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Australian Unity Active Saver

The Australian Unity Active Saver pays bonus interest to reward you for your good savings habits.

If you’re a disciplined saver who regularly puts money aside and you’re never tempted to dip into your savings, the Australian Unity Active Saver account could be the perfect choice for you. Available with a competitive standard variable rate, the account also pays bonus interest every month you deposit at least $250 and do not make any withdrawals.

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1.00% p.a.

Maximum variable rate


Base interest rate


Minimum deposit

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Product NameAustralian Unity Active Saver
Maximum Variable Rate1.00% p.a.
Standard Variable Rate0.01% p.a.
Monthly Account Fee$0
Minimum Opening Deposit$0
Minimum Age16

Review by

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

Expert review

In addition, there are no account-keeping fees to worry about. If you want to reach your savings goal as quickly as possible, the Active Saver is well worth considering.

Key features

Receive 1.00% p.a. when you deposit at least $250 and make no withdrawals for the month

The Active Saver pays interest on your savings balance at Australian Unity's standard variable rate. But whenever you deposit at least $250 per month and do not make any withdrawals, the account pays bonus interest. This allows you to maximise the interest-earning power of your savings account and build a bigger balance faster. This bonus interest applies to balances of up to . In the months when you don't meet the bonus interest terms and conditions, the standard variable rate still applies to your balance.

No account-keeping fees

The Australian Unity Active Saver does not feature any ongoing monthly or annual account-keeping fees. This means that all of the money you deposit into your account goes towards reaching your savings goal.

Launch savings calculator

How to apply

If you want to save with an Australian Unity Active Saver account, click on one of the "Apply Now" links on this page. Doing so will take you to the Australian Unity website, where you can read the fine print and begin an online application.


Before you apply, make sure you satisfy the following eligibility criteria:

  • Minimum age. You must be at least 16 years old to open an Active Saver account, but you'll need to be 16 or older if you want to apply online.
  • Residency requirements. You must be a permanent resident of Australia.

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  1. Default Gravatar
    July 25, 2019

    Can I open multiple accounts?

    • Avatarfinder Customer Care
      July 25, 2019

      Hi Neil,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      That’s an interesting question. Upon checking, Neil, I’m afraid the answer to your question is no.

      You can only open one account. Moreover, the bonus interest rate offer is limited to 1 account per customer. It is worth noting as well that you cannot open a new account within 90 days of closure of the same type of Australian Unity savings or transaction account.

      In the process of finding a savings account, please make sure that you’ve read the relevant T&Cs or PDS of the savings accounts you are interested in to help consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    July 12, 2019

    Do you have to have the Aust Unity liked transaction account? Can you transfer directly in and out of the Aust Unity Active Saver from an external account (to avoid doubling up on transfers via the transaction account to avoid the $5 account keeping fee).

    • Avatarfinder Customer Care
      July 13, 2019

      Hi Tony,

      Thanks for contacting Finder.

      You need to link your transaction account to move money back and forth from savings.

      I hope that helps.


  3. Default Gravatar
    October 1, 2018

    Can I open this account type under a company (Pty Ltd) or can I link it to a company account so the savings of the company earn interest?

    • Avatarfinder Customer Care
      October 2, 2018

      Hi Zoe,

      Thanks for reaching out to finder.

      The Australian Unity Active Saver is available for individual and joint accounts only. The Active Saver already comes with a linked Australian Unity transaction account and to earn the bonus interest rate, a deposit must be made from a linked Australian Unity transaction account. If you wish to open a business account with Australian Unity, you can contact them directly for further assistance.

      Hope this helps.


  4. Default Gravatar
    April 5, 2018

    Is your account government guaranteed?

    • Avatarfinder Customer Care
      April 5, 2018

      Hi AC,

      Thank you for your comment.

      Yes, this account is covered by the Australian Government’s guarantee scheme since Australian Unity is an Authorised Deposit-taking Institution (ADI) and is regulated by the Australian Prudential Regulation Authority (APRA). This applies to deposits up to $250,000 per account holder.


  5. Default Gravatar
    September 14, 2017

    Does the Active Saver account get the Govt. deposit guarantee? Can’t see it mentioned

    • Avatarfinder Customer Care
      September 15, 2017

      Hi John,

      Thank you for your inquiry.

      Australian Unity is an Authorised Deposit-taking Institution (ADI) and is regulated by the Australian Prudential Regulation Authority (APRA) so the deposits in Australian Unity Active Saver and transaction accounts are covered by the Australian Government’s guarantee scheme. The guarantee applies to deposits up to $250,000 per account holder.


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