Unity Bank MoneyMAX

savings accountstale

MoneyMAX is a savings account from Unity Bank. It pays 4.75% p.a. with no bonus conditions.

Rate tiers

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

One rate on every balance, with no upper limit.

Conditions

• not updated by the bank since 2026-11-02, 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

monthly

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

Higher interest savings account with restricted range of payment services

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 2 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

• Bonus Saver Accountstale savings account, 4.85% conditional at $50,000
• Christmas Saver Accountstale savings account, 1.10% 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.