AMP Bett3r Account

This account offers three linked Pay, Spend and Save accounts which set money aside for bills and help you budget effectively.

The AMP Bett3r Account is a unique three-account bundle linking individual Pay, Spend and Save accounts. Linking the three accounts helps you manage your budget, pay your bills on time and save for your goals.

Earn up to 0.75% p.a. on the portion of your balance that’s sitting in your Save account, and up to 0.1% on the balance in your Pay account. Read on to learn more about how this account works.


Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameAMP Bett3r Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$4.50 + 2.5%
International transaction fee2.5%
Monthly deposit required to waive account fee$2,000
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This account takes the hassle out of budgeting. The account automatically moves your money between the three linked accounts to ensure you always have enough for upcoming bills while also meeting your savings goals.

Key features

AMP Bett3r includes a Spend, Pay and Save account.

You'll receive your salary into the Pay account. The account will keep enough money in your Pay account for upcoming bills and regular payments, and it will automatically move money into your Save account each month to help you meet your savings goals. The Spend account is the money that's not held for bills and not sent to your savings, so you know it's safe to spend.

Set savings goals

Set up personal savings goals, whether you're saving for a car, a holiday or simply for a rainy day, and the Save account will help you meet them. It will automatically take money from your Pay account to help meet your savings goals, and you can track your progress.

How to apply

When applying for the AMP Bett3r Account, you'll receive the linked Pay, Spend and Save accounts all at once.


  • Minimum age. You must be over 18 years of age to apply for this account.
  • Residency. To apply, you must have an Australian residential address.

Picture: Shutterstock

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