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Best high-interest savings account rates in Australia

The "up to" figure is the bank's own advertised maximum; the base rate is what you earn with no conditions met. Read daily from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

Banco	Max rate p.a.	Base rate	What the top rate needs	Link
UbankUbank Save account	up to 6.25%	–	Headline includes a 4-month intro Welcome Bonus Rate for eligible new customers who join from 9 October 2026; the ongoing Everyday Bonus Rate (5.35% p.a. from 06/10/2026) needs total savings to grow each month (by at least $1); balances over $1,000,000 earn no interest.	Ir ao banco
Rabobank AustraliaHigh Interest Savings Account	up to 6.15%	4.15%	Higher figure is a 4-month introductory variable rate on balances up to $250,000; the standard variable rate applies afterwards.	Ir ao banco
ING AustraliaSavings Maximiser	up to 5.75%	0.01%	Additional rate needs an Orange Everyday account and, each month, a $1,000+ external deposit, 5+ settled card purchases and growth in the Savings Maximiser balance; applies to one account up to $100,000. Closed to new applications from 1 December 2026.	Ir ao banco
Macquarie BankMacquarie Savings Account	up to 5.25%	–	Stepped ongoing variable rate: shown rate on the first $250,000, lower rates on $250,000-$2,000,000 and above $2,000,000. No minimum deposit, no monthly fees.	Ir ao banco

Bonus rates usually apply only to part of your balance and only in months you meet every condition. Read the bank's terms before moving money.