bcuBoss Saver
Want a savings account to deposit and hold or withdraw money for personal use without being penalised? A savings account that earns you additional bonus interest when the monthly bonus interest criteria is met each month.
At a glance
- Base rate
- 0.20%
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 0.20% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 50th highest of 61, level with one other |
Rates
Every rate bcu publishes for this account, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bundle bonus | - | - | - | 5.30% | - | paid every 1 mo; Rate available to existing customers.; Rate is applied when you deposit at least $500 into your eligible transaction account from an external source.; Rate is applied when you make 5 eligible Visa Debit card transactions from your linked transaction account.; Rate available for new accounts.; Rate available to new customers.; Bonus interest is paid on balances up to $100,000 with balances in excess of $100,000 receiving the standard rate.; Bonus interest is applied on balances upto $100,000. When you deposit at least $500 into your eligible transaction account from an external source and make 5 eligible Visa Debit card transactions fro… |
| Variable | - | - | up to $100,000 | 0.20% | - | paid every 1 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
| VariableRate available to new customers. | - | - | $100,000+ | 0.20% | - | paid every 1 mo; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Bundle bonus | 5.05% | 5.30% | up 0.25 |
Each change is logged the night it appears in the rates BCU Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
15 fees published, grouped by when they're charged.
When you make a transaction7
- Cash Handling Fee
Coin and note deposits are available at BCU branches. Coin deposits must be counted and bagged by customers or you will be charged 5% of the coin amount. Note deposits more than $10,000 per day will…
0.03% of transaction - International Transfer Fee
Per online banking transfer sent in a foreign currency.
$15 - Manual External Transfer Fee
Staff assisted manual transfer to another organisation. Charged per transfer.
$2.50 - Manual Trace Fee
Charged for your request to manually trace a payment to confirm receipt of payment.
$40 - Overseas Telegraphic Transfer
$45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency.
$45 - RTGS From Another Bank
Per payment received into your account. To cover the cost of processing 'SWIFT' payments from overseas and same day local payments through 'RTGS' (Real Time Gross Settlement) systems.
$8 - RTGS To Another Bank
Per payment sent from your account. To cover the cost of processing 'SWIFT' payments as same day local payments through 'RTGS' (Real Time Gross Settlement) systems.
$25
If a payment is late or fails2
- Auto Transfer Dishonour Fee
Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made.
$6 - Dishonour Fee
Where a direct debit is dishonoured due to insufficient funds.
$6
When particular things happen6
- Audit Certificate Fee
Charged per audit certificate request.
$30 - Bank Cheque Fee
Per bank cheque requested by you.
$10 - Cash Passport Fee
For the initial activation and each currency top-up requested in branch.
$10 - Overdrawn Account Management Fee
A fee applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow…
$10 - Referral Fee
Where an account has insufficient available funds to cover a direct debit transaction, and the transaction is honoured by BCU Bank.
$3.50 - Statement Retrieval Fee
Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement.
$2.50
Features
- Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us or visit your…
- Earn bonus interest, when you deposit at least $500 into your eligible transaction account from an external source and make 5 eligible Visa Debit card transactions from your linked transaction accoun…
Eligibility and limits
- Minimum age 18
- Residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.
- Available to individuals
- You must be or become a BCU Bank member
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Published by BCU Bank under the Consumer Data Right, last changed by them on 2 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.