Border BankBonus Saver Account
This is a special purpose savings account created to enable you to earn extra interest if you do not withdraw funds. Funds are available at call. You can use Internet on the account.
At a glance
- Up to
- 4.80%
- Base rate
- 0.05%
- Bonus rate
- 4.75%
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.
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.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Bonus savings accountBase plus bonus, when every condition is met | 4.80% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 38th highest of 51, level with one other |
| Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met | 0.05% | 3.45%Heritage's Online Saver Account | 0.10%of 43 institutions | 29th highest of 43, level with 6 others |
Rates
Every rate Border Bank publishes for this account, 5 in all.
How the rate is made up
4.80%in a month every condition is met
To earn the bonus
- Max withdrawals
- Min deposit amount
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus | - | - | - | 4.75% | - | paid every 1 mo; Max withdrawals; Min deposit amount; Whole Balance Monthly. Bonus Interest rate applies if no withdrawals and a minimum deposit of $100 are made within a month |
| VariableMay be applicable if your account becomes overdrawn | - | - | - | 11.96% | - | - |
| VariableBalance $0 to $499 | - | - | up to $499 | 0.05% | - | paid every 1 mo |
| VariableBalance $10,001 or more | - | - | $10,001+ | 0.05% | - | paid every 1 mo |
| VariableBalance $500 to $10,000 | - | - | $500–$10,000 | 0.05% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 1 Nov 2026 | Bonus | 4.50% | 4.75% | up 0.25 |
Each change is logged the night it appears in the rates Border Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
When you make a transaction2
- Counter Cash withdrawal $25,000 and over
Per cash withdrawal $25,000 or over
$50 - Counter Cash withdrawal fee up to $24,999
First 3 free if part of Reduced Fees program
$2
When particular things happen5
- Additional Statement Fee
$1.50 per page. Payable if and when you request an additional statement.
$5 - Default Notice Fee
Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter
$21.50 - Document Retrieval Fee
Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee. Payable on request for documents to be retrieved
No fee - Dormant Accounts fee
After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions.
$10 - Third Party Costs
At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request.
No fee
Features
- Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions…
- Bonus Interest Rate available. Minimum of $100 to be deposited each month in order to achieve bonus interest. If a withdrawal is made in a month then no bonus interest will be paid.
- Direct Credits. Make regular credits like your pay into this account
- Direct Credits. Set regular payments like your pay sent straight to your account
- Direct Debits. Set up Direct Debits from this account
- ATM withdrawals. up to $1000
- Periodical Payments. Can set up Periodical Payments
- Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™
- Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Border Bank assesses the risk of the tra…
- Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participatin…
- Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discoun…
- Confirmation Of Payee
Eligibility and limits
- Minimum age 18
- Residency: Australian Residents
- Available to individuals
- Bonus Saver Account is only available to Australian Customs and Border Protection Services and Australian Quarantine Inspection Services (Core Members)
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Published by Border Bank under the Consumer Data Right, last changed by them on 1 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.