Judo Bank Personal Savings Account

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Personal Savings Account is a savings account from Judo Bank. At $50,000 it pays 5.60% p.a. in a month in which the conditions below are met and 0.05% when they are not.

Rate tiers

Every balance band in the bank's feed: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together.

Some rows are paid on the whole balance and some, marked stepped, on the part of the balance in the band, as the feed states them.

The bonus is paid on top of the base rate in a month in which the conditions are met; conditional is the two together, and the base rate is what is paid otherwise.

The bonus rate changes with the balance; the bands above show what the feed states for each.

The bank's terms set a minimum balance of $1,000, which its feed understates.

Conditions

For the bonus rate

• deposit $300 or more each month

In the bank's own words, as its feed states each condition on the bonus rate:

• monthly depositTo trigger the bonus rate, simply deposit $300 or more into your savings account each calendar month.

Other conditions

• not updated by the bank since 2026-10-07, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
• a minimum balance of $1,000 to open and keep the account
• money goes in and out only through a nominated account in your name at another bank
• withdrawals do not lose the bonus, and the balance does not have to grow
• a deposit from another bank can take 1-2 business days to be credited
• withdrawals are capped at $20,000 a day unless Judo agrees a one-off higher limit

Features

app

yes

joint accounts

yes

Other features, in the bank's words:

• Fund via Direct Entry.

Fees, limits and who can open it

monthly fee

no monthly fee stated

minimum balance

$1,000

interest paid

monthly

interest calculated

daily

age

ages 18 and over

open to

personal customers

linked account

a linked or nominated transaction account is required

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

• residency: The person applying for the account must be: over 18 years of age; an Australian citizen or Permanent resident; an Australian resident for tax purposes; and living at an Australian residential address.
• Can be a Joint -applicant

About this account

A High Interest at-call savings account with bonus interest rates if monthly criteria is met.

Data

• Judo Bank's own page for this account.
• The bank's documents its product record links to: terms and conditions, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 5 November 2026.
• The minimum balance comes from the bank's own document, not its product data, checked on 2 November 2026: "The minimum balance for a JSA is $1,000."
• We read the bank's own page and terms against this page on 1 November 2026: personal-savings-account, Judo-Bank-Savings-Accounts-Terms-and-Conditions-20260709.pdf; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/judo-bank.json: this bank's accounts and every balance band as JSON; Judo Bank's page lists them.
• The bank last updated this record on 7 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 Judo Bank

• Business Savings Accountstale savings account, 5.10% base at $50,000
• SMSF Savings Accountstale savings account, 5.36% conditional at $50,000
• Alliance Savings Accountstale savings account

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