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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.

Банк	Max rate p.a.	Base rate	What the top rate needs	Ссылка
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.	Перейти в банк
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.	Перейти в банк
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.	Перейти в банк
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.	Перейти в банк

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.