In this guide

  • Our verdict
  • Details
    • Product details
  • Key features
  • How to apply
  • Compare other savings accounts
  • Your reviews
  • Ask a question

BCU Bank Boss Saver account

Our verdict

Earn an ongoing bonus interest rate of up to 4.65% p.a. on balances up to $100,000.

The BCU Bank Boss Saver account offers a total variable bonus interest rate of 4.65% p.a. when you deposit $500 a month, and make at least 5 card purchases from your linked BCU Bank Access Account each month. You can earn the bonus interest rate on balances up to $100,000.

Pros

  • Linked access account benefits - Earn bonus interest, make everyday transactions, and use Pay&Save to round up purchases automatically.

Cons

  • Linked account dependency - You need both a Boss Saver and Access Account to qualify for bonus interest.
  • Individual accounts only - Not available for joint accounts, which limits options for couples or shared savings goals.

In this guide

  • Our verdict
  • Details
    • Product details
  • Key features
  • How to apply
  • Compare other savings accounts
  • Your reviews
  • Ask a question

Details

Product details

Product Name BCU Bank Boss Saver
Maximum Variable Rate 4.65% p.a.
Standard Variable Rate 0.20% p.a.
Monthly Account Fee $0
Minimum Age 18

Key features

Ongoing variable rate of up to 4.65% p.a.

This account offers a total, ongoing variable rate of up to 4.65% p.a. on balances up to $100,000 when the account conditions are met (outlined below). This is made up of a standard variable rate of 0.2% p.a. and a bonus variable rate of 4.45% p.a.

Conditions for bonus interest

To earn the full bonus rate you must deposit $500 a month from an external account, and make at least 5 card purchases from your linked BCU Bank Access Account each month. If you don't meet the account criteria one month you'll earn the standard variable rate for that month.

You can make withdrawals.

As long as you deposit $500 a month and make 5+ card transactions a month, you can make withdrawals from your savings and still earn bonus interest. There is no requirement that your account balance needs to grow each month.

Link to a BCU Bank Access Account

You will get both a BCU Bank Boss Saver and BCU Bank Access Account when you open this account. These two accounts are linked, allowing you to easily transfer money from your Access Account into your savings.

The Access Account has no monthly or ongoing fees, and comes with a Visa Debit card to access your money.

How to apply

Eligibility

Check first to make sure that you are able to meet the eligibility requirements:

  • Age. You need to be aged 18 years or older
  • Address. You must have a valid Australian residential address
  • Tax status. You must not be a foreign tax resident.
Go to siteMore info

Compare other savings accounts

12 of 170 results
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Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
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9.5 Excellent
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
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Finder score
9.1 Excellent
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
3.45%
Intro/Ongoing
4 month intro rate
Balance $0 to $250,000
Earn a high interest rate of 5.00% p.a. for the first 4 months and then 3.45% p.a. thereafter, with $0 account keeping fees and no monthly balance requirements.
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Finder score
9.5 Excellent
Maximum Variable Rate p.a.
4.80%
Standard Variable Rate p.a.
4.00%
Intro/Ongoing
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9.5 Excellent
ING Savings Accelerator
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9.5 Excellent
Maximum Variable Rate p.a.
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Standard Variable Rate p.a.
3.95%
Intro/Ongoing
4 month intro rate
Welcome rate applies to balances $150,000 - $500,000
Ongoing rate applies to balances $150,000 - $5 million
Ideal for higher balances, savers can earn up to 5% for the first 4 months and up to 3.95% thereafter. There are no conditions and $0 account-keeping fees.
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ING logo
Finder score
9.1 Excellent
ING Savings Maximiser
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Finder score
9.1 Excellent
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing rate
(conditions apply)
Deposit $1,000
5 transactions
Grow your balance
Balances up to $100,000
Welcome bonus: Get $100 when you open a new Orange Everyday and Savings Maximiser account with code OE100JOIN and deposit $1000, plus make 5 debit purchases by 31 January 2026. T&Cs apply.
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8.7 Great
Suncorp Bank Growth Saver Account
Finder score
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Maximum Variable Rate p.a.
4.30%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Grow balance by $200 each month (excl. interest)
Only 1 withdrawal
No balance limit on earning interest
Get a solid interest rate on your entire balance, with minimal conditions in order to get the max rate. This account doesn’t offer card access but you can make 1 withdrawal per month & grow your net balance by $200 (excl. interest) to earn the max rate.
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IMB logo
Finder score
8.7 Great
IMB Reward Saver Kick Start
Finder score
8.7 Great
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balances $0 to $100,000
Deposit $20+ each month
No withdrawals
You can open this account if you are aged 13 to 17, or if you're a student, trainee or apprentice aged 18 to 30.
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Ubank logo
Finder score
9.1 Excellent
Ubank Save Account
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Finder score
9.1 Excellent
Maximum Variable Rate p.a.
5.10%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
4 month intro rate
Balance $0 to $1,000,000
Have a Spend account
Grow balance by $1 or more (excl. interest)
5.1% p.a. welcome bonus rate for new customers for the first 4 months, then an ongoing bonus rate of 4.35% p.a. when you hold a Ubank Spend accout and grow your Save balance by at least $1 (excluding interest) each month.
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Newcastle Permanent logo
Finder score
8.2 Great
Newcastle Permanent Smart Saver Account
Finder score
8.2 Great
Maximum Variable Rate p.a.
3.75%
Standard Variable Rate p.a.
0.05%
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Finder score
8.6 Great
Regional Australia Bank Savings Booster Account
Finder score
8.6 Great
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.00%
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Standard Variable Rate p.a.
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BCU Bank logo
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BCU Bank Boss Saver
Finder score
9.2 Excellent
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Standard Variable Rate p.a.
0.20%
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Ongoing rate
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Deposit $500
5 Access Account debit card purchases
Earn an ongoing 4.65% p.a. when you deposit $500 per month and make 5+ card payments from your BCU Bank Access Account each month. You can make withdrawals and still earn bonus interest.
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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?

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