AMP Bett3r Account

AMP Bett3r Account

Fee Free Deposit


Account Keeping Fee

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Secure transfer to bank
More info

The Bett3r Account sets money aside for bills and other regular payments, helping you budget effectively.

  • Earn 1.50% p.a. interest on your balance
  • Linked Spend and Save accounts
  • Pay bills on time and budget effectively
  • $0 account keeping fee if you deposit $2,000 each month

Product details

AMP’s Bett3r Account is a unique three-account bundle, with linked individual Pay, Spend and Save accounts. You can read about the linked Save account in our separate review. Having the three accounts linked helps you to manage your budget and save for your goals.

The Pay account is where your income is deposited. It sets aside the money you need for bills and other regular payments to make sure you pay them on time. If you have an upcoming bill due, your Bett3r Account will take money from your linked Spend account to ensure there is sufficient money in the Pay account to cover the bills. You’ll never miss a bill payment again!

You’ll automatically be set up with Pay, Spend and Save accounts when you apply for the AMP Bett3r Account, so there’s no need to apply for them separately.

Product Name
AMP Bett3r Account - Pay Account
Monthly Account Fee
Debit Card Access
ATM Withdrawal Fee
Interest Rate p.a.
$0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at rediATMs in Australia.
Joint Application
Fee Free Deposit p.m.
Overseas Eftpos Fee
Phone Banking
Internet Banking


The Pay account comes with the following features:

Interest rate of 1.50% p.a.

The AMP Bett3r Pay account has a variable interest rate of 1.50% p.a. This means that the money you set aside for your bills will earn interest while it’s waiting in your account.

$5 monthly account-keeping fee

There is a $5 monthly account-keeping fee for the Pay account. However, if $2000 is deposited into the account each month, this fee is waived.

Linked Save account

This account is part of the AMP Bett3r Account bundle, which includes a linked Save account to help you achieve your savings goals.

Linked Spend account

This account also comes with a linked Spend account, which is similar to an everyday transaction account. The money that is not held in your Pay account for bills or in your Save account for your savings goals will be sent to your Spend account. If you need extra money in your Spend account, you can choose to skip a bill or remove a bill, and the money will be automatically sent from your Pay account to your Spend account.

Direct debit available

Direct debit is available to pay others quickly and easily.

Mobile app available

You can access this account via the AMP mobile banking app for iPhones and Android devices.

Unlimited transactions

Unlimited, free transactions via mobile and Internet banking. This includes $0 ATM fees when you use rediATMs.

Option for linked debit card

This account does not come with an automatically linked debit card, but if you’d like one you’re able to request one when applying. Note that the linked Spend account does come with a linked Visa debit card.


  • Earn 1.50% p.a. interest on your balance
  • Pay bills on time
  • Linked Spend and Save accounts


  • $5 monthly fee (unless $2,000 is deposited monthly)
  • No automatic linked debit card

How to apply

If you think this account is right for you, click the “Go to Site” button above. This will take you to AMP’s website where you can apply online in less than 10 minutes. When applying for the AMP Bett3r Account, you’ll receive linked Pay, Spend and Save accounts.


  • Minimum age. You must be at least 18 years old to apply for this account.
  • Residency. You must have an Australian residential address to apply for this account.

Required documentation

  • Identification. You must be able to verify your identity with either a driver’s licence, passport or proof of age card.
  • Tax file number. AMP will be required to deduct tax from your savings at the top marginal rate if you do not provide your tax file number (TFN).
  • Personal details. You’ll need to supply your personal details including your full name and contact details.


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One Response

  1. finder Customer Care
    JonathanFebruary 23, 2018Staff

    Hi Emad, thanks for your inquiry!

    That is correct. If you have an upcoming bill due, your Bett3r Account will take money from your linked Spend account to ensure there is sufficient money in the Pay account to cover the bills.



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