Banks with savings accounts in Australia
Not every deposit-taker is here. Covers the banks, credit unions and other deposit-takers on the Consumer Data Right register that publish savings accounts; every rate is as the bank's own product data states it. Transaction (everyday) accounts are in that data and in rates.json but are not ranked. Not every rate a bank advertises is in its product data. Bonus conditions are summarised from its wording, and the conditions and limits it leaves out (what counts as a deposit, age, membership, where the holder must live) are read from the bank's own terms and pages, quoted and re-read daily.
93 banks have a savings account ranked on the comparison; each has a page listing every transaction and savings account it publishes. The muted figure is its best rate for a personal savings account holding $50,000 at the conditional rate with bonus conditions met, with the account that pays it.
- Alex.Bank 4.50% conditional, Savings
- AMP Bank 4.50% conditional, Cash Manager
- AMP Bank GO 5.75% conditional, Save
- ANZ 4.25% conditional, Progress Saver
- ANZ Plus 5.60% conditional, Growth Saver
- Arab Bank Australia 4.85% conditional, Personal Online Savings Account
- Australian Military Bank 5.10% conditional, Online Saver
- Australian Mutual Bank ranked for personal, SMSF and business accounts only
- Auswide Bank 3.56% conditional, Bonus Plus Saver
- Bank Australia 5.35% conditional, Bonus Saver
- Bank First 5.30% conditional, First Home Bonus Saver Account
- Bank of China 0.05% conditional, Online Saver
- Bank of Melbourne 5.65% conditional, Incentive Saver
- Bank of Sydney 5.25% conditional, BOS Saver
- Bank of us 5.50% conditional, Spring Load
- BankSA 5.65% conditional, Incentive Saver
- BankVic ranked for personal and SMSF accounts only
- BankWAW 5.20% conditional, WAW Bonus Saver
- Bankwest 5.50% conditional, Easy Saver
- BCU Bank 5.50% conditional, Boss Saver
- Bendigo Bank 5.00% conditional, Reward Saver
- Beyond Bank Australia 4.90% conditional, Purple Bonus Saver
- BNK Bank 4.50% conditional, Cash Management Account
- BOQ 5.20% conditional, Simple Saver Account
- BOQ Specialist ranked for personal, SMSF and business accounts only
- Border Bank 0.90% conditional, Savings Plus Account
- Broken Hill Bank 1.88% conditional, eCall Savings Account
- Cairns Bank 3.00% conditional, Online Saver Account
- Central Murray Bank 0.55% conditional, Christmas Club Account
- Central West Credit Union 2.25% conditional, S8 E Access Saver Account
- Coastline Bank 5.50% conditional, Bonus Reward Saver
- CommBank 5.50% conditional, GoalSaver
- Community First Bank 4.60% conditional, Goal Saver
- Credit Union SA 4.00% conditional, Bonus Savings Account
- Darling Downs Bank 3.15% conditional, Cash Manager Online
- Defence Bank 5.30% conditional, Max E Saver
- Dnister 5.25% conditional, Max Saver
- Easy Street 5.30% conditional, Flex Saver
- Fire Service Credit Union ranked for personal, SMSF and business accounts only
- Firefighters Mutual Bank ranked for personal accounts only
- First Option Bank 3.44% conditional, Save Account
- Gateway Bank 4.60% conditional, Goal Saver
- Geelong Bank 3.75% conditional, Christmas Club Account
- GMCU 4.80% conditional, Advantage Saver
- Great Southern Bank 5.50% conditional, Home Saver
- Great Southern Bank Business+ ranked for SMSF and business accounts only
- Greater Bank 4.50% conditional, Bonus Saver
- Health Professionals Bank ranked for personal accounts only
- Heartland 4.55% conditional, MySavings Account
- Horizon Bank 3.50% conditional, Direct
- Hume Bank 5.30% conditional, Reward Saver
- IMB Bank 3.70% conditional, Reward Saver Account
- ING 6.00% conditional, Savings Maximiser
- Judo Bank 5.60% conditional, Personal Savings Account
- Laboratories Credit Union 4.36% conditional, Savvy Saver
- Macquarie Bank 5.25% conditional, Savings Account
- ME Bank 4.85% conditional, SaveME
- MoveBank 5.45% conditional, Bonus Saver
- MyState Bank 5.50% conditional, Bonus Saver
- NAB 5.25% conditional, Reward Saver
- Newcastle Permanent 5.60% conditional, Smart Saver Account
- Northern Inland Credit Union 4.05% conditional, Bonus Saver
- Orange Credit Union 4.51% conditional, Online Saver
- P&N Bank 5.50% conditional, Savvy Saver Account
- People First Bank / Heritage Bank 5.55% conditional, Dream Fund
- Police Bank 0.90% conditional, Savings Plus Account
- Police Credit Union 5.35% conditional, Focus Saver Account
- QBank ranked for personal accounts only
- Qudos Bank 5.35% conditional, Bonus Saver
- Queensland Country Bank 4.55% conditional, Bonus Saver
- Rabobank 5.65% conditional, PremiumSaver
- RACQ Bank ranked for personal accounts only
- Regional Australia Bank 5.25% conditional, Savings Booster Account
- Revolut 3.00% conditional, Instant Access Savings
- Southern Cross Credit Union 5.45% conditional, Star Saver
- St.George Bank 5.65% conditional, Incentive Saver
- Summerland Bank 4.75% conditional, Bonus Saver
- Suncorp Bank 5.60% conditional, Growth Saver Account
- SWS Bank 2.00% conditional, Online Saver
- Teachers Mutual Bank ranked for personal accounts only
- The Capricornian 4.99% conditional, Bonus Saver Account
- The Mac 2.00% conditional, Christmas Saver
- The Mutual Bank 4.25% conditional, Bonus Saver
- Traditional Credit Union ranked for personal and business accounts only
- Transport Mutual Credit Union 3.00% conditional, Christmas Club Account
- Tyro ranked for business accounts only
- UBank 5.60% conditional, Save Account
- UniBank ranked for personal accounts only
- Unity Bank 4.85% conditional, Bonus Saver Account
- Up 5.85% conditional, Saver
- Virgin Money 5.80% conditional, Boost Saver
- Westpac 5.50% conditional, Life
- Woolworths Team Bank ranked for personal accounts only
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.