New bank account sign up bonuses & offers

Many banks have special offers for new customers who open accounts, including cashback, bonus offers and fee waivers.

18 of 170 results
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
Finder score
Maximum Variable Rate p.a.
4.25%
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
Finder score
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.
Go to siteMore info
Compare product selection
Finder score
Maximum Variable Rate p.a.
4.80%
Standard Variable Rate p.a.
4.00%
Intro/Ongoing
4 month intro rate
Balance $0 to $250,000
Go to siteMore info
Compare product selection
ING logo
Finder score
Finder score
Maximum Variable Rate p.a.
5.00%
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.
Go to siteMore info
Compare product selection
ING logo
Finder score
Finder score
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.
Go to siteMore info
Compare product selection
Suncorp Bank logo
Finder score
Finder score
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.
Go to siteMore info
Compare product selection
IMB logo
Finder score
Finder score
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.
Go to siteMore info
Compare product selection
Ubank logo
Finder score
Ubank Save Account
Finder Award
Finder score
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.
Go to siteMore info
Compare product selection
Newcastle Permanent logo
Finder score
Finder score
Maximum Variable Rate p.a.
3.75%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Grow balance
No more than 2 withdrawals
Go to siteMore info
Compare product selection
Regional Australia Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $250,000
Deposit $100 each month
No withdrawals
Go to siteMore info
Compare product selection
BCU Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.35%
Standard Variable Rate p.a.
0.50%
Intro/Ongoing
Ongoing rate
(conditions apply)
Deposit $100
Balances up to $250,000
Go to siteMore info
Compare product selection
BCU Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.65%
Standard Variable Rate p.a.
0.20%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $100,000
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.
Go to siteMore info
Compare product selection
P&N Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.65%
Standard Variable Rate p.a.
0.20%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance under $100,000
Deposit $500
5 Access Account debit card purchases
Get 4.65% p.a. ongoing when you deposit $500 and make 5 debit card purchases per month. Make withdrawals and still earn bonus interest.
Go to siteMore info
Compare product selection
BCU Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
4 month intro rate
Go to siteMore info
Compare product selection
Westpac logo
Finder score
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.10%
Intro/Ongoing
Ongoing rate
(conditions apply)
Make a deposit
Grow your balance
20 debit card purchases
Balances up to $30,000
Go to siteMore info
Compare product selection
P&N Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
4 month intro rate
Go to siteMore info
Compare product selection
St.George Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.40%
Standard Variable Rate p.a.
0.10%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance up to $249,999.99
Grow balance by at least $50 ($0.01 if under 21)
Go to siteMore info
Compare product selection
P&N Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.45%
Standard Variable Rate p.a.
0.50%
Intro/Ongoing
Ongoing rate
(conditions apply)
Deposit $100
No withdrawals
Balance up to $250,000
Go to siteMore info
Compare product selection
loading
Showing 18 of 18 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

7 of 7 results
Finder Score Monthly fee Govt. Guarantee Own network ATM fee Card type
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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.
Go to siteMore info
Compare product selection
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Eligible Visa Debit cardholders can get cashback when using their card to shop at partner retailers. T&Cs apply.
You can link up to 9 sub-accounts to your Everyday Options Account to help you manage your budget and different expenses.
Go to siteMore info
Compare product selection
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Get $50 cashback when you open a new account and make an in-person, contactless transaction from a mobile wallet worth $50 or more within the first 15 days. Access special offers and discounts on popular brands, plus extra cashback when you shop via ShopBack. T&Cs apply.
Go to siteMore info
Compare product selection
HSBC logo
Finder score
HSBC Everyday Global Account
Finder AwardApple Pay Google Pay10 Currencies
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Earn 2% cashback on tap and pay purchases. T&Cs apply.
More info
Compare product selection
Virgin Money logo
Finder score
Virgin Money Go Account
Apple Pay Google Pay Samsung Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Earn Virgin Money Points as you spend with your debit card. T&Cs apply.
More info
Compare product selection
Australian Military Bank logo
Finder score
Australian Military Bank Military Rewards Account
Apple Pay Google Pay Samsung Pay Garmin Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Earn 1% cashback on tap and go purchases under $100, up to the value of $25 a month. T&Cs apply.
More info
Compare product selection
Macquarie Bank logo
Finder score
Macquarie Bank Transaction Account
Finder AwardApple Pay Google Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Earn 2.00% p.a. interest on your transaction account balance.
More info
Compare product selection
loading
Showing 7 of 7 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

What kind of sign-up offers do banks have for new accounts?

  • Cash bonus offers. If you meet the criteria you can get cash in your bank account when you open it. Cash bonuses are normally around $50–$100 at most.
  • Cashback. Some accounts let you earn cashback based on money you spend. This is normally limited to 1–2% of what you spend. It may be capped at a set amount or limited to specific types of transaction.
  • Points. Credit cards often come with reward points based on how much you spend. But sometimes debit cards and even transaction accounts let you earn points.
  • Introductory savings rates. Savings accounts may come with a special, higher interest rate for the first few months. After that, the account interest rate will be smaller.
  • Fee waivers. Banks often waive application or annual fees on bank products for a limited time.
  • Interest-free periods. Balance transfer credit cards typically offer interest-free periods. This means you can move outstanding balances to the new card and get a break from interest charges while you pay it off.
  • Complimentary travel insurance. Many credit cards have complimentary travel insurance. But sometimes you can get this with a transaction account and debit card too.

Bonus offers are for transaction accounts, not savings accounts

Banks use special offers and deals on transaction accounts and linked credit or debit cards. This is to encourage people to sign up and spend using the accounts.

These offers are much rarer on savings accounts because these accounts are aimed at building up savings over time and earning interest.

Cashback vs cash bonuses

Cash bonuses

  • A one-off deposit of cash in your account after you open it. This is usually no more than $100.
  • You have to meet criteria, such as making a certain number of transactions or depositing a certain amount into the account each month.
  • You may need to keep the account open for a few months before you get the cash.

Cashback

  • A bank account cashback is more of an ongoing perk than a one-off payment.
  • You can earn a percentage of your spending back, usually 1–2%.
  • Cashback applies to a specific type of spending. For example, a 1% cashback on your utility bills or 2% for every purchase you make via tap and pay.

What other special offers can I get from a bank?

Credit card offers

Plenty of banks have introductory credit card offers. This includes $0 annual fees, long interest-free periods and the ability to earn bonus points.

Home loan cashback

Some lenders offer generous cashback to entice borrowers to refinance their home loans. You can get up to $4,000 with a home loan cashback. This can offset any switching fees. You need to open a bank account with the same bank or lender to qualify.

Frequently asked questions

Sources

Jason Loewenthal's headshot
To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
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
Richard Whitten's headshot
Co-written by

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 688 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips

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.

More guides on Finder

Go to site