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Bank First · Savings accounts
Online Saver Account
Bank First's Online Saver Account is a savings account. The figures are the ones Bank First publishes under the Consumer Data Right today. The advertised rate last moved on 16 October 2026, up from 3.80% to 4.05%.
Advertised rate
4.05%
headline tier
Tiers
3
current rate rows
Last moved
+0.25pp
16 October 2026
Advertised rate, last 30 days. Between 3.80% and 4.05% over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Variable, up to $2,000Online Saver Account_Tier_1 | 0.05% |
| Variable, $2,000 to $150,000Online Saver Account_Tier_2 | 4.05% |
| Variable, $150,000 and overOnline Saver Account_Tier_3 | 4.05% |
Rate moves, last 30 days
- 16 October 2026: Variable, $150,000 and over lifted 0.25pp, from 3.80% to 4.05%.
Published fees
| Fee | Amount |
|---|---|
| Non- Individual Membership Establishment Feeupfront: Applies when a Non-Individual membership is established | $50 |
| Inactive Membership Feerecurring | $30 |
| Account Keeping Feesrecurring | $0 |
| Direct Debit Stop Requestwhen it happens | $9 |
| Direct Entry Return Feewhen it happens | $2.50 |
| Direct Debit Dishonour Feedishonour | $15 |
| Statement Requestper enquiry | $0 |
| Coin Handling Feewhen it happens: Handling of a coin deposit or withdrawal - $5 per every $100. | $5 |
| Overdrawn Account Feewhen it happens: Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and | $15 |
Other Bank First savings accounts
Strong Start Saver 5.65%Bonus Saver Account 5.25%First Home Bonus Saver Account 5.25%First Saver Account 4.65%Preschool Savings Account 4.55%
Get an email the morning Bank First moves this rate.
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