Rabobank PremiumSaver (SMSF)
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PremiumSaver (SMSF) is a savings account from Rabobank. At $50,000 it pays 4.85% p.a. in a month in which the conditions below are met and 0.70% 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.
| Balance | Base | Bonus | Conditional |
|---|---|---|---|
| $0 – $250,000stepped: paid on the part of the balance in this band | 0.70% | 4.15% | 4.85% |
| $250,000.01+stepped: paid on the part of the balance in this band | 0.70% | 3.00% | 3.70% |
The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of 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.
Conditions
For the bonus rate
- grow the balance by $200 or more each month
In the bank's own words, as its feed states each condition on the bonus rate:
- balance growthBalance increased by $200 a month, excluding interest paid
Other conditions
- not updated by the bank since 2026-10-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
Features
- app
- yes
- notifications
- yes
- transactions
- unlimited
Other features, in the bank's words:
- From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.
Fees, limits and who can open it
- monthly fee
- $0
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 18 and over
- open to
- SMSF customers
- linked account
- a linked or nominated transaction account is required
Who can open it, in the bank's own words:
- SMSF products are available only to SMSF trustees.
- residency: Each SMSF trustee owner of an account must be residing in and tax resident of Australia.
- New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge fees and has no minimum balance requirement.
- Funds can only be transferred externally to the nominated linked account.
About this account
Reward yourself with a higher rate for your good savings habits. Our PremiumSaver is simple, by growing your monthly balance your interest rate increases.
Data
- Rabobank'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: premiumsaver, smsf-rates, termsandconditions; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/rabobank.json: this bank's accounts and every balance band as JSON; Rabobank's page lists them.- The bank last updated this record on 13 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 Rabobank
- Call Deposit Account savings account, 4.00% base at $50,000
- High Interest Savings Accountstale savings account, 4.15% base at $50,000
- High Interest Savings Account (Business)stale savings account, 3.55% base at $50,000
- High Interest Savings Account (SMSF)stale savings account, 3.60% base at $50,000
- PremiumSaverstale savings account, 5.65% conditional at $50,000
- PremiumSaver (Business)stale savings account, 4.20% conditional at $50,000
- PurposeSaverstale savings account, 3.40% base at $50,000
- PurposeSaver (Business)stale savings account, 2.70% base at $50,000
- PurposeSaver (SMSF)stale savings account, 2.80% base at $50,000
- Cash Management Accountstale cash management account, 0.05% base at $50,000
- High Interest Savings Account (Trust)stale savings account, 3.55% base at $50,000
- PremiumSaver (Trust)stale savings account, 4.20% conditional at $50,000
- PurposeSaver (Trust)stale savings account, 2.70% base at $50,000
All of Rabobank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice, bonus interest is paid only in the months an account's conditions are met, and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.