Rates › Savings accounts
Rates · Savings accounts
Savings accounts: every current advertised rate
197 savings accounts from 76 lenders, highest rate first, each the figure its lender publishes under the Consumer Data Right today. 77 products restricted by occupation, employer or membership are left out and listed on the lender's page. Click a product for every rate, its 30-day history and its latest moves. How to read deposit rates.
Highest rate
6.25%
Revolut
Median rate
4.00%
across 197 products
Lenders
76
with a current rate
The highest rate, 6.25%, is 2.25 points above the median of 4.00% on this page; 5 lenders price within 0.25 points of it. In the last 30 days 49 lenders repriced a savings account: 2 cut a rate and 48 lifted one. The latest was Northern Inland Credit Union on 3 November 2026, lifting Ready Saver from 3.30% to 3.55%.
Every savings account rate (197)
| Lender | Product | Advertised rate | Conditions |
|---|---|---|---|
| Revolut Instant Access Savings | 6.25% | introductory rate: boosted promotional rate for 3 months on balances up to $50,000, available to new Revolut AU retail customers subject to specific... | |
 ING | Savings Booster | 6.25% | bonus rate: grow your account balance by at least $100 this month (not including any interest earned). |
| High Interest Savings Account | 6.15% | introductory rate: the Introductory Variable Rate is available for new customers for 4 months from the day the account is opened, after which the rate will... | |
 Bankwest | Bankwest Easy Saver | 6.00% | bonus rate: bonus rates available from time to time for selected customers, bonus rates applied may vary. |
 RACQ Bank | Bonus Saver Account | 6.00% | bonus rate: at least 1 deposit a month; deposit at least $100 a month |
 MOVE Bank | Growth Saver | 5.75% | bonus rate: bonus rate payable for a calendar month when the eligibility criteria below are met, in addition to the base rate. |
| ING | Savings Maximiser | 5.75% | bonus rate: when the criteria is met in a calendar month, the benefits and additional variable rate will apply in the next calendar month. |
 Regional Australia Bank | Savings Account | 5.70% | introductory rate: interest is per annum (p.a.). |
 MyState Bank | Hello Saver account | 5.65% | introductory rate: variable interest rate paid for the first four months for new customers |
| Strong Start Saver | 5.65% | ||
 BCU Bank | Bonus Saver | 5.55% | introductory rate: the Bonus Saver introductory interest rate applies for the first four months on daily closing balances from account opening date. |
 P&N Bank | Hi Saver Account | 5.55% | introductory rate: the Hi Saver introductory interest rate applies for the first four months on daily closing balances from account opening date. |
| High Interest Savings Account (Business) | 5.55% | introductory rate: the Introductory Variable Rate is available for new customers for 4 months from the day the account is opened, after which the rate will... | |
| High Interest Savings Account (Trust) | 5.55% | introductory rate: the Introductory Variable Rate is available for new customers for 4 months from the day the account is opened, after which the rate will... | |
 Judo Bank | Personal Savings Account | 5.55% | bonus rate: interest is calculated daily and paid monthly on your balance at a tiered interest rate. |
 Bank of Queensland | Simple Saver Account | 5.55% | bonus rate |
 NAB | NAB iSaver | 5.50% | bonus rate: introductory bonus margin is only available for a period of 4 months to customers who have not held a NAB iSaver in the last 12 months... |
| MOVE Bank | Bonus Saver | 5.45% | bonus rate: bonus rate payable for a calendar month when the eligibility criteria below are met, in addition to the base rate. |
 Bank of Melbourne | Incentive Saver | 5.39% | bonus rate: add money to your account (interest payments don't count). |
 BankSA | Incentive Saver | 5.39% | bonus rate: add money to your account (interest payments don't count). |
 St.George Bank | Incentive Saver | 5.39% | bonus rate: add money to your account (interest payments don't count). |
| ANZ Plus Flex Saver | 5.35% | ||
 Police Credit Union | Focus Saver Account | 5.35% | bonus rate |
 BankVic | Bonus Saver | 5.30% | bonus rate: deposit $100 per month and make no withdrawals to earn bonus interest |
| BCU Bank | Boss Saver | 5.30% | bonus rate: rate available to existing customers.; Rate is applied when you deposit at least $500 into your eligible transaction account from an... |
 Easy Street | Flex Saver | 5.30% | |
| P&N Bank | Savvy Saver Account | 5.30% | bonus rate: rate available to existing customers.; Rate is applied when you deposit at least $500 into your eligible transaction account from an... |
 Hume Bank | Reward Saver | 5.29% | bonus rate: deposit at least $10 a month |
| ANZ Plus Growth Saver | 5.25% | bonus rate: grow $100 by last business day of month | |
 Bank of Sydney | Bos Saver | 5.25% | |
 Bank Australia | Bonus Saver | 5.25% | bonus rate: earn monthly bonus interest when $100 is deposited each month and there are no withdrawals in the month. |
 Qudos Bank | Bonus Saver | 5.25% | bonus rate: deposit at least $100 and make no withdrawals in a calendar month to receive the bonus rate on your savings. |
| MyState Bank | Bonus Saver | 5.25% | bonus rate: enjoy bonus interest when an eligible deposit of $20 or more in to your Bonus Saver Account and make 5 or more eligible VISA Debit card... |
| Bonus Saver Account | 5.25% | bonus rate: bonus interest additional to the base rate is earned when at least one deposit of a minimum of $1.00 and no withdrawals are made in the... | |
| First Home Bonus Saver Account | 5.25% | bonus rate | |
 CBA | GoalSaver | 5.25% | bonus rate: we pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each... |
 Suncorp Bank | Growth Saver Account | 5.25% | bonus rate: bonus Interest - conditions must be met for bonus interest to be paid. |
| Bankwest | Hero Saver | 5.25% | bonus rate: bonus interest will be paid in respect of each day of a month of the year at Your Bonus Interest Rate on that day if the total amount of... |
 Macquarie Bank | Macquarie Savings Account | 5.25% | |
| Regional Australia Bank | Savings Booster Account | 5.25% | bonus rate: interest is per annum. |
 Virgin Money | Virgin Money Boost Saver | 5.25% | bonus rate: additional variable interest rate earned on a Boost Saver where the optional Lock Saver Feature is enabled. |
 Defence Bank | iSaver | 5.25% | bonus rate: interest is calculated daily on the closing balance and credited on the last day of each month. |
| NAB | NAB Reward Saver | 5.24% | bonus rate: to receive bonus interest for the month, customer must make at least one deposit on or before the second last banking day and no... |
| Defence Bank | Max E Saver | 5.20% | bonus rate: interest is calculated daily on the closing balance and credited on the last day of each month. |
 Dnister | Max Saver | 5.20% | bonus rate: to earn the Bonus Rate deposit $1,500 per month, withdraw up to $1,000 per month (maximum 4 withdrawals per month). |
 Great Southern Bank Business+ | Business+ Saver | 5.15% | |
 bankWAW | WAW Bonus Saver | 5.15% | bonus rate |
 Westpac | Westpac Notice Saver 31, 60 & 90 days | 5.15% | |
| Dnister | Bonus Saver | 5.10% | bonus rate: deposit $20.00 per month with no withdrawals to earn the Bonus Rate. |
| Great Southern Bank | Future Saver | 5.10% | bonus rate |
 CommFCU | Santa Saver | 5.10% | |
| Great Southern Bank | Everyday Saver | 5.05% | |
| ING | Savings Accelerator | 5.05% | |
 Bendigo Bank | Bendigo Reward Saver | 5.00% | bonus rate: bonus Rate in addition to variable (Base) rate where criteria is met When you grow your balance every month* Watch your savings grow... |
| Great Southern Bank | Home Saver | 5.00% | bonus rate |
 Australian Military Bank | Online Saver | 5.00% | bonus rate |
 Arab Bank Australia | Personal Online Savings Account | 4.95% | |
| Qudos Bank | Retirement Savings Account | 4.95% | |
 Newcastle Permanent Building Society | Smart Saver Account | 4.95% | bonus rate |
 The Capricornian | Bonus Saver Account | 4.90% | bonus rate: 0.10% interest is applied to the entirety of the balance regardless of whether or not the bonus criteria is met. |
 Beyond Bank Australia | Purple Bonus Saver | 4.89% | bonus rate: you will become eligible for bonus interest if you: a) deposit at least $50 during the month; and b) do not make a withdrawal during the... |
| Online Saver Account | 4.85% | bonus rate | |
| BCU Bank | Power Saver | 4.85% | bonus rate: rate available to existing customers.; Rate is applied when no withdrawals are made within the calendar month. |
| PremiumSaver | 4.85% | bonus rate: bonus Variable Rate | |
| P&N Bank | Smart Saver Account | 4.85% | bonus rate: rate available to existing customers.; Rate is applied when no withdrawals are made within the calendar month. |
| MOVE Bank | Online Saver | 4.80% | |
 GMCU | Advantage Saver | 4.79% | bonus rate |
 Summerland Bank | Bonus Saver | 4.75% | bonus rate: deposit at least $100 a month |
 Unity Bank | Bonus Saver Account | 4.75% | bonus rate: all deposits made to the account receive interest on the balance together with a bonus interest, if these conditions are met: no... |
| Bank of Queensland | Business WebSavings Account | 4.70% | introductory rate: 4 Month Introductory Special Offer for new customers only for $10000 and over. |
| Bank Australia | Online Saver | 4.70% | |
| Qudos Bank | Qsaver | 4.70% | |
 Police Bank | Savings Plus Account | 4.65% | |
 Border Bank | Savings Plus Account | 4.65% | |
 Orange Credit Union | Online Saver | 4.60% | |
| CommFCU | Goal Saver | 4.55% | bonus rate: to be eligible for Bonus Interest, the account balance must be zero or in credit.; A minimum deposit of $50 must be made each month to... |
 Heartland | MySavings account | 4.55% | |
| Preschool Savings Account | 4.55% | ||
 Gateway Bank | Goal Saver | 4.50% | bonus rate: balance needs to increase $250 over the month prior. |
| Qudos Bank | Qantas Points Saver | 4.50% | |
| Revolut Business Instant Access Savings | 4.50% | ||
 Alex.Bank | Savings | 4.50% | |
| Police Credit Union | iSavings Account | 4.50% | |
 Queensland Country Bank | Bonus Saver | 4.40% | bonus rate: no withdrawals in the month; deposit at least $20 a month |
 Geelong Bank | Affinity Savers | 4.35% | |
| Bank of Sydney | Business Saver | 4.35% | |
| Australian Military Bank | DIY Super Saver | 4.35% | |
 Greater Bank | Bonus Saver | 4.25% | |
 Maitland Mutual | Bonus Saver | 4.25% | bonus rate |
| Newcastle Permanent Building Society | Online Savings Account (including Intro) | 4.25% | introductory rate |
| Business Star Saver | 4.20% | bonus rate: bonus interest paid on balance up to $2Mil subject to no withdrawals in the calendar month. | |
| Little Star Saver | 4.20% | bonus rate: tiered rate based on different balance thresholds and bonus interest subject to no withdrawals | |
| Star Saver | 4.20% | bonus rate: bonus interest paid when a minimum balance increase of $100 is achieved for the calendar month | |
| Gateway Bank | eMax Saver Account | 4.20% | |
 Northern Inland Credit Union | Bonus Saver | 4.15% | bonus rate: variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. |
| Online Saver Account | 4.05% | ||
 ANZ | ANZ Progress Saver | 4.00% | bonus rate: bonus interest is subject to eligibility. |
| CommFCU | Online Saver | 4.00% | |
 Laboratories Credit Union | Savvy Saver | 4.00% | bonus rate |
| PremiumSaver (Business) | 3.95% | bonus rate: bonus Variable Rate | |
| PremiumSaver (Trust) | 3.95% | bonus rate: bonus Variable Rate | |
| Bank of Melbourne | Maxi Saver | 3.90% | bonus rate: open an account online and earning an extra online bonus rate for the first 3 months. |
| BankSA | Maxi Saver | 3.90% | bonus rate: open an account online and earning an extra online bonus rate for the first 6 months. |
| St.George Bank | Maxi Saver | 3.90% | bonus rate: open an account online and earning an extra online bonus rate for the first 3 months. |
| Northern Inland Credit Union | Ready Saver | 3.90% | |
| Bendigo Bank | Bendigo EasySaver | 3.80% | |
| Westpac | Westpac eSaver | 3.80% | bonus rate: opening a Westpac eSaver when you arrive in Australia lets you save with unlimited withdrawals and bonus interest for the first 5 months. |
 Credit Union SA | Bonus Savings Account | 3.74% | bonus rate |
 Up | Up Saver | 3.60% | bonus rate: at least 5 card purchases a month; no withdrawals in the month |
 Auswide Bank | Bonus Plus Saver | 3.55% | bonus rate: make at least 1 deposit, credit transfer or electronic credit to the account in the calendar month. |
| Orange Credit Union | Bonus Saver | 3.50% | bonus rate |
| CommFCU | Firstbiz Online Saver | 3.50% | |
| Maitland Mutual | Internet Saver | 3.50% | |
 IMB Bank | Reward Saver Account | 3.45% | bonus rate |
| Dnister | Pensioner Savings | 3.40% | |
| PurposeSaver | 3.40% | ||
 First Option Bank | Bonus Saver | 3.25% | bonus rate |
 Bank of China | Online Saver Statement | 3.25% | bonus rate |
| Virgin Money | Virgin Money Grow Saver | 3.25% | bonus rate: additional variable interest rate earned on a Grow Saver where the optional Lock Saver Feature is enabled. |
| Arab Bank Australia | Business Online Savings Account | 3.20% | |
| CBA | NetBank Saver | 3.20% | introductory rate: fixed bonus margin for the first 5 months on your first NetBank Saver. |
| Dnister | iSaver | 3.15% | introductory rate: variable Interest on entire balance $1 and over - Special introductory interest rate for 3 months |
| Bank of Queensland | Superannuation Savings Account | 3.10% | introductory rate: 4 Month Introductory Special Offer for new customers only, for $10,000 and over. |
| Queensland Country Bank | Business Online Saver | 3.00% | |
 Coastline Bank | Coastline Savings Account | 3.00% | |
| Queensland Country Bank | Online Saver | 3.00% | |
| Beyond Bank Australia | monEsaver Internet Account | 2.95% | |
| bankWAW | WAW Christmas Saver | 2.90% | |
| bankWAW | WAW Club Community Saver | 2.90% | |
| bankWAW | WAW Everyday Saver | 2.90% | |
 Cairns Bank | Online Saver account | 2.75% | |
| PurposeSaver (Business) | 2.70% | ||
| PurposeSaver (Trust) | 2.70% | ||
| bankWAW | WAW Business Saver | 2.65% | |
| Star Saver Controlled Money Account (solicitors Only) | 2.60% | ||
 Broken Hill Bank | eCall Savings Account | 2.55% | |
| Maitland Mutual | Internet Saver Business | 2.50% | |
| Northern Inland Credit Union | Internet Saver | 2.40% | |
| Bank of China | Online Saver | 2.35% | |
| First Option Bank | Christmas Saver | 2.25% | |
| Bank Australia | Christmas Saver | 2.25% | |
| Cairns Bank | Christmas Saver Account | 2.25% | |
| Auswide Bank | Online Saver | 2.25% | |
 TMCU | Premium Savers Account | 2.25% | |
 Central West Credit Union | S8 E Access Saver Account | 2.25% | |
| Suncorp Bank | Business Saver Account | 2.15% | |
| Central West Credit Union | Investment Savings | 2.10% | |
 The Mac | Christmas Saver | 2.00% | |
 SWSbank | Online Saver | 2.00% | |
| Australian Military Bank | Recruit Salary Saver | 2.00% | |
| Up | Up Essentials Saver | 2.00% | |
| The Mac | eSaver | 2.00% | |
| Bank Australia | Commercial Saver | 1.95% | |
| Geelong Bank | Senior Savers | 1.90% | |
| P&N Bank | Business Saver | 1.85% | |
| BCU Bank | Business iSaver | 1.85% | |
| Geelong Bank | Online Saver Account | 1.75% | |
| Broken Hill Bank | Santa Saver Account | 1.75% | |
| Geelong Bank | iSaver | 1.66% | bonus rate: deposit at least $200 a month |
| ANZ | ANZ Online Saver | 1.60% | |
| Geelong Bank | Achieve Saver | 1.60% | bonus rate |
| Community and Business Saver | 1.60% | ||
| Broken Hill Bank | OTC Savings Account | 1.60% | |
| CBA | Business Online Saver | 1.55% | |
| ANZ | ANZ Business Online Saver | 1.50% | |
| Bendigo Bank | Bendigo Business EasySaver | 1.50% | |
| BankSA | Business Access Saver | 1.45% | |
| Bank of Melbourne | Business Access Saver | 1.45% | |
| St.George Bank | Business Access Saver | 1.45% | |
| Westpac | Business Cash Reserve Savings | 1.45% | |
| GMCU | Christmas Saver | 1.10% | |
| Unity Bank | Christmas Saver Account | 1.10% | |
| MOVE Bank | Express Saver | 1.10% | |
| GMCU | Online Saver | 1.05% | |
| Laboratories Credit Union | Esaver Account | 1.00% | |
 Darling Downs Bank | Education Saver | 0.85% | |
| Dnister | My Community Saver | 0.77% | bonus rate: dnister pays a contribution based on the applicable interest rate and daily balance of a My Community Saver Account. |
| Darling Downs Bank | Smart Savers | 0.75% | |
| Darling Downs Bank | Workings Savings | 0.70% | |
| MyState Bank | Business Online Saver | 0.60% | |
| The Capricornian | iSaver | 0.60% | |
| First Option Bank | Gst/tax Saver | 0.50% | |
 Horizon Bank | Reward Saver | 0.50% | introductory rate |
| Police Credit Union | Rural On-Call Savings Account | 0.45% | |
| Coastline Bank | Bonus Reward Saver | 0.40% | |
| Gateway Bank | Savings Account | 0.25% | |
| Darling Downs Bank | Gympie Savings | 0.15% | |
| The Capricornian | Everyday Saver Account | 0.10% | |
 Central Murray Bank | At Call Savings | 0.05% | |
| Central Murray Bank | At Call Savings | 0.05% | |
| Qudos Bank | General Savings Account | 0.05% | |
| Central West Credit Union | S2 Budget Savings Account | 0.05% | |
| Beyond Bank Australia | Access Savings Account | 0.01% | |
| Horizon Bank | Call Savings | 0.01% | |
| Horizon Bank | Call Savings | 0.01% | |
| Horizon Bank | Insurance Savings | 0.01% | |
| Horizon Bank | Redisavings | 0.01% |
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