The Finance Algorithm
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PremiumSaver (SMSF)

Reward yourself with a higher rate for your good savings habits. Our PremiumSaver is simple, by growing your monthly balance your interest rate increases.

Savings & transaction accountsBank updated 13 Oct 2026
Apply at Rabobank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Up to
4.85%
Base rate
0.70%
Bonus rate
4.15%
Monthly fee
$0

Rates

Every rate Rabobank publishes for this account, 10 in all.

How the rate is made up

4.85%in a month every condition is met

0.70% base rate4.15% bonus, when its conditions are met

To earn the bonus

  • Balance increased by $200 a month, excluding interest paid
TypeApplies toTermBandRateComparisonConditions
BonusBonus Variable Rate--up to $250,0004.15%-paid every 1 mo; Balance increased by $200 a month, excluding interest paid; Balance increased by $200 a month, excluding interest paid
BonusBonus Variable Rate--$1,000,000–$2,000,0003.00%-paid every 1 mo; Balance increased by $200 a month, excluding interest paid; Balance increased by $200 a month, excluding interest paid
BonusBonus Variable Rate--$2,000,000–$3,000,0003.00%-paid every 1 mo; Balance increased by $200 a month, excluding interest paid; Balance increased by $200 a month, excluding interest paid
BonusBonus Variable Rate--$250,000–$1,000,0003.00%-paid every 1 mo; Balance increased by $200 a month, excluding interest paid; Balance increased by $200 a month, excluding interest paid
BonusBonus Variable Rate--$3,000,000+3.00%-paid every 1 mo; Balance increased by $200 a month, excluding interest paid; Balance increased by $200 a month, excluding interest paid
VariableMinimum Variable Rate--up to $250,0000.70%-paid every 1 mo; Balance not increased by $200 a month, excluding interest paid
VariableMinimum Variable Rate--$1,000,000–$2,000,0000.70%-paid every 1 mo; Balance not increased by $200 a month, excluding interest paid
VariableMinimum Variable Rate--$2,000,000–$3,000,0000.70%-paid every 1 mo; Balance not increased by $200 a month, excluding interest paid
VariableMinimum Variable Rate--$250,000–$1,000,0000.70%-paid every 1 mo; Balance not increased by $200 a month, excluding interest paid
VariableMinimum Variable Rate--$3,000,000+0.70%-paid every 1 mo; Balance not increased by $200 a month, excluding interest paid

Rate changes

10 changes logged, newest first.

DateRateWasNowChange
14 Oct 2026Bonus, up to $250,0004.05%4.15%up 0.10
14 Oct 2026Bonus, $1,000,000–$2,000,0002.90%3.00%up 0.10
14 Oct 2026Bonus, $2,000,000–$3,000,0002.90%3.00%up 0.10
14 Oct 2026Bonus, $250,000–$1,000,0002.90%3.00%up 0.10
14 Oct 2026Bonus, $3,000,000+2.90%3.00%up 0.10
14 Oct 2026Variable, up to $250,0000.55%0.70%up 0.15
14 Oct 2026Variable, $1,000,000–$2,000,0000.55%0.70%up 0.15
14 Oct 2026Variable, $2,000,000–$3,000,0000.55%0.70%up 0.15
14 Oct 2026Variable, $250,000–$1,000,0000.55%0.70%up 0.15
14 Oct 2026Variable, $3,000,000+0.55%0.70%up 0.15

Each change is logged the night it appears in the rates Rabobank publishes. See how every lender answered the RBA on the rate tracker.

Fees

One fee published, grouped by when they're charged.

While you hold it1

  • Account keeping fee
    No fee

Features

Digital bankingUnlimited transactions
  • From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.

Eligibility and limits

  • Minimum age 18
  • Residency: Each SMSF trustee owner of an account must be residing in and tax resident of Australia.
  • SMSF products are available only to SMSF trustees.
  • New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge fees and has no minimum balance requireme…
  • Funds can only be transferred externally to the nominated linked account.

Published by Rabobank under the Consumer Data Right, last changed by them on 13 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.