Savings and investment accounts

Maxi Saver

Balance

Standard variable rate

Intro fixed rate for new Maxi Saver customers1

Earn up to1

All Balances

1.10% p.a.

3.90% p.a. for 3 months

5.00% p.a.

Limited time online offer:

Simply open a Maxi Saver account online to add 0.35% p.a. to your total introductory rate, making it 5.35% p.a. Available to new Maxi Saver customers only. Find out more

Incentive Saver

Balance

Variable base rate

Variable bonus rate2

Earn up to (Rate applies to entire account balance)

Account Balance between $0 to $19,999.99

1.85% p.a.

3.30% p.a.

5.15% p.a.

Account Balance between $20,000 to $99,999.99

1.85% p.a.

3.30% p.a.

5.15% p.a.

Account Balance between $100,000 to $249,999.99

1.85% p.a.

3.30% p.a.

5.15% p.a.

Account Balance between $250,000 to $499,999.99

1.85% p.a.

3.15% p.a.

5.00% p.a.

Account Balance between $500,000 to $999,999.99

1.85% p.a.

3.15% p.a.

5.00% p.a.

Account Balance $1M+

1.85% p.a.

3.15% p.a.

5.00% p.a.

Please note that rates apply to the total account balance. For more details, please refer to our T&Cs
 

Limited time online offer:

Simply open an Incentive Saver account online to add 0.10% p.a. to your variable bonus rate for the first 3 months. Available to new Incentive Saver customers only. Find out more

Investment Cash Account

Balance

Interest rate

Balances less than $500,000

1.00% p.a.

Balances from $500,000 and over

1.00% p.a.

Term Deposits


See a full listing of term deposit rates.

Retirement Access Plus Account

Balance

Interest rate

On the part of the balance from $0 to less than $10,000

0.30% p.a.

On the part of the balance from $10,000 to less than $50,000

1.50% p.a.

On the part of the balance from $50,000 to less than $250,000

1.85% p.a.

On the part of the balance from $250,000 and over

2.30% p.a.

 

Transaction Accounts

No interest is payable on the following accounts: Complete Freedom Account and Concession Account.

Bank Accounts no longer offered


Bank Accounts no longer offered – interest rates.

 

Unarranged Lending Rate

The Unarranged Lending Rate (ULR) is a debit interest rate charged to a transaction account if it becomes overdrawn without arrangement. It will be calculated daily on the debit balance (and deducted on the last business day of each month) using the then current ULR until the account balance is positive again.

Balance

Interest rate

All Balances

15.01% p.a.

The Detail

Conditions and fees apply. Before making a decision, it’s best to read the terms and conditions.

Transaction, Savings and Investment Accounts: Terms and Conditions (incorporating fees and charges)

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 22 66.

Interest rates are subject to change.

1 If you open a Maxi Saver account and you have not held an Maxi Saver Account before and you are a personal customer, you'll earn an Introductory Promotional Fixed Bonus Rate of 3.90% p.a. on top of the standard variable interest rates (standard rate and bonus rate when the bonus rate criteria is met) during the Promotional Rate Period. The Promotional Rate Period is the first 3 months from the date your account is opened.

2 You will be eligible for variable bonus interest if during the month (being the day after the last business day of the previous month to the last business day of the current month) you grow your balance by at least $50 (for customers 21 or over) or $0.01 (for customers under 21) excluding any interest paid, and ensure your balance does not fall below $0.