UniBank Starter Saver Account

savings accountoccupation membershipage limitedterms checked

Starter Saver Account is a savings account from UniBank. At $50,000 it pays 5.75% p.a. with no bonus conditions.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

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.

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)
• open to members under 30, or university students of any age (full or part time)
• the account converts to an Essential Saver once the holder turns 30 (students two years after graduating)

Features

app

yes

Osko

yes

PayID

yes

notifications

yes

transactions

unlimited

Other features, in the bank's words:

• The product pays members a higher rate of interest on balances up to $50,000.00, with a stepped down rate for balances $50,000.01 and over. Members have funds available at call, with flexibility to access their funds without forfeiting interest within a calendar month.

Fees, limits and who can open it

monthly fee

no monthly fee stated

interest paid

monthly

interest calculated

daily

age

up to age 29

open to

personal customers

occupation membership

open only to people in certain occupations, or the lender takes members only from them

age limited

open only to people of certain ages (kids, youth or seniors accounts)

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

• You must be a member. Membership is open 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.
• residency: Individuals must be citizens or permanent residents of Australia.
• age 29 and under: This Product is only available for members aged under 30 years and Students

About this account

Starter Saver Account is a high interest savings account for Under 30 year olds that rewards savings.

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 12 November 2026.
• We read the bank's own page and terms against this page on 1 November 2026: starter-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 12 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 UniBank

• Essential Saver Account savings account, 5.50% base at $50,000
• Momentum Saverstale savings account, 5.35% conditional at $50,000
• Pension Advantage Account savings account, 3.50% 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.