Whirlpool AU Bank Account Comparison
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Bank Savings Rates
Information only (no guarantee of accuracy) - hover mouse over cell C1 for full disclaimer
DOES NOT INCLUDE ALL SAVINGS PRODUCTS
Today's date:31/03/2020
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Rates updated after RBA change
Please click here to submit correction / new account
19/03/20
RBA Cash Rate 0.25% (down from 0.50%). This was an emergency cut resulting from pandemic panic
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Bank / AccountBase
Max
Bonus
Max
Total
Requirement for bonusMax Balance(with Intro)Comments
Last checked
Link
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MOVE Bonus Saver S100.80%1.20%2.00%Dep. 200 - no withdrawals - per monthNo bonus if >250kMembership is $10 with payment deferred until called for by the Board of Directors.01/11/2019https://movebank.com.au/products/everyday-banking/bonus-saver/
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Australian Unity Active Saver0.50%1.50%2.00%Dep. 250 - no withdrawals - per monthNo bonus if >500k Need linked Transaction account. ($5 p/mth transaction account keeping fee has been removed as from 1-Jul-19)28/10/2019https://australianunityhomeloan.com.au/active-saver-account/
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86400 Bank0.40%1.60%2.00%Dep. 1000 - per month
Bonus paid up to 100k per account, 3 accounts max
12/03/2020https://www.86400.com.au/pay-and-save/
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MyState Bonus Saver0.30%1.70%2.00%Dep. 20 - per month into Bonus Saver Account + 5 VISA Debit card transactionsBonus paid up to 150kNeed linked MyState Everyday or Glide Account20/11/2019https://www.mystate.com.au/personal/bank-accounts/bonus-saver-account
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UP Saver0.25%1.75%2.00%5 debit card or digital wallet purchases completed from your Everyday Account per monthNo bonus if combined Savers balance >50kNeed linked Everyday Account16/03/2020https://up.com.au/life_savers/
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BOQ Fast Track Saver0.20%1.80%2.00%
Dep. 1000 - per month into linked Day2Day Plus acct (and from 1 Feb 2020 make 5 eligible transactions) - not in 1st month.
No bonus if >250kNeed linked Day2Day Plus transaction account (see note attached in Requirment for Bonus column for valid transactions for bonus)10/03/2020https://www.boq.com.au/personal/banking/savings-and-term-deposits/fast-track-saver-account
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ING Savings Maximiser + OE0.25%1.70%1.95%Dep. 1000 - per month - maybe not in 1st month? (hover)** + As of 1 March 2018, 5 card transactions.Bonus paid up to 100kNeed linked OE account. 09/10/2019https://www.ing.com.au/savings/savings-maximiser.html
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Suncorp Growth Saver0.20%1.70%1.90%Inc. Bal. by 200 - <=1 withdrawal - per monthVery low rate if 'bonus' requirement not met17/02/2020https://www.suncorp.com.au/banking/bank-accounts/savings-accounts.html
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UBank USaver + Ultra0.79%1.06%1.85%Dep. 200 - per month - not in 1st monthNo bonus if >=200kNeed linked Ultra account09/03/2020https://www.ubank.com.au/transaction-accounts
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Bankwest Hero Saver0.01%1.49%1.50%Dep. 200 - no withdrawals - per monthBonus paid up to 250kVery low (nearly zero) rate if 'bonus' requirement not met20/10/2019
http://www.bankwest.com.au/personal/savings-term-deposits/savings-accounts-term-deposits/hero-saver
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ME Bank OSA + ETA0.10%1.70%1.80%As of 1 Oct 2019, 4 contactless transactions per monthBonus paid up to 250k10/03/2020https://www.mebank.com.au/personal/bank-accounts/online-savings-account/
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MyState Special eSaverVaries0.00%1.75%Bal. <50k 0.75%; <150k 1.25%; <250k 1.50%; <500k 1.75%; >=500k 1.75% (Base Rates)31/10/2019https://mystate.com.au/personal/bank-accounts/special-esaver-account
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Australian Unity Freedom Saver
Varies0.00%1.75%Bal. <50k 0.95%; <250k 1.40%; <500k 1.65%; <5m 1.75% (Base Rates)5m max balanceNeed linked Transaction account. ($5 p/mth transaction account keeping fee has been removed as from 1-Jul-19)28/10/2019https://australianunityhomeloan.com.au/freedom-saver-account/
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AMP Bett3r Save1.00%0.75%1.75%Dep. 2000 - per monthBonus paid up to 100kNo bonus interest if AMP home loan held. Linked to AMP Bett3r Pay and Spend accounts.10/07/2019https://www.amp.com.au/bett3r
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HSBC FlexiSaver0.15%1.35%1.50%Inc. Bal. by 300 - per monthNo interest if >5m23/03/2020https://www.hsbc.com.au/1/2/personal/savings/flexi-saver
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CUA eSaver Reward0.05%1.65%1.70%Dep. 1000 - per monthBonus paid up to 100kVery low rate if 'bonus' requirement not met12/03/2020https://www.cua.com.au/everyday-banking/savings-and-term-deposits/esaver-reward
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Illawarra Credit Bonus Saver0.00%Varies1.70%Dep. 100 - no withdrawals - per month. Bal. <50k 1.45%; <=100k 1.95%; >100k nil (Bonus Rates Stepped)No bonus on portion >100kZero rate if 'bonus' requirement not met. Interest is paid on the portion of the balance that falls within each band.10/03/2020https://www.illawarracu.com.au/savings-accounts/bonus-saver
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RAMS Saver0.90%0.75%1.65%Dep. 200 - no withdrawals - per monthNo bonus if >500k Can have up to 10 accounts, all with bonus interest17/03/2020https://www.rams.com.au/savings-and-transactions/rams-saver/
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Bank Australia Bonus Saver0.05%1.60%1.65%Dep. 100 - no withdrawals - per monthN/A>10k transfer requires staff-assisted transaction @ $2.50. $10m upper limit21/02/2020https://bankaust.com.au/personal/save/savings-accounts/bonus-saver/
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BankFirst Bonus Saver0.05%1.60%1.65%Dep. 1 - no withdrawals - per month. Bal. <150k 1.65%; >=150k 1.55% (Total Rates)N/AVery low rate if 'bonus' requirement not met. Can direct debit and BPay from this savings account directly. Has PayID, NPP, and Osko.30/12/2019https://www.bankfirst.com.au/bank-accounts/savings-accounts/bonus-saver
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Defence Bank Max eSaver0.10%1.50%1.60%Any dep. - no withdrawals - per monthN/ALow rate if 'bonus' requirement not met10/07/2019https://www.defencebank.com.au/onlinesavingsmaxesaver
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ING Savings AcceleratorVaries0.00%1.50%Bal. <50k 0.25%; <150k 1.00%; >=150k 1.50% (Base Rates)5m max balanceInterest rate on entire balance varies depending on balance17/10/2019https://www.ing.com.au/savings/savings-accelerator.html
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MOVE Express Saver S501.50%0.00%1.50%N/AN/A01/02/2020https://www.mymove.com.au/savings-insurances/accounts/express-saver
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BOQ Bonus Interest Account0.20%1.30%1.50%<=1 withdrawal - per monthN/ALow rate if 'bonus' requirement not met10/10/2019http://www.boq.com.au/bonus-interest-savings-account.htm
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NAB Reward Saver0.11%1.39%1.50%Dep. 1 - no withdrawals - per monthN/A'month' refers to second last day of month, hover over this cell for more info16/01/2020http://www.nab.com.au/personal/banking/savings-accounts/nab-reward-saver
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CBA NetBank Saver0.10%1.40%1.50%See note for details of ongoing bonus interest amount and requirementsN/A1.65% (5mon, up to 5m)Changed intro rate duration from 3 months to 5 months. Needs linked transaction account. Fees may apply, see CBA site for details04/10/2019https://www.commbank.com.au/personal/accounts/savings-accounts/netbank-saver.html
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RaboBank PremiumSaver0.35%Varies1.45%Inc. Bal. by 200 - per month. Bal <=250k 1.45%; <=1m 1.30%; >1m 1.10% (Total Rates)Inc. bal. by 200 - per month10/03/2020https://www.rabobank.com.au/premiumsaver/
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P&N Bank SwiftSaver0.10%1.35%1.45%Dep. 10 - no withdrawals - per monthNo interest if >100kVery low rate if 'bonus' requirement not met08/12/2019https://www.pnbank.com.au/personal-banking/savings-accounts/swiftsaver-account/
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Bank of us Stash n SplashVaries0.00%1.40%50k opening deposit 2.10%; <25k 0.50%; >=25k 1.40% (Base Rates)1m max balance2.10% (3 mon* >= 50k)Tasmanian residents only. Cannot be opened online. >5 withdrawals in a month results in 0.00% interest for that month01/09/2019https://bankofus.com.au/spring-load
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Macquarie Bank Savings Account
Varies0.00%1.35%Bal. <25k 1.35%; <100k 1.35%; <250k 1.35%; <1m 1.35%; >1m 1.05% (Base Rates Stepped)N/A2.65% (4mon, up to 250k)Need linked Maquarie Transaction account. Interest is paid on the portion of the balance that falls within each band.23/03/2020http://www.macquarie.com/au/personal/bank-accounts/savings
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CBA Goalsaver0.01%Varies1.35%
Dep. 200 - no withdrawals - per month. Bal. <50k 0.64%; <250k 0.99%; <1m 1.34%; >1m nil (Bonus Rates Stepped)
No bonus if >=1mVery low (nearly zero) rate if 'bonus' requirement not met. Interest is paid on the portion of the balance that falls within each band.18/03/2020https://www.commbank.com.au/personal/accounts/savings-accounts/goal-saver.html
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Greater Bank Bonus Saver0.00%1.10%1.10%1 Dep. - no withdrawals - per monthMin Bal. - 1Zero rate if 'bonus' requirement not met20/10/2019https://www.greater.com.au/personal/savings-accounts/bonus-saver
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Westpac Life0.40%0.90%1.30%Dep required (any amount). Higher bal at end of month. Keep bal > $0N/A18/03/2020https://www.westpac.com.au/personal-banking/bank-accounts/savings-accounts/life/
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Australian Unity Easy Saver1.25%0.00%1.25%N/AN/A2.15% (4mon, up to 250k)Need linked Transaction account08/10/2019https://australianunityhomeloan.com.au/savings-account/
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ANZ Progress Saver0.01%1.24%1.25%Dep. 10 - no withdrawals - per monthN/AVery low (nearly zero) rate if 'bonus' requirement not met13/03/2020https://www.anz.com.au/personal/bank-accounts/savings-accounts/progress-saver/
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Heritage Bank Online SaverVaries0.00%1.20%Bal. <1 0.00%; <250k 1.10%; >=250k 1.20% (Base Rates)Min Bal. - 12.50% (4mon, up to 100k)For new customers for 4 months, base rate after that. Needs linked elgigable account.04/02/2020https://www.heritage.com.au/banking/accounts/online-saver
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Rural Bank Online Saver1.20%0.00%1.20%N/A2m max balance17/07/2019http://www.ruralbankone.com.au/SaverAccount.html
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Citibank Ultimate SaverVaries0.00%1.15%Bal. <10k 0.00%; <1m 1.15%; >1m 0.10% (Base Rates)N/A11/07/2019https://www.citibank.com.au/aus/banking/savings_accounts/citibank_ultimate_saver.htm
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Bankwest Smart eSaver0.01%Varies1.15%No withdrawals. Bal. <500k 1.14%; <5m 0.74% (Bonus Rates)5m max balanceVery low (nearly zero) rate if 'bonus' requirement not met28/10/2019
http://www.bankwest.com.au/personal/savings-term-deposits/savings-accounts-term-deposits/smart-esaver
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AMP Saver Account1.05%0.00%1.05%N/A5m max balance2.11% (4mon, up to 250k)18/03/2020https://www.amp.com.au/personal/banking/products/everyday-accounts/amp-saver-account
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RaboBank HISAVaries0.00%0.80%Bal. <=250k 0.80%, <=1m 0.55%, >1m 0.55% (Base Rates)N/A2.25% (4mon, up to 250k)For new customers for 4 months, base rate after that10/03/2020https://www.rabobank.com.au/high-interest-savings-account/
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P&N Bank HiSaver0.00%0.70%0.70%Min. bal. 5kN/A2.20% (4mon)Zero rate if 'bonus' requirement not met23/08/2019https://www.pnbank.com.au/personal-banking/savings-accounts/hi-saver/
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Citibank Online Saver0.60%0.00%0.60%N/AN/A
2.05% (4mon, base rate if >500k)
Can open a new account, transfer balance then close old account and get bonus interest for another 4 months. Then repeat again for permanent bonus interest.
06/03/2020https://www.citibank.com.au/online-saver/index.htm
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BOQ WebSavingsVaries0.00%0.55%Bal. <2k 0.01%; >=2k 0.55% (Base Rates)>5m subject to approval2.05% (4mon, >5k, <5m)Zero interest rate if <5k. balance08/12/2019http://www.boq.com.au/online-savings-account.htm
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HSBC Serious Saver0.20%0.00%0.20%No withdrawals per month to get Base-Int or 4 month Bonus-IntNo interest if >1m2.10% (4mon, up to 1m)23/03/2020https://www.hsbc.com.au/1/2/personal/savings/high-interest
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Bankwest TeleNet Saver0.05%0.00%0.05%N/AN/A1.65% (4mon, 5m max)28/10/2019
http://www.bankwest.com.au/personal/savings-term-deposits/savings-accounts-term-deposits/telenet-saver
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Defence Bank iSaver0.15%0.00%0.15%N/ANo interest if >1m1.65% (3mon, none if >1m)13/12/2019https://www.defencebank.com.au/isaver
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Westpac eSaver0.15%0.00%0.15%N/AN/A1.91% (5mon)26/07/2019http://www.westpac.com.au/personal-banking/bank-accounts/savings-accounts/esaver/
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BankSA Maxi Saver0.15%0.00%0.15%N/AN/A2.05% (3mon)19/07/2019https://www.banksa.com.au/personal/bank-accounts/savings-accounts/maxi-saver
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St George Maxi Saver0.15%0.00%0.15%N/AN/A2.05% (3mon)15/09/2019https://www.stgeorge.com.au/personal/bank-accounts/savings-accounts/maxi-saver
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Bank of Melbourne Maxi Saver0.15%0.00%0.15%N/AN/A2.05% (3mon)19/07/2019https://www.bankofmelbourne.com.au/personal/bank-accounts/savings-accounts/maxi-saver
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NAB iSaver0.11%0.00%0.11%N/AN/A1.55% (4mon)16/01/2020http://www.nab.com.au/personal/banking/savings-accounts/nab-isaver
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ANZ Online Saver0.05%0.00%0.05%N/AN/A1.20% (3mon)13/03/2020https://www.anz.com.au/personal/bank-accounts/savings-accounts/online-saver/
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Retired Accounts
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CUA eSaver Extra0.20%1.35%1.55%Dep. 250 - no withdrawals - per monthBonus paid up to 750kStill active but "No Longer For Sale" according to CUA13/03/2020https://www.cua.com.au/tools-and-services/managing-your-accounts/interest-rates#savings
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Suspended Accounts
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Xinja 'Stash'2.25%0.00%2.25%N/AMax of 245k
No new accounts can be opened
Need to open Xinja account. "If a payment would push the total combined balance across your Xinja Accounts over $245,000, we will contact so that you can tell us where to transfer the excess balance."
13/03/2020https://xinja.com.au/products/
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Accounts for under 25s
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BOQ Fast Track Starter (<25yo)
0.20%Varies3.00%
Dep. 200 - per month into linked Day2Day Plus acct - not in 1st month. Bal. <=10k 3.00%; <=250k 2.00% (Bonus Rates)
No bonus if >250k
Must be under 25yo to open account. Need linked Day2Day Plus transaction account. Will automatically convert to a Fast Track Saver Account on 25th Birthday.
10/03/2020boq.com.au/personal/banking/savings-and-term-deposits/fast-track-starter-account
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Greater Bank Life Saver (<25yo)
0.00%2.00%2.00%Dep required (any amount). Higher bal at end of month.Min Bal. - 1Must be under 25 years old to open account. 23/03/2020https://www.greater.com.au/personal/savings-accounts/life-saver
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Bank Australia mySaver (<=25yo)
0.10%1.85%1.95%Dep. 10 - no withdrawals - per monthMust be 25 years old and under to open account. Staff-assisted transaction @ $2.5026/11/2019https://www.bankaust.com.au/tools/rates/accounts/mySaver/
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