Personal project to compare Savings Accounts

My pick filter highlights referral bonus offers and banks with fewer restrictions or limits, not just the highest rates.

UBank

Saving Account

Savings Account

Max Rate

4-Month Promo

5.10%

5.85%

↗ Offer

📊 5.10% on first $1.0M

Base 5.10%

Bonus —

Min Balance —

💰

Salary Credit Not required

🎂

Age Limit 16 and over

📥

Min Deposit $1 / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

📝 Open your account using referral code 9YWS1NL and earn $30 when you make 5 eligible card purchases within the first 30 days.

MOVE Bank

Growth Saver

Savings Account

Max Rate

5.65%

↗ Offer

📊 5.60% on first $25k, 0.10% above $25k

Base 0.10%

Bonus +5.55%

Min Balance —

💰

Salary Credit Not required

💳

Account Fees No Monthly Fee

📥

Min Deposit $2,00 / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

📝 No withdrawals to earn the bonus rate.

ING

Savings Maximiser

Savings Account

Max Rate

5.50%

↗ Offer

📊 5.50% on first $100k, 0.01% above $100k

Base 0.01%

Bonus +5.49%

Min Balance —

💰

Salary Credit Not required

📥

Min Deposit $1,000 / Month

🔄

Transactions 5+ Card Transactions / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

📝 Meeting the requirements in one month qualifies you for interest paid at the end of the following month

Bank of QLD

Smart Saver

Savings Account

Max Rate

5.40%

↗ Offer

📊 5.35% on first $250k, 0.05% above $250k

Base 0.05%

Bonus +5.35%

Min Balance —

💰

Salary Credit Not required

🎂

Age Limit 36 and over

🌍

Eligibility Australian residential address

📥

Min Deposit $1,000 / Month

🔄

Transactions 5+ Card Transactions / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

📝 Meeting the requirements in one month qualifies you for interest paid at the end of the following month

Rabobank Aus

PremiumSaver Account

Savings Account

Max Rate

5.40%

↗ Offer

📊 5.40% on first $250k, 3.75% above $250k

Base 0.65%

Bonus +4.75%

Min Balance —

💰

Salary Credit Not required

📥

Min Deposit $2,00 / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

Judo Bank

Personal Savings Account

Savings Account

Max Rate

5.35%

↗ Offer

📊 5.35% on first $250k, 4.80% on $250k–$1.0M

Base 0.05%

Bonus +5.30%

Min Balance —

💰

Salary Credit Not required

📥

Min Deposit 300 / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

📝 No BPAY or Osko (instant transfer)

ME Bank

HomeME with a SpendME

Savings Account

Max Rate

5.35%

↗ Offer

📊 5.35% on first $1.0M, 0.05% above $1.0M

Base 0.05%

Bonus +5.30%

Min Balance —

💰

Salary Credit Not required

📥

Min Deposit $2,000 / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

P&N Bank

Savvy Saver

Savings Account

Max Rate

5.25%

↗ Offer

📊 5.25% on first $100k, 0.20% above $100k

Base 0.20%

Bonus +5.05%

Min Balance —

💰

Salary Credit Not required

📥

Min Deposit $5,00 / Month

🔄

Transactions 5+ Card Transactions / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

ANZ Bank

Growth Saver

Savings Account

Max Rate

5.10%

↗ Offer

Base 0.10%

Bonus +5.00%

Min Balance —

💰

Salary Credit Not required

🎂

Age Limit 15 and over

🌍

Eligibility Australian residential address

📥

Min Deposit $1,00 / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

CommBank

GoalSaver

Savings Account

Max Rate

5.00%

↗ Offer

Base 0.25%

Bonus +4.75%

Min Balance —

💰

Salary Credit Not required

🎂

Age Limit Are 18 years or older

🌍

Eligibility Australian residential address

📥

Min Deposit 1c / Month

🧮

Calculated Daily

🗓️

Interest Paid Monthly

Logo	Bank	Base Rate	Max Rate	Min Balance	Tiers	Min Deposit	Transactions	Salary Credit	Action
	UBank Saving Account	5.10%	5.10% 5.85% First 4 Months	—	📊 5.10% on first $1.0M	$1 / Month	—	None	↗ Offer
	MOVE Bank Growth Saver	0.10%	5.65% 5.65%	—	📊 5.60% on first $25k, 0.10% above $25k	$2,00 / Month	—	None	↗ Offer
	ING Savings Maximiser	0.01%	5.50% 5.50%	—	📊 5.50% on first $100k, 0.01% above $100k	$1,000 / Month	5+ Card Transactions / Month	None	↗ Offer
	Bank of QLD Smart Saver	0.05%	5.40% 5.40%	—	📊 5.35% on first $250k, 0.05% above $250k	$1,000 / Month	5+ Card Transactions / Month	None	↗ Offer
	Rabobank Aus PremiumSaver Account	0.65%	5.40% 5.40%	—	📊 5.40% on first $250k, 3.75% above $250k	$2,00 / Month	—	None	↗ Offer
	Judo Bank Personal Savings Account	0.05%	5.35% 5.35%	—	📊 5.35% on first $250k, 4.80% on $250k–$1.0M	300 / Month	—	None	↗ Offer
	ME Bank HomeME with a SpendME	0.05%	5.35% 5.35%	—	📊 5.35% on first $1.0M, 0.05% above $1.0M	$2,000 / Month	—	None	↗ Offer
	P&N Bank Savvy Saver	0.20%	5.25% 5.25%	—	📊 5.25% on first $100k, 0.20% above $100k	$5,00 / Month	5+ Card Transactions / Month	None	↗ Offer
	ANZ Bank Growth Saver	0.10%	5.10% 5.10%	—	—	$1,00 / Month	—	None	↗ Offer
	CommBank GoalSaver	0.25%	5.00% 5.00%	—	—	1c / Month	—	None	↗ Offer