The CapricornianBonus Saver Account
A high interest savings account offering monthly bonus interest upon meeting all the criteria and performing no debits on the account for the entirety of the calendar month.
At a glance
- Up to
- 5.00%
- Base rate
- 0.10%
- Bonus rate
- 4.90%
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 | 5.00% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 33rd highest of 51, level with one other |
| Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met | 0.10% | 3.45%Heritage's Online Saver Account | 0.10%of 43 institutions | 18th highest of 43, level with 10 others |
Rates
Every rate The Capricornian publishes for this account, 2 in all.
How the rate is made up
5.00%in a month every condition is met
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus0.10% interest is applied to the entirety of the balance regardless of whether or not the bonus criteria is met. | - | - | $100–$250,000 | 4.90% | - | paid every 1 mo; Atleast $100 has to be deposited throughout the month, No Debits/Withdrawals at all on the account during the month, Account to stay open throughout the entire duration of the calendar month. |
| VariableBase interest rate for the Bonus Saver account that is applied to the entirety of the balance of the account regardless of whether or not the Bonus Criteria was met. | - | - | - | 0.10% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Bonus, $100–$250,000 | 4.65% | 4.90% | up 0.25 |
Each change is logged the night it appears in the rates The Capricornian publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
When you make a transaction1
- Staff Assisted Withdrawal Fee
Fee is charged whenever a withdrawal is performed by a staff member on behalf of the member at their request. Exemptions apply for customer's aged 25 years and younger, as well as 65 years and older.
$3
Features
Eligibility and limits
- No Direct Debits. Direct Debits are unable to be setup to the Bonus Saver Account.
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Published by The Capricornian under the Consumer Data Right, last changed by them on 9 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.