Revolut Instant Access Savings

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Instant Access Savings is a savings account from Revolut. At $50,000 it pays 3.00% p.a. with no bonus conditions; 6.50% for the first 3 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.

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 intro column is the rate for the first 3 months of a new account, the whole rate for that period; after it the account pays its base rate, 3.00% at $50,000.

Conditions

• the feed lists several base rates for one balance; the lowest is shown, up to 5.55% (Ultra Plan p.a. variable interest rate. Interest is earnt and paid daily. Lower interest rates apply based on the total balance across all your personal savings accounts. Rates may change at any time.)
• the boosted rate is for new Revolut customers who open the account within a month of joining
• a sub-account of a Revolut account, which is required

Introductory rate conditions: Boosted promotional rate for 3 months on balances up to $50,000, available to new Revolut AU retail customers subject to specific conditions. After 3 months, rate will revert to your default plan rate

Features

app

yes

notifications

yes

Other features, in the bank's words:

• Features and benefits will vary depending on your plan - see our website for more info. Plan-specific fees and benefits are tied to your Revolut Personal Account.

Fees, limits and who can open it

monthly fee

no monthly fee stated

interest paid

daily

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: Australian residents including temporary visa holders are eligible. Non-residents are not eligible for an Australian Revolut account: Must be an Australian resident with a valid Australian residential address

About this account

A savings account that earns variable interest on AUD balances. Interest accrues and is applied daily. Features and fees will vary based on paid plan tier (Standard, Plus, Premium, Metal, Ultra).

Data

• Revolut's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 10 November 2026.
• We read the bank's own page and terms against this page on 1 November 2026: instant-access-savings, interest-rates-and-fees, savings-account; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/revolut.json: this bank's accounts and every balance band as JSON; Revolut's page lists them.
• The bank last updated this record on 10 November 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 Revolut

• Business Instant Access Savingsstale savings account, 2.25% base at $50,000
• Kids & Teens Instant Access Savings savings account
• Business Accountstale transaction account
• Business Multi-currency Walletstale transaction account
• Joint Accountstale transaction account
• Kids & Teens Accountstale transaction account
• Personal Accountstale transaction account
• Personal Multi-Currency Walletstale transaction account

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