UniBank Momentum Saver
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Momentum Saver is a savings account from UniBank. At $50,000 it pays 5.35% p.a. in a month in which the conditions below are met and 0.10% 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 | 0.10% | 5.25% | 5.35% |
| $250,000.01 – $1,000,000.01stepped: paid on the part of the balance in this band | 0.10% | 5.15% | 5.25% |
| $1,000,000.02+stepped: paid on the part of the balance in this band | 0.10% | 4.90% | 5.00% |
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
- no withdrawals in the month
- deposit $100 or more each month
Other conditions
- Membership limited to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank (the lender's words)
- 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
- bonus needs a deposit of $100 or more by the cut-off on the last day of the month, no withdrawals or transfers out, and the account in credit at all times
Features
- app
- yes
- Osko
- yes
- PayID
- yes
- notifications
- yes
Other features, in the bank's words:
- Bonus interest earned for each month you deposit a minimum of $100, make no withdrawals during the month and the account has a credit balance at all times during that month.
- No fees for accessing your account online or via phone banking.
- No monthly access fee.
- No minimum balance.
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- monthly
- interest calculated
- daily
- open to
- personal customers
- occupation membership
- open only to people in certain occupations, or the lender takes members only from them
Who can open it, in the bank's own words:
- residency: Individuals must be citizens or permanent residents of Australia.
About this account
The Momentum Saver account rewards savers with an ongoing bonus interest rate when you deposit a minimum of $100 and make no withdrawals during the month.
Data
- UniBank'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 22 October 2026.
- We read the bank's own page and terms against this page on 1 November 2026: momentum-saver, conditions-of-use.pdf, fees-and-charges.pdf; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/unibank.json: this bank's accounts and every balance band as JSON; UniBank'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 UniBank
- Essential Saver Account savings account, 5.50% base at $50,000
- Pension Advantage Account savings account, 3.50% base at $50,000
- Starter Saver Account savings account, 5.75% base at $50,000
- Edvest Cash Management Account cash management account, 1.50% base at $50,000
- Everyday Direct Accountstale transaction account, 0.00% base at $50,000
All of UniBank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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