At a glance
- Up to
- 5.25%
- Base rate
- 0.05%
- Bonus rate
- 5.20%
- Intro rate
- 0.10% for 1 mo
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 | 5.25% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 24th highest of 51, level with 4 others |
| 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 Dnister Bank publishes for this account, 3 in all.
How the rate is made up
5.25%in a month every condition is met
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| BonusTo earn the Bonus Rate deposit $1,500 per month, withdraw up to $1,000 per month (maximum 4 withdrawals per month). | - | - | - | 5.20% | - | paid every 1 mo; Bonus Rate |
| IntroductoryThe Introductory Rate applies for a period of one month upon account opening. | - | 1 mo intro | - | 0.10% | - | paid every 1 mo |
| VariableBase rate - $1.00 and over | - | - | - | 0.05% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 16 Oct 2026 | Bonus | 4.60% | 5.20% | up 0.60 |
Each change is logged the night it appears in the rates Dnister publishes. See how every lender answered the RBA on the rate tracker.
Fees
17 fees published, grouped by when they're charged.
While you hold it1
- Dormant Account$35 a year
When particular things happen16
- Bank Cheque Fee$12
- BPAY Trans Investigation$10
- BPAY/PP Returned Fee$25
- Copy of Interest Summary$10
- Copy of statement of accounts$6
- Corporate Cheque Stop Request$12
- Foreign Cash/Cheque Deposit$30
- Foreign Cash/Chq/Travel Money$30
- Inter Credit Union Withdrawal$10
- Inward Cheque Dishonour Fee$20
- Mbr Chq / PP Trace Fee$60
- Member Cheque Copy Fee$20
- Paper Statement Fee
Only customers older than a minimum age receive the discount
$4 - Paper Statement Fee
Only customers older than a minimum age receive the discount
$6 - Presented Stopped Cheque Fee$35
- Thomas Cook Draft Fee$20
Features
Eligibility and limits
- Available to individuals
- This product is only available for personal accounts with a limit of one account per member.
Compare it with others
Put this product through a calculator
Published by Dnister under the Consumer Data Right, last changed by them on 16 Oct 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.