Judo BankPersonal Savings Account
A High Interest at-call savings account with bonus interest rates if monthly criteria is met.
At a glance
- Up to
- 5.60%
- Base rate
- 0.05%
- Bonus rate
- 5.55%
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 | 5.60% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 5th highest of 51 |
| 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 Judo Bank publishes for this account, 4 in all.
How the rate is made up
5.60%in a month every condition is met
To earn the bonus
- To trigger the bonus rate, simply deposit $300 or more into your savings account each calendar month.
| 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 | 5.55% | - | paid every 1 mo; To trigger the bonus rate, simply deposit $300 or more into your savings account each calendar month.; Deposit $300 within the month. |
| BonusInterest is calculated daily and paid monthly on your balance at a tiered interest rate. | - | - | $2,000,001+ | 0.00% | - | paid every 1 mo; To trigger the bonus rate, simply deposit $300 or more into your savings account each calendar month.; Deposit $300 within the month. |
| BonusInterest is calculated daily and paid monthly on your balance at a tiered interest rate. | - | - | $250,001–$2,000,000 | 5.05% | - | paid every 1 mo; To trigger the bonus rate, simply deposit $300 or more into your savings account each calendar month.; Deposit $300 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
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Bonus, $1–$250,000 | 5.30% | 5.55% | up 0.25 |
| 9 Oct 2026 | Bonus, $250,001–$2,000,000 | 4.80% | 5.05% | 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
- Fund 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.
- Available to individuals
- Minimum balance $1
- Opening balance $1
- Can be a Joint -applicant
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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.