Unity Bank
MoneyMAX
Higher interest savings account with restricted range of payment services
Savings & transaction accountsBank updated 11 June 2026
At a glance
- Base rate
- 4.50%
- Monthly fee
- $7
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe interest rate that applies to any overdrawn amounts. This is calculated daily and charged monthly. | — | — | — | 0.00% | — | — |
| VariableInterest is calculated on your daily balance and paid each month, which adds to your overall account balance. | — | — | — | 4.50% | — | paid every 1 mo |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000 | Deposit | $50 | — | A processing fee charged when you deposit foreign cheques over $25,000 |
| FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000 | Deposit | $20 | — | A processing fee charged when you deposit foreign cheques up to $25,000 |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | Deposit | $10 | — | A processing fee charged when you receive funds through this channel |
| DORMANCY_FEE | Periodic | $20 | Every 1 yr | A fee charged if your account remains inactive for 7 years, and we will treat your account as dormant. We have a legal obligation to remit dormant balances exceeding $500 to ASIC as unclaimed money |
| MONTHLY_ACCOUNT_FEE | Periodic | $5 | Every 1 mo | Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Unde… |
| PAPER_STATEMENT_FEE | Periodic | $2 | Every 1 mo | A fee charged to cover the cost of producing and sending paper statements |
| QUICKDEBIT_DISHONOUR_FEE | Transaction | $20 | — | A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you |
| TELEGRAPHIC_TRANSFER_-_AUSTRALIAN | Transaction | $50 | — | A fee charged for an online Australian transfer |
| TELEGRAPHIC_TRANSFER_-_ONLINE | Transaction | $20 | — | A fee charged for an online foreign transfer |
| TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE | Transaction | $30 | — | A fee charged for a staff assisted foreign transfer |
| OUTWARD_RTGS_PAYMENT_FEE | Withdrawal | $30 | — | A Processing fee charged when you require funds to be sent straight away |
§ 03 — Features
Instant paymentsPayIDFraud protectionUnlimited transactions
- · Backed by the Government Deposit Guarantee for deposits up to $250,000
§ 04 — Eligibility & limits
- · Residency: Permanent Resident
- · Available to individuals
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Unity Bank under the Consumer Data Right, last changed by them on 11 June 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.