Best Savings accounts for 2026
7 AU providers compared side by side — with a live cost calculator, independent scores, pros and cons, and a quick match finder.
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Business banking, compared
7 US providers · ranked live by real data · hands-on reviews
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Your cost · re-ranks live
Foreign spend / mo$500
ATM withdrawals / mo4
7 providers
Bankwest Easy Saver VerifiedEditor's pick
Strong intro rate plus the best unconditional fallback in the field
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on provider site
5.75% p.a. for 4 months5.00% p.a. ongoing, no conditionsNo fees, no minimum
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
5.75% p.a. introductory rate for 4 months on balances up to A$250,000.99
5.00% p.a. ongoing rate with NO behavioural conditions once the intro period ends
Backed by Commonwealth Bank infrastructure, no fees or minimum balance
No joint accounts, and a 2-year lockout before requalifying for another intro rate
Above A$250,000.99, the ongoing rate drops sharply to 2.10% p.a.
0.0
Ubank Save Verified
The mildest bonus condition in the market, with the top-rated banking app
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on provider site
5.85% p.a. welcome, 5.10% ongoingEasiest bonus condition: grow by just A$14.7★ app, 51,000+ ratings
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Easiest bonus condition in the market — grow your Save balance by just A$1/month
Highest-rated banking app in this comparison (4.7★, 51,000+ ratings)
Bonus rate cap of A$1 million, the highest in the field
Base rate is 0.00% — missing the A$1 growth condition means an entire month with no interest at all
5.85% welcome rate lasts only 4 months, then drops to the ongoing 5.10%
4.7
ING Savings Maximiser Verified
The highest ongoing rate for disciplined monthly savers
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on provider site
5.50% p.a. ongoing, no intro cliffLarge customer base, established brand$0 fees
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
5.50% p.a. — the highest ONGOING (non-introductory) rate in our comparison
Bonus applies indefinitely, no introductory cliff to worry about
$0 fees and a large, established customer base
Strictest conditions in the field: 4 requirements including a mandatory balance-growth rule
Lowest rate cap (A$100,000) and a near-zero 0.01% base rate if you miss a condition
3.2
AMP Bank GO Save VerifiedBest unconditional rate
A flat 5.10% p.a. with zero behavioural conditions
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on provider site
5.10% p.a. flat, no conditionsNo minimum balanceApp-only GO banking platform
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
5.10% p.a. — the highest fully unconditional rate in our comparison
No minimum balance required to earn interest, and no deposit/growth conditions
Balance cap of A$500,000 for the rate, double most competitors' introductory-tier caps
App-only banking (GO platform) — no classic online banking portal
Lower headline peak rate than the best conditional/introductory offers (5.10% vs up to 5.90%)
0.0
Macquarie Bank Savings Account Verified
A high, fully unconditional ongoing rate up to $2 million
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on provider site
5.00% p.a. ongoing, no conditionsCap up to A$2 million$0 fees incl. transaction account
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Zero behavioural conditions once the welcome rate ends — the highest no-strings ongoing rate from a full bank
Very high balance cap (A$2 million) versus most competitors' $100k-$250k caps
Completely fee-free, including the linked transaction account
Welcome rate boost lasts only 4 months and only on the first account
Banking app rated only middling (3.8) in the Australian App Store
3.8
Rabobank Australia High Interest Savings VerifiedHighest headline rate
The single highest headline rate on the market
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on provider site
5.90% p.a. for 4 monthsNo conditions during intro periodNo own transaction account required
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
5.90% p.a. — the highest rate in our entire comparison
Zero behavioural conditions during the 4-month introductory window
No need to hold a Rabobank transaction account — fund from any Australian bank account
Steepest rate cliff in the field: falls to 4.00% p.a. after 4 months, the lowest ongoing rate here
Introductory rate is one-time-only, for new customers' first account
0.0
Judo Bank Personal Savings Account Verified
One simple condition: deposit A$300 a month
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on provider site
5.35% p.a., one simple conditionNo bank-switching requiredNo intro cliff
Monthly fee
$0
no minimums
Signup bonus
—
FX fee
0%
no FX markup
Cost / yr
$0
re-ranks live
Only condition is a A$300/month deposit — no balance-growth rule, no card-spend rule, withdrawals don't affect eligibility
No need to switch your everyday bank — link any external Australian account
Bonus rate applies indefinitely, no introductory cliff
Base rate falls to just 0.05% p.a. if the A$300 monthly deposit is missed
Young challenger bank with a smaller, less-tested app rating base (314 ratings)
4.7