AMP savings and bank accounts

AMP offers a range of different bank accounts, including a unique three-in-one pay, spend and save bundled account.

3.6 ★★★★★ (65 reviews) Write a review
AMP Bank

AMP savings accounts, bank accounts and term deposits.

AMP savings accounts

14 of 14 results
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
Finder score
Maximum Variable Rate p.a.
4.00%
Standard Variable Rate p.a.
4.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $250,000.
Go to siteMore info
Compare product selection
AMP Bank Go logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $250,000
Go to siteMore info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.45%
Standard Variable Rate p.a.
0.25%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $500,000
Grow balance by at least $250
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.25%
Standard Variable Rate p.a.
0.25%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $5,000,000.
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
3.90%
Standard Variable Rate p.a.
2.45%
Intro/Ongoing
6 month intro rate
Balance $0 to $5,000,000
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.10%
Standard Variable Rate p.a.
0.10%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $5,000,000.
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $10,001 to $250,000
More info
Compare product selection
AMP Bank logo
Finder score
AMP Cash Manager (Business)
Finder score
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $10,001 to $250,000
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
3.60%
Standard Variable Rate p.a.
3.60%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $250,001 to $5,000,000
More info
Compare product selection
AMP Bank logo
Finder score
AMP Cash Manager (Business)
Finder score
Maximum Variable Rate p.a.
3.60%
Standard Variable Rate p.a.
3.60%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $250,001 to $5,000,000
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
2.45%
Standard Variable Rate p.a.
2.45%
Intro/Ongoing
6 month intro rate
Balance from $5,000,001
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.00%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $5,000,000
More info
Compare product selection
AMP Bank logo
Finder score
AMP Cash Manager (Business)
Finder score
Maximum Variable Rate p.a.
0.00%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $5,000,001
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.00%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $10,000
More info
Compare product selection
loading
Showing 14 of 14 results

How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full breakdown

Want more interest on your savings?

Compare now and find a better rate.

AMP bank accounts

3 of 3 results
Finder Score Monthly fee Govt. Guarantee Own network ATM fee Card type
AMP Bank Go logo
Finder score
AMP Bank GO Everyday Account
Apple Pay Google Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
Compare product selection
AMP Bank logo
Finder score
AMP Offset Deposit Account
Apple Pay Google Pay Samsung Pay
Finder score
Monthly fee
$6
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
Compare product selection
AMP Bank logo
Finder score
AMP Everyday Business Account
Apple Pay Google Pay Samsung Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
Compare product selection
loading
Showing 3 of 3 results

Finder Score for bank accounts

We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.

Read the full methodology

Looking for a better bank account?

Compare everyday accounts and find one that works harder for you.

AMP term deposits

4 of 4 results
Finder Score 3 Mths p.a. 6 Mths p.a. 10 Mths p.a. 12 Mths p.a. 24 Mths p.a.
AMP Bank logo
Finder Score
AMP Term Deposit $5000+
$5,000 min. deposit
$24,999 max. deposit
Finder Score
3 Mths p.a.
3.75%
6 Mths p.a.
3.95%
10 Mths p.a.
3.70%
12 Mths p.a.
3.75%
24 Mths p.a.
3.55%
More info
Compare product selection
AMP Bank logo
Finder Score
AMP Term Deposit $25,000+
$25,000 min. deposit
$5,000,000 max. deposit
Finder Score
3 Mths p.a.
3.80%
6 Mths p.a.
4.00%
10 Mths p.a.
3.75%
12 Mths p.a.
3.80%
24 Mths p.a.
3.60%
More info
Compare product selection
AMP Bank logo
Finder Score
AMP Business Term Deposit
$5,000 min. deposit
$24,999 max. deposit
Finder Score
3 Mths p.a.
3.75%
6 Mths p.a.
3.95%
10 Mths p.a.
3.70%
12 Mths p.a.
3.75%
24 Mths p.a.
3.55%
More info
Compare product selection
AMP Bank logo
Finder Score
AMP Business Term Deposit $25,000+
$25,000 min. deposit
$10,000,000 max. deposit
Finder Score
3 Mths p.a.
3.80%
6 Mths p.a.
4.00%
10 Mths p.a.
3.75%
12 Mths p.a.
3.80%
24 Mths p.a.
3.60%
More info
Compare product selection
loading
Showing 4 of 4 results

Finder Score for term deposits

Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.

Read the full methodology

Lock in a great rate

Compare term deposits to grow your savings with confidence.

AMP Super and Retirement

3 of 3 results
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
3.90%
Standard Variable Rate p.a.
2.45%
Intro/Ongoing
6 month intro rate
Balance $0 to $5,000,000
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.25%
Standard Variable Rate p.a.
0.25%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $5,000,000.
More info
Compare product selection
AMP Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.10%
Standard Variable Rate p.a.
0.10%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $5,000,000.
More info
Compare product selection
loading
Showing 3 of 3 results

How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full breakdown

Sarah Megginson's headshot
Our expert says

"The best thing about AMP's high interest savings account is it's really easy to earn the bonus interest. You only need to transfer $1000 a month into the savings account to qualify, even if you simply transfer that money from another AMP account. You can withdraw as much as you like, finish the month with a lower balance and there's nothing else you need to remember to qualify. I set up an auto-transfer from my offset account each month, so it's a great 'set and forget' money-earner."

Sarah Megginson's headshot
Personal finance expert + media spokesperson
Finder Awards badge

Congratulations, AMP Bank!

The AMP Bank Term Deposit $5000+ was highly commended for Best Term Deposit (12 Months) in the 2025 Finder Awards.

Full list of 2025 winners

What do Australians think of AMP Bank bank account?

  • 3.49/5 overall for Customer Satisfaction - lower than the average of 4.11, and this was the lowest score in the category
  • 3.84/5 for Trust - lower than the average of 4.43
  • 3.42/5 for Customer Service - lower than the average of 4.07, and this was the lowest score in the category

Based on AMP Bank bank account scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

Pros and cons of banking with AMP

The pros

  • Competitive savings rates with the opportunity to earn bonus interest
  • No monthly account fees
  • Convenient online banking via web or mobile app

The cons

  • Limited branch network in Australia
  • No dedicated ATM network, though Big Four ATMs can be used for free

How to apply for a AMP savings account

Applying online for a new bank account is fast and easy. You'll need identity documents such as your driving licence or passport. For more about the process, check out our full guide to opening an account online.

Sources

Alison Banney's headshot
Written by

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise
Alison has written 660 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

8 Responses

    Default Gravatar
    LeanneOctober 30, 2024

    I would like to open an account please. I have already been sent a Visa debit card.

      Angus Kidman's headshotFinder
      AngusOctober 31, 2024Finder

      Hi Leanne, We’re a comparison site, not AMP itself – if you want to open an additional account with AMP, you’ll need to contact the bank directly. The phone number for their banking division is 13 30 30.

    Default Gravatar
    BruceSeptember 16, 2024

    Does this bank do cardless cash

      Richard Whitten's headshotFinder
      RichardSeptember 17, 2024Finder

      Hello Bruce I can’t find anything on AMP’s website that mentions cardless cash unfortunately.

    Default Gravatar
    PaulSeptember 28, 2023

    The rate of home loan how the rate of home loan

    Default Gravatar
    HongJanuary 3, 2023

    Deposit to earn bonus to increase to $1000, is this to increase the balance every month or this amount can be withdrawn!

      Alison Banney's headshotFinder
      AlisonJanuary 13, 2023Finder

      Hi Hong,

      According to AMP’s site, you just need to deposit this amount per month. There are no conditions stated about having to keep the money in the account.

      Thanks,
      Alison

Read more on Bank Accounts

  • AMP Bank Go Business Save Account

    The AMP Bank Go Business Save account offers an ongoing interest rate with no monthly conditions to meet.

  • AMP Bank Go Save Account

    The AMP Bank Go Save account offers an ongoing interest rate with no monthly conditions to meet.

  • Cheap mobile plans in Australia

    Compare cheap mobile phone plans starting from just under $12 a month.

  • AMP SuperEdge Saver Account

    Let your excess SMSF savings work hard for you in a high interest savings account that still allows you to access your money whenever you need it.

  • AMP SuperEdge Cash Account

    Give your SMSF an edge with a flexible account that keeps your money secure and earning interest while you are waiting for the next investment opportunity.

  • AMP Offset Deposit Account

    Own your home outright sooner than you hoped by cutting interest payments every month with an Offset Deposit Account.

  • AMP Bank GO Everyday Account

    With AMP, you get an inexpensive and easy way to manage your spending as well as a safe hub to transfer money to your other interest earning accounts.

  • AMP Bank term deposit $5000+

    The flexibility of terms with the AMP term deposit will make it easy to meet savings goals that are coming up in the next few years or in the near future.

  • AMP Saver Account

    The AMP Saver Account offers a bonus rate when you meet the account conditions, encouraging you to grow your savings.

Go to site