Unity Bank Bonus Saver Account
savings accountstale
Bonus Saver Account is a savings account from Unity Bank. It pays 4.85% 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+ | 0.10% | 4.75% | 4.85% |
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 feed states no cap on the balance that earns the bonus.
Conditions
For the bonus rate
- deposit $100 or more each month
- no withdrawals in the month
In the bank's own words, as its feed states each condition on the bonus rate:
- monthly deposit$100 deposit
Other conditions
- not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
Features
- Osko
- yes
- PayID
- yes
- transactions
- unlimited
Other features, in the bank's words:
- Backed by the Government Deposit Guarantee for deposits up to $250,000
Fees, limits and who can open it
- monthly fee
- $5; the bank's words on who does not pay it: Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Under 25 years or over 65 years C) Held their membership for less than 3 months D) Have zero VISA debit transactions for the month including ATM, eftpos, paywave, digital wallet, online and phone purchases
- interest paid
- daily
- interest calculated
- daily
- open to
- personal customers
Who can open it, in the bank's own words:
- residency: You must be an Australian citizen or permanent resident
About this account
Earn bonus interest on your savings if you deposit a minimum of $100 each month, make no withdrawals or transfers in the month, and do not close the account during the month.
Data
- Unity Bank'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 5 November 2026.
/au/finance/savings-accounts/v1/brands/unity-bank.json: this bank's accounts and every balance band as JSON; Unity Bank's page lists them.- The bank last updated this record on 1 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 Unity Bank
- Christmas Saver Accountstale savings account, 1.10% base at $50,000
- MoneyMAXstale savings account, 4.75% base at $50,000
- Pensioner Plus Accountstale savings account, 2.64% base at $50,000
- Self-Managed Superfund Accountstale savings account, 3.25% base at $50,000
- Access Accountstale transaction account, 0.00% base at $50,000
- BusiAccessstale transaction account, 0.00% base at $50,000
All of Unity Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
We receive no payment from any lender for inclusion or ranking.
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.