BCU Bank Bonus Saver

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Bonus Saver is a savings account from BCU Bank. It pays 0.05% p.a. with no bonus conditions; 5.60% for the first 4 months.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays, intro the rate in the introductory period.

Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.

The intro column is the rate for the first 4 months of a new account, an add-on to the base rate for that period; after it the account pays its base rate, 0.05% at $50,000.

The feed states a maximum balance of $5,000,000.

Conditions

• not updated by the bank since 2026-10-20, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed

Introductory rate conditions: Interest rate applies for the first four months on daily closing balances from account opening date.

Features

app

yes

Osko

yes

PayID

yes

transactions

unlimited

joint accounts

yes

Other features, in the bank's words:

• Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us on 1300 228 228 or visit your nearest branch for more information.

Fees, limits and who can open it

monthly fee

no monthly fee stated

maximum balance

$5,000,000

interest paid

monthly

interest calculated

daily

age

ages 12 and over

open to

personal customers

Who can open it, in the bank's own words:

• Members may hold a maximum of one Bonus Saver account as a single account and one as a joint account. You may open a Bonus Saver account 12 months from the date of closing any previously owned Bonus Saver account as a single or joint account.
• You must be or become a BCU Bank member
• residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.

About this account

Give your savings a lift and earn bonus interest for the first four months.

Data

• BCU Bank's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees.
• Our verbatim snapshot of the bank's product record (source), as fetched on 22 October 2026.
• We read the bank's own page and terms against this page on 1 November 2026: bonus-saver-account, savings-accounts--access-channels; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/bcu-bank.json: this bank's accounts and every balance band as JSON; BCU Bank's page lists them.
• The bank last updated this record on 20 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at BCU Bank

• Boss Saver savings account, 5.50% conditional at $50,000
• Business iSaverstale savings account, 1.85% base at $50,000
• Golden Account savings account, 1.54% base at $50,000
• Power Saver savings account, 4.85% conditional at $50,000
• Scoot Super Saver savings account, 3.50% base at $50,000
• Access Account transaction account, 0.00% base at $50,000
• Business Access transaction account, 0.00% base at $50,000
• Business Basic Access transaction account, 0.00% base at $50,000
• Concession Account transaction account, 0.00% base at $50,000

All of BCU Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.