Savings & transaction accounts
Base and bonus rates with the conditions attached, balance tiers and monthly fees.
830 accounts from 98 banks, read every night from what each one publishes under the Consumer Data Right.
Go to every accountEvery institution's best rate, today
As published on 7 November 2026Big four: CommBank 0.10%, Westpac 1.25%, NAB 1.85%, ANZ 0.01%Everyone else, 43 in all
What a bonus account pays in a month its conditions aren't met. One dot per institution, at its highest base rate on a bonus savings account anyone can apply for; hover or tap a dot for its name.
What are the best savings account rates today?
As of 7 November 2026, the highest bonus savings rate is 5.75%, from Defence Bank Limited's iSaver, while the typical best across 51 institutions is 5.25%. The highest savings rate with no bonus conditions is 4.80%, from MoveBank's Online Saver, while the typical best across 61 institutions is 2.25%. The highest base rate on a bonus savings account is 3.45%, from Heritage's Online Saver Account, while the typical best across 43 institutions is 0.10%.
Each institution counts once, at its best product anyone can apply for, so the typical figure is the middle one: half do better, half worse. Pick a rate to see every product behind it.
| Rate | Best anywhere | Typical institution |
|---|---|---|
| Bonus savings accountBase plus bonus, when every condition is met | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions |
| No bonus conditionsPaid whatever you deposit or spend | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions |
| Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met | 3.45%Heritage's Online Saver Account | 0.10%of 43 institutions |
Savings & transaction accounts, highest rate first
As of 7 November 2026, the highest savings rate open to anyone is up to 5.75%, from Defence Bank Limited's iSaver: 0.50% base plus a 5.25% bonus when its conditions are met. 2 other accounts offer the same rate.
Base rateBonus, paid when its conditions are met
| Product | Up tohighest first | Base | Bonus | Bonus conditions | Monthly fee | Balance |
|---|---|---|---|---|---|---|
| Defence Bank Limited iSaver | 5.75% | 0.50% | 5.25% | See product | - | Up to $250,000 |
| ING Savings Maximiser | 5.75% | 0.01% | 5.74% | For customers who also have an Orange Everyday bank account and do this each month: Make 5 or more settled (not pending) eligible ING card purchases; For customers who also have an Orange Everyday bank account and do this each month: Grow their nominated Savings Maximiser balance (excluding interest earned for the current month).; For customers who also have an Orange Everyday bank account and do this each month: Deposit at least $1,000 from an external source to an Orange Everyday, Savings Maximiser, Savings Accelerator, Pers… | $0 | Up to $5,000,000 |
| MoveBank Growth Saver | 5.75% | 0.10% | 5.65% | Minimum $200 in deposits (credits) to the account during the calendar month.; No withdrawals from the account during the calendar month. | - | - |
| Rabobank PremiumSaver | 5.65% | 0.80% | 4.85% | Balance increased by $200 a month, excluding interest paid | $0 | - |
| Judo Bank Personal Savings Account | 5.60% | 0.05% | 5.55% | To trigger the bonus rate, simply deposit $300 or more into your savings account each calendar month. | - | From $1 |
| People First Bank Dream Fund | 5.55% | 0.01% | 5.54% | See product | - | - |
| Bank of us Spring Load | 5.50% | 0.00% | 5.50% | See product | - | Up to $1,000,000 |
| Great Southern Bank Home Saver | 5.50% | 0.50% | 5.00% | See product | - | - |
| NAB NAB iSaver | 5.50% | 1.85% | 3.65% | Introductory bonus margin is only available for a period of 4 months to customers who have not held a NAB iSaver in the last 12 months (on balances up to $20 million). | - | - |
| MoveBank Bonus Saver | 5.45% | 0.10% | 5.35% | Minimum $200 in deposits (credits) to the account during the calendar month.; No withdrawals from the account during the calendar month. | - | - |
| Bank of Melbourne Incentive Saver | 5.40% | 0.01% | 5.39% | To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0.; To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0. | $0 | - |
| BankSA Incentive Saver | 5.40% | 0.01% | 5.39% | To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0.; To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0. | $0 | - |
| St. George Bank Incentive Saver | 5.40% | 0.01% | 5.39% | To earn Bonus interest rates, grow your account by at least $0.01 a month for customers under 21 and keep your balance above $0.; To earn Bonus interest rates, grow your account by at least $50 a month for customers 21 or over and keep your balance above $0. | $0 | - |
| ANZ Plus ANZ Plus Growth Saver | 5.35% | 0.10% | 5.25% | Grow your savings by $100 or more (on top of any interest you receive) each month to earn a bonus rate with ANZ Plus Growth Saver | - | - |
| Bank Australia Bonus Saver | 5.35% | 0.10% | 5.25% | Bonus interest when you deposit at least $100 each month.; Bonus interest when you make no withdrawals in a calendar month | - | - |
| bcu Power Saver | 5.35% | 0.50% | 4.85% | Rate available to existing customers.; Rate is applied when no withdrawals are made within the calendar month.; Rate is applied when a minimum of $100 is deposited within the calendar month.; Rate available for new accounts.; Rate available to new customers.; Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate. | - | Up to $5,000,000 |
| P&N Bank Smart Saver Account | 5.35% | 0.50% | 4.85% | Rate available to existing customers.; Rate is applied when no withdrawals are made within the calendar month.; Rate is applied when a minimum of $100 is deposited within the calendar month.; Rate available for new accounts.; Rate available to new customers.; Bonus interest is paid on balances up to $250,000 with balances in excess of $250,000 receiving the standard rate. | - | Up to $250,000 |
| Police Credit Union Limited Focus Saver Account | 5.35% | 0.00% | 5.35% | See product | - | - |
| Qudos Bank Bonus Saver | 5.35% | 0.10% | 5.25% | Bonus interest when you deposit at least $100 in a calendar month.; Bonus interest when you make no withdrawals in a calendar month. | - | - |
| Suncorp Bank Growth Saver Account | 5.35% | 0.10% | 5.25% | Minimum balance increase per month of $200; Maximum of 1 withdrawal per month | $0 | - |
| UBank Save account | 5.35% | - | 5.35% | See product | - | - |
| Bank of us Save up | 5.30% | 0.40% | 4.90% | See product | - | - |
| Bank First Production Bonus Saver Account | 5.30% | 0.05% | 5.25% | Bonus interest additional to the base rate is earned when at least one deposit of a minimum of $1.00 and no withdrawals are made in the month.; Bonus interest additional to the base rate is earned when at least one deposit of a minimum of $1.00 and no withdrawals are made in the month. | $0 | - |
| Bank First Production First Home Bonus Saver Account | 5.30% | 0.05% | 5.25% | See product | $0 | - |
| Defence Bank Limited Max E Saver | 5.30% | 0.10% | 5.20% | See product | - | - |
| Hume Bank Limited Reward Saver | 5.30% | 0.01% | 5.29% | min deposit amount | - | - |
| Virgin Money Australia Virgin Money Boost Saver | 5.30% | 0.05% | 5.25% | See product | $0 | - |
| Bankwest Hero Saver | 5.25% | 0.00% | 5.25% | See product | $0 | - |
| CommBank GoalSaver | 5.25% | 0.10% | 5.15% | We pay bonus interest on top of the standard variable credit interest rate on credit balances if you make at least one deposit each calendar month into your account.; We pay bonus interest on top of the standard variable credit interest rate on credit balances if you have a higher account balance at the end of the month compared to the account balance at the start… | $0 | - |
| Dnister Bank Max Saver | 5.25% | 0.05% | 5.20% | See product | - | Up to $1,000,000 |
| NAB NAB Reward Saver | 5.25% | 0.01% | 5.24% | To receive bonus interest for the month, customer must make at least one deposit on or before the second last banking day and no withdrawals. | - | - |
| Regional Australia Bank Savings Booster Account | 5.25% | 0.00% | 5.25% | min deposit amount; max withdrawal amount | $0 | Up to $250,000 |
| Westpac Westpac Life | 5.25% | 0.10% | 5.15% | Account balance must not fall below $0 at any time. Make at least one deposit. Interest paid into the account doesn't count. Account balance on the last business day of the month is higher than the a…; deposit balance increased | $0 | - |
| bankWAW WAW Bonus Saver | 5.20% | 0.05% | 5.15% | See product | - | - |
| My State PM Production Bonus Saver | 5.20% | - | 5.20% | See product | - | - |
| SCCU LITTLE STAR SAVER | 5.20% | 1.00% | 4.20% | See product | - | - |
| SCCU STAR SAVER | 5.20% | 1.00% | 4.20% | See product | - | - |
| Dnister Bank Bonus Saver | 5.15% | 0.05% | 5.10% | See product | - | - |
| AMB Bank Product Online Saver | 5.10% | 0.10% | 5.00% | See product | - | Up to $500,000 |
| Great Southern Bank Future Saver | 5.10% | 0.10% | 5.00% | See product | - | - |
| Bendigo Bank Bendigo Reward Saver | 5.00% | 0.10% | 4.90% | In addition to interest paid by us. | - | - |
| The Capricornian Bonus Saver Account | 5.00% | 0.10% | 4.90% | See product | - | - |
| Beyond Bank Australia Purple Bonus Saver | 4.90% | 0.01% | 4.89% | Deposit at least $50 into the account each month. | - | - |
| Woolworths Team Bank Bonus Saver Account | 4.90% | 0.10% | 4.80% | See product | - | Up to $100,000 |
| Heritage Online Saver Account | 4.85% | 3.45% | 1.40% | See product | - | From $1 |
| Unity Bank Bonus Saver Account | 4.85% | 0.10% | 4.75% | See product | $5 | - |
| Border Bank Bonus Saver Account | 4.80% | 0.05% | 4.75% | max withdrawals; min deposit amount | - | - |
| Goulburn Murray Credit Union Co-Operative Ltd Advantage Saver | 4.80% | 0.01% | 4.79% | See product | - | - |
| MoveBank Online Saver | 4.80% | 4.80% | - | None | - | - |
| Summerland Bonus Saver | 4.75% | - | 4.75% | min deposit amount | - | - |
361 of 830 accounts match these filters. 366 with restricted eligibility (staff, profession, age, green or business-only) are hidden.
Published by each institution under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.