60%
$250k
MIN DEP
Almost no hoops. The only requirement being to deposit $300 each month. No withdrawal penalties. 5.10% total rate for balances between $250,001 and $2,000,000. Base rate only (0.05%) above $2,000,000.
Judo Bank Personal Savings Account
Judo Bank
5.60%
Base 0.05
Bonus 5.55
Up to $250k
MIN DEP
Almost no hoops. The only requirement being to deposit $300 each month. No withdrawal penalties. 5.10% total rate for balances between $250,001 and $2,000,000. Base rate only (0.05%) above $2,000,000.
AMP GO Save
AMP
5.50
0.00
5.50%
$5M
NO HOOPS
No hoops. Max rate up to $50k, lower rate above that up to $5m.
AMP GO Save
AMP
5.50%
Base 5.50
Bonus 0.00
Up to $5M
NO HOOPS
No hoops. Max rate up to $50k, lower rate above that up to $5m.
RaboBank Premium Saver
Rabobank
3.75
1.65
5.40%
$250k
GROW BAL
Grow Bal by $200 - per month. Bal <=250k for max rate; substantially lower rate over that balance. Grow Bal. by 200 - per month.
RaboBank Premium Saver
Rabobank
5.40%
Base 3.75
Bonus 1.65
Up to $250k
GROW BAL
Grow Bal by $200 - per month. Bal <=250k for max rate; substantially lower rate over that balance. Grow Bal. by 200 - per month.
St George Incentive Saver
Bank of Sydney
0.01
5.39
5.40%
$250k
GROW BAL
Grow Bal. by $50 (>=21 yo) or $0.01 (< 21yo) & bal. stays above zero. Same product at BankSA and Bank of Melbourne. Ability to open multiple accounts. Part of the Westpac Group for government Guarantee. Uncapped saving, interest calculated on total balance with no limit on deposit amounts.
St George Incentive Saver
Bank of Sydney
5.40%
Base 0.01
Bonus 5.39
Up to $250k
GROW BAL
Grow Bal. by $50 (>=21 yo) or $0.01 (< 21yo) & bal. stays above zero. Same product at BankSA and Bank of Melbourne. Ability to open multiple accounts. Part of the Westpac Group for government Guarantee. Uncapped saving, interest calculated on total balance with no limit on deposit amounts.
2.35
3.00
5.35%
$5k
NO HOOPS
No hoops. Max rate on first $5k, 2.35% on rest of balance. The ANZ Plus Flex Saver does not come with a linked Visa Debit card however payment capability includes PayTo, Pay Anyone, BPAY, Direct Debit and PayID. Requires existing ANZ Plus spend account and ANZ Plus Growth Saver account. Application may require a selfie & photos of licence or passport in app. NSW Photo Id not accepted.
5.35%
Base 2.35
Bonus 3.00
Up to $5k
NO HOOPS
No hoops. Max rate on first $5k, 2.35% on rest of balance. The ANZ Plus Flex Saver does not come with a linked Visa Debit card however payment capability includes PayTo, Pay Anyone, BPAY, Direct Debit and PayID. Requires existing ANZ Plus spend account and ANZ Plus Growth Saver account. Application may require a selfie & photos of licence or passport in app. NSW Photo Id not accepted.
Suncorp Growth Saver
Suncorp
0.10
5.25
5.35%
—
GROW BAL
Grow Bal. by $200 and max 1 withdrawal per month. Very low rate if 'bonus' requirement not met. Max 1 withdrawal per month.
Suncorp Growth Saver
Suncorp
5.35%
Base 0.10
Bonus 5.25
Up to —
GROW BAL
Grow Bal. by $200 and max 1 withdrawal per month. Very low rate if 'bonus' requirement not met. Max 1 withdrawal per month.
0.10
5.25
5.35%
—
GROW BAL
Grow Bal. by $100 or more per month excluding interest. Requires existing ANZ Plus Everyday account. Application process may require a selfie & photos of licence or passport in app. NSW Photo Id not accepted.
5.35%
Base 0.10
Bonus 5.25
Up to —
GROW BAL
Grow Bal. by $100 or more per month excluding interest. Requires existing ANZ Plus Everyday account. Application process may require a selfie & photos of licence or passport in app. NSW Photo Id not accepted.
MOVE Bonus Saver
RACQ Bank
0.10
5.25
5.35%
$250k
MIN DEP
Dep. 200, no withdrawals. Bonus up to $250k.
MOVE Bonus Saver
RACQ Bank
5.35%
Base 0.10
Bonus 5.25
Up to $250k
MIN DEP
Dep. 200, no withdrawals. Bonus up to $250k.
:ubank Save Account
ubank
0.00
5.35
5.35%
$1M
GROW BAL
Flat int rate up to $1M. Grow total Save bal by at least $1 (excluding linked offsets and excluding any interest credits). Must also hold a Spend account. Application process may require a selfie & photos of licence or passport in app. Honeymoon rate is Welcome Bonus Rate of additional 0.90% p.a. on top of Everyday Bonus Rate for new customers joining from 9 Oct 2026, up to 4 months.
:ubank Save Account
ubank
5.35%
Base 0.00
Bonus 5.35
Up to $1M
GROW BAL
Flat int rate up to $1M. Grow total Save bal by at least $1 (excluding linked offsets and excluding any interest credits). Must also hold a Spend account. Application process may require a selfie & photos of licence or passport in app. Honeymoon rate is Welcome Bonus Rate of additional 0.90% p.a. on top of Everyday Bonus Rate for new customers joining from 9 Oct 2026, up to 4 months.
easystreet Flex Saver
easystreet (a division of CUA)
5.30
0.00
5.30%
$3M
NO HOOPS
No hoops. Interest applies to balances up to $3M.
easystreet Flex Saver
easystreet (a division of CUA)
5.30%
Base 5.30
Bonus 0.00
Up to $3M
NO HOOPS
No hoops. Interest applies to balances up to $3M.
Bankwest Easy Saver
Bankwest
5.25
0.00
5.25%
$250k
NO HOOPS
No hoops. On balances up to $250K. Requires linked Easy Transaction Account. 5.25% p.a. ongoing standard variable rate on balances up to $250,000.99, 2.35% p.a. on $250,001+. Introductory rate: 6.00% p.a. for first 4 months up to $250,000.99, 5.05% p.a. on $250,001+. Not eligible for intro rate if had an Easy Saver with an intro rate that expired within last 2 years.
Bankwest Easy Saver
Bankwest
5.25%
Base 5.25
Bonus 0.00
Up to $250k
NO HOOPS
No hoops. On balances up to $250K. Requires linked Easy Transaction Account. 5.25% p.a. ongoing standard variable rate on balances up to $250,000.99, 2.35% p.a. on $250,001+. Introductory rate: 6.00% p.a. for first 4 months up to $250,000.99, 5.05% p.a. on $250,001+. Not eligible for intro rate if had an Easy Saver with an intro rate that expired within last 2 years.
Great Southern Bank Home Saver
Great Southern Bank
0.50
4.75
5.25%
$100k
5 TXNS
MIN DEP
Dep. 2000 into Everyday Edge account & 5 settled Visa debit purchases. Bonus up to $100k. Very low rate if 'bonus' requirement not met. 18+ years old.
Great Southern Bank Home Saver
Great Southern Bank
5.25%
Base 0.50
Bonus 4.75
Up to $100k
5 TXNS
MIN DEP
Dep. 2000 into Everyday Edge account & 5 settled Visa debit purchases. Bonus up to $100k. Very low rate if 'bonus' requirement not met. 18+ years old.
P&N Savvy Saver
P&N Bank
0.20
5.05
5.25%
$100k
5 TXNS
MIN DEP
Dep. $500 into linked Access Account (required) plus 5 cleared Visa purchases. Bonus up to $100k.
P&N Savvy Saver
P&N Bank
5.25%
Base 0.20
Bonus 5.05
Up to $100k
5 TXNS
MIN DEP
Dep. $500 into linked Access Account (required) plus 5 cleared Visa purchases. Bonus up to $100k.
0.20
5.05
5.25%
$100k
5 TXNS
MIN DEP
Dep. $500 into linked "Access" Account and 5+ card purchases. Bonus up to $100k. Needs linked Access Account. If balance >$100k, only standard rate applied.
5.25%
Base 0.20
Bonus 5.05
Up to $100k
5 TXNS
MIN DEP
Dep. $500 into linked "Access" Account and 5+ card purchases. Bonus up to $100k. Needs linked Access Account. If balance >$100k, only standard rate applied.
Commonwealth Bank GoalSaver
Commonwealth Bank
0.10
5.15
5.25%
—
GROW BAL
MIN DEP
Grow Bal. Make at least one deposit & have higher balance at end of calendar month than start (excluding interest and bank-initiated transactions). Grow balance. Deposit required plus end balance must be higher than start balance. Same bonus rate applies to all balance tiers.
Commonwealth Bank GoalSaver
Commonwealth Bank
5.25%
Base 0.10
Bonus 5.15
Up to —
GROW BAL
MIN DEP
Grow Bal. Make at least one deposit & have higher balance at end of calendar month than start (excluding interest and bank-initiated transactions). Grow balance. Deposit required plus end balance must be higher than start balance. Same bonus rate applies to all balance tiers.
NAB Reward Saver
NAB
0.01
5.24
5.25%
—
1 TXNS
MIN DEP
Make at least one deposit (any amount) on or before the second last banking day of the month, and no withdrawals during the month. No maximum balance limit stated for bonus interest. Rates effective Friday 9 October 2026.
NAB Reward Saver
NAB
5.25%
Base 0.01
Bonus 5.24
Up to —
1 TXNS
MIN DEP
Make at least one deposit (any amount) on or before the second last banking day of the month, and no withdrawals during the month. No maximum balance limit stated for bonus interest. Rates effective Friday 9 October 2026.
Bank Australia Bonus Saver
Bank Australia
0.10
5.00
5.10%
$100k
MIN DEP
Deposit $100+ a month. No withdrawals. The rate is for balances up to $100k. Rate drops to 0.10% if conditions aren't met.
Bank Australia Bonus Saver
Bank Australia
5.10%
Base 0.10
Bonus 5.00
Up to $100k
MIN DEP
Deposit $100+ a month. No withdrawals. The rate is for balances up to $100k. Rate drops to 0.10% if conditions aren't met.
5.05
0.00
5.05%
$5M
NO HOOPS
No hoops. Tiered rates: $0-$250k 5.05% p.a., $250k-$500k 5.05% p.a., $500k-$2M 5.05% p.a., $2M-$5M 2.95% p.a. No monthly requirements. Tiered rates apply: $0-$250k 5.05%, $250k-$500k 5.05%, $500k-$2M 5.05%, $2M-$5M 2.95%. No ING fees, no lock-in terms or minimum withdrawal amounts. Combined total deposits across all Savings Accelerator accounts shouldn't exceed $5 million.
5.05%
Base 5.05
Bonus 0.00
Up to $5M
NO HOOPS
No hoops. Tiered rates: $0-$250k 5.05% p.a., $250k-$500k 5.05% p.a., $500k-$2M 5.05% p.a., $2M-$5M 2.95% p.a. No monthly requirements. Tiered rates apply: $0-$250k 5.05%, $250k-$500k 5.05%, $500k-$2M 5.05%, $2M-$5M 2.95%. No ING fees, no lock-in terms or minimum withdrawal amounts. Combined total deposits across all Savings Accelerator accounts shouldn't exceed $5 million.
RACQ Bank Bonus Saver
RACQ Bank
0.01
5.00
5.01%
$100k
MIN DEP
Dep. $100 per month, no withdrawals. Full rate up to $100k. Very low rate if 'bonus' requirement not met.
RACQ Bank Bonus Saver
RACQ Bank
5.01%
Base 0.01
Bonus 5.00
Up to $100k
MIN DEP
Dep. $100 per month, no withdrawals. Full rate up to $100k. Very low rate if 'bonus' requirement not met.
Macquarie Savings Account
Macquarie
5.00
0.00
5.00%
$2M
NO HOOPS
No hoops. For amounts up to $2M; over that 2.75%. Need linked Macquarie Transaction account. Interest is paid on the portion of the balance that falls within each band.
Macquarie Savings Account
Macquarie
5.00%
Base 5.00
Bonus 0.00
Up to $2M
NO HOOPS
No hoops. For amounts up to $2M; over that 2.75%. Need linked Macquarie Transaction account. Interest is paid on the portion of the balance that falls within each band.
MyState Hello Saver
MyState
5.00
0.00
5.00%
$100k
NO HOOPS
No hoops. Up to $100k. Poor rate beyond that. Welcome rate for new customers only, applies for first 4 months on balances up to $100k.
MyState Hello Saver
MyState
5.00%
Base 5.00
Bonus 0.00
Up to $100k
NO HOOPS
No hoops. Up to $100k. Poor rate beyond that. Welcome rate for new customers only, applies for first 4 months on balances up to $100k.
Westpac Life
Westpac
0.10
4.90
5.00%
—
GROW BAL
MIN DEP
Grow Bal. Make a deposit. Ensure balance is higher at the end than the beginning. Keep balance above $0 at all times. Must hold a Westpac everyday account. Requires linked Westpac Choice or other Westpac everyday account. $50 cashback offer for new customers opening Choice + Life/eSaver between 9 June and 30 Sep 2026 (excluded as short-term signup bonus).
Westpac Life
Westpac
5.00%
Base 0.10
Bonus 4.90
Up to —
GROW BAL
MIN DEP
Grow Bal. Make a deposit. Ensure balance is higher at the end than the beginning. Keep balance above $0 at all times. Must hold a Westpac everyday account. Requires linked Westpac Choice or other Westpac everyday account. $50 cashback offer for new customers opening Choice + Life/eSaver between 9 June and 30 Sep 2026 (excluded as short-term signup bonus).
MyState Bonus Saver
MyState
0.05
4.95
5.00%
$500k
5 TXNS
MIN DEP
Dep. $20 per month into Bonus Saver Account + 5 VISA Debit card transactions from linked MyState Glide account. Need linked MyState Glide Account.
MyState Bonus Saver
MyState
5.00%
Base 0.05
Bonus 4.95
Up to $500k
5 TXNS
MIN DEP
Dep. $20 per month into Bonus Saver Account + 5 VISA Debit card transactions from linked MyState Glide account. Need linked MyState Glide Account.
Regional Australia Bank Savings Booster
Regional Australia Bank
0.00
5.00
5.00%
$250k
MIN DEP
Dep. $100+ a month. No withdrawals. Rate for balances up to $250k.
Regional Australia Bank Savings Booster
Regional Australia Bank
5.00%
Base 0.00
Bonus 5.00
Up to $250k
MIN DEP
Dep. $100+ a month. No withdrawals. Rate for balances up to $250k.
3.00
1.95
4.95%
—
NO HOOPS
No hoops. Tiered. Bal. up to $50k: 3%; From $50k-$500k: 4.85%; From $500k+: 4.95%.
4.95%
Base 3.00
Bonus 1.95
Up to —
NO HOOPS
No hoops. Tiered. Bal. up to $50k: 3%; From $50k-$500k: 4.85%; From $500k+: 4.95%.
0.25
4.70
4.95%
$500k
GROW BAL
Grow Bal by $250 (excl. interest) by end of calendar month. Bonus applies to first $500k. Max ongoing balance per customer is $5,000,000. Above $500k, standard rate only applies.
4.95%
Base 0.25
Bonus 4.70
Up to $500k
GROW BAL
Grow Bal by $250 (excl. interest) by end of calendar month. Bonus applies to first $500k. Max ongoing balance per customer is $5,000,000. Above $500k, standard rate only applies.
Southern Cross Credit Union Star Saver
Southern Cross Credit Union
1.00
3.90
4.90%
—
GROW BAL
Grow Bal. Bonus interest paid where the account balance increases by at least $100 for the calendar month. Star Saver account must be linked to Easy Access transaction account which may incur a monthly fee if requirements are not met.
Southern Cross Credit Union Star Saver
Southern Cross Credit Union
4.90%
Base 1.00
Bonus 3.90
Up to —
GROW BAL
Grow Bal. Bonus interest paid where the account balance increases by at least $100 for the calendar month. Star Saver account must be linked to Easy Access transaction account which may incur a monthly fee if requirements are not met.
Great Southern Bank Future Saver
Great Southern Bank
0.10
4.75
4.85%
$500k
GROW BAL
Grow Bal. by $250 in current month. 3.40% over $500k (see website). Very high max balance for bonus rates. Very low rate if 'bonus' requirement not met.
Great Southern Bank Future Saver
Great Southern Bank
4.85%
Base 0.10
Bonus 4.75
Up to $500k
GROW BAL
Grow Bal. by $250 in current month. 3.40% over $500k (see website). Very high max balance for bonus rates. Very low rate if 'bonus' requirement not met.
Australian Military Bank Online Saver
Australian Military Bank
0.10
4.75
4.85%
$500k
No withdrawals in calendar month. Bonus for balances $0-$500k.
Australian Military Bank Online Saver
Australian Military Bank
4.85%
Base 0.10
Bonus 4.75
Up to $500k
No withdrawals in calendar month. Bonus for balances $0-$500k.
Defence Bank Max eSaver
Defence Bank
4.85%
Base 0.10
Bonus 4.75
Up to $1M
GROW BAL
Grow Bal, no withdrawals.
Bendigo Reward Saver
Bendigo
0.10
4.65
4.75%
$100k
GROW BAL
MIN DEP
Grow Bal. & make at least 1 deposit per month. Bonus up to $100k.
Bendigo Reward Saver
Bendigo
4.75%
Base 0.10
Bonus 4.65
Up to $100k
GROW BAL
MIN DEP
Grow Bal. & make at least 1 deposit per month. Bonus up to $100k.
Peoples Choice Dream Fund
People's Choice
0.01
4.74
4.75%
$100k
GROW BAL
Grow Bal. by 1c, 3.90% for balances > $100k. Very low rate if 'bonus' requirement not met.
Peoples Choice Dream Fund
People's Choice
4.75%
Base 0.01
Bonus 4.74
Up to $100k
GROW BAL
Grow Bal. by 1c, 3.90% for balances > $100k. Very low rate if 'bonus' requirement not met.
MOVE Online Saver
MOVE Bank
4.70
0.00
4.70%
—
NO HOOPS
No hoops. Very high maximum amount, no fees or hoops. Deposits over $2M subject to acceptance criteria and negotiation.
MOVE Online Saver
MOVE Bank
4.70%
Base 4.70
Bonus 0.00
Up to —
NO HOOPS
No hoops. Very high maximum amount, no fees or hoops. Deposits over $2M subject to acceptance criteria and negotiation.
0.05
4.55
4.60%
$500k
4 TXNS
4 settled Visa Debit card purchases per month on linked SpendME account. Bonus up to $500k combined balance. Need linked SpendME Transaction account. Bonus applicable on multiple SaveME accounts up to $500K combined. MeGo app required. New customers earn bonus in first month automatically.
4.60%
Base 0.05
Bonus 4.55
Up to $500k
4 TXNS
4 settled Visa Debit card purchases per month on linked SpendME account. Bonus up to $500k combined balance. Need linked SpendME Transaction account. Bonus applicable on multiple SaveME accounts up to $500K combined. MeGo app required. New customers earn bonus in first month automatically.
Bank Orange Online Saver Account
Bank Orange (Orange Credit Union)
0.00
4.60
4.60%
—
NO HOOPS
No hoops. 4.60% p.a. ongoing interest rate from 1k to unlimited. 0% on the first 1k.
Bank Orange Online Saver Account
Bank Orange (Orange Credit Union)
4.60%
Base 0.00
Bonus 4.60
Up to —
NO HOOPS
No hoops. 4.60% p.a. ongoing interest rate from 1k to unlimited. 0% on the first 1k.
Heartland Bank MySavings Account
Heartland Bank
4.55
0.00
4.55%
—
NO HOOPS
No hoops. 4.55% up to $300K; 4.55% next tier up to $2M; 1.5% above $2M. Variable rate applies to entire balance based on tier. Tier 1: 4.55% ($0-$300K), Tier 2: 4.55% ($300K-$2M), Tier 3: 1.50% (>$2M).
Heartland Bank MySavings Account
Heartland Bank
4.55%
Base 4.55
Bonus 0.00
Up to —
NO HOOPS
No hoops. 4.55% up to $300K; 4.55% next tier up to $2M; 1.5% above $2M. Variable rate applies to entire balance based on tier. Tier 1: 4.55% ($0-$300K), Tier 2: 4.55% ($300K-$2M), Tier 3: 1.50% (>$2M).
Unity Bank MoneyMAX Account
Unity Bank
4.50
0.00
4.50%
—
NO HOOPS
No hoops. Has BPay and external transfers from account. $5 monthly fee - exempt when membership balance is over $5,000. Interest rate applies to account balances over $1.
Unity Bank MoneyMAX Account
Unity Bank
4.50%
Base 4.50
Bonus 0.00
Up to —
NO HOOPS
No hoops. Has BPay and external transfers from account. $5 monthly fee - exempt when membership balance is over $5,000. Interest rate applies to account balances over $1.
AMP Cash Manager
AMP
4.50
0.00
4.50%
$250k
NO HOOPS
No hoops. 0% on up to $10k bal, 4.50% on $10k-$250k, lower rates above that. No fees, no minimum balance. AMP Cash Manager account. Interest rate applies to the whole balance once a given tier is reached. Interest accrues daily, paid on first day of following month.
AMP Cash Manager
AMP
4.50%
Base 4.50
Bonus 0.00
Up to $250k
NO HOOPS
No hoops. 0% on up to $10k bal, 4.50% on $10k-$250k, lower rates above that. No fees, no minimum balance. AMP Cash Manager account. Interest rate applies to the whole balance once a given tier is reached. Interest accrues daily, paid on first day of following month.
Virgin Money Boost Saver
Virgin Money
0.05
3.90
3.95%
$250k
5 TXNS
MIN DEP
Dep. 1000 to Go account + 5 purchases/direct debits/BPAYs, settled in previous month. No criteria if under 18yo. No EFTPOS. Bonus paid up to 250k. Additional 0.30% p.a. available with Lock Saver Feature (32 day notice period to access funds), total 4.25% p.a. Note: part of BoQ (affects Govt G'tee).
Virgin Money Boost Saver
Virgin Money
3.95%
Base 0.05
Bonus 3.90
Up to $250k
5 TXNS
MIN DEP
Dep. 1000 to Go account + 5 purchases/direct debits/BPAYs, settled in previous month. No criteria if under 18yo. No EFTPOS. Bonus paid up to 250k. Additional 0.30% p.a. available with Lock Saver Feature (32 day notice period to access funds), total 4.25% p.a. Note: part of BoQ (affects Govt G'tee).
HISA accounts are a type of savings account that offer a higher interest rate than standard savings accounts, often with bonus rates for meeting certain conditions. They are designed to help you grow your savings faster.
The data is updated regularly and automatically with the latest rates and offers. However, you should always double-check with the bank's website before making any decisions.
Total rates shown in green have been checked or updated within the last 30 days. Tap a row's conditions to read the full bonus requirements in plain English.