Judo BankSMSF Savings Account
A High Interest at-call savings account for SMSF's with a bonus interest rate if monthly criteria is met.
Savings & transaction accountsBank updated 8 Oct 2026
At a glance
- Up to
- 5.36%
- Base rate
- 0.05%
- Bonus rate
- 5.31%
Rates
Every rate Judo Bank publishes for this account, 4 in all.
How the rate is made up
5.36%in a month every condition is met
0.05% base rate5.31% bonus, when its conditions are met
To earn the bonus
- To trigger the bonus rate, simply deposit $500 or more into the account each calendar month. This suits funds in accumulation phase or those holding cash buffers.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| BonusInterest is calculated daily and paid monthly on your balance at a tiered interest rate. | - | - | $1–$250,000 | 5.31% | - | paid every 1 mo; To trigger the bonus rate, simply deposit $500 or more into the account each calendar month. This suits funds in accumulation phase or those holding cash buffers.; Deposit $500 within the month. |
| BonusInterest is calculated daily and paid monthly on your balance at a tiered interest rate. | - | - | $2,000,001+ | 4.06% | - | paid every 1 mo; To trigger the bonus rate, simply deposit $500 or more into the account each calendar month. This suits funds in accumulation phase or those holding cash buffers.; Deposit $500 within the month. |
| BonusInterest is calculated daily and paid monthly on your balance at a tiered interest rate. | - | - | $250,001–$2,000,000 | 4.56% | - | paid every 1 mo; To trigger the bonus rate, simply deposit $500 or more into the account each calendar month. This suits funds in accumulation phase or those holding cash buffers.; Deposit $500 within the month. |
| VariableInterest is calculated daily and paid monthly on your balance at a tiered interest rate. | - | - | - | 0.05% | - | paid every 1 mo |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Bonus, $1–$250,000 | 5.06% | 5.31% | up 0.25 |
| 9 Oct 2026 | Bonus, $2,000,001+ | 3.81% | 4.06% | up 0.25 |
| 9 Oct 2026 | Bonus, $250,001–$2,000,000 | 4.31% | 4.56% | up 0.25 |
Each change is logged the night it appears in the rates Judo Bank publishes. See how every lender answered the RBA on the rate tracker.
Features
Digital banking
- Funds via Direct Entry.
Eligibility and limits
- Minimum age 18
- Residency: The person applying for the account must be: over 18 years of age; an Australian citizen or Permanent resident; an Australian resident for tax purposes; and living at an Australian residential address.
- Minimum balance $1
- Opening balance $1
- Judo SMSF Savings Account - only available to one corporate trustee of an SMSF or two to four individual trustees.
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Published by Judo Bank under the Consumer Data Right, last changed by them on 8 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.