Compare UniBank Savings Accounts

Take control of your financial future with a savings account from UniBank.

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UniBank

Established as Unicredit in 1964, UniBank was created from a 2015 merger with Teachers Mutual Bank.

With a focus on providing financial products and services for Australians working and studying in tertiary and post-secondary education, UniBank offers an extensive range of everyday and savings accounts.

Product Finder Score Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
UniBank logo
Finder score
Unibank Mighty Saver Account
Finder score
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
4.75%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $20,000
More info
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UniBank logo
Finder score
UniBank Pension Advantage account
Finder score
Maximum Variable Rate p.a.
2.50%
Standard Variable Rate p.a.
2.50%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
More info
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UniBank logo
Finder score
Unibank Essential Saver
Finder score
Maximum Variable Rate p.a.
3.75%
Standard Variable Rate p.a.
3.75%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
More info
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UniBank logo
Finder score
Unibank Edvest Cash Management Account
Finder score
Maximum Variable Rate p.a.
0.25%
Standard Variable Rate p.a.
0.25%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
More info
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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 Finder Score breakdown

Product Finder Score 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 11 Mths p.a. 12 Mths p.a. 24 Mths p.a.
UniBank logo
Finder Score
UniBank Member Term Deposit
$1,000 min. deposit
$1,000,000 max. deposit
Finder Score
3 Mths p.a.
4.30%
4 Mths p.a.
4.10%
5 Mths p.a.
3.75%
6 Mths p.a.
4.30%
7 Mths p.a.
3.70%
11 Mths p.a.
3.45%
12 Mths p.a.
3.85%
24 Mths p.a.
3.25%
More info
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UniBank logo
Finder Score
UniBank Edvest Term Deposit
$1,000 min. deposit
$1,000,000 max. deposit
Finder Score
3 Mths p.a.
4.35%
4 Mths p.a.
4.15%
5 Mths p.a.
3.80%
6 Mths p.a.
4.35%
7 Mths p.a.
3.75%
11 Mths p.a.
3.50%
12 Mths p.a.
3.90%
24 Mths p.a.
3.30%
More info
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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 Finder Score methodology

Product Finder Score Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Finder score
Maximum Variable Rate p.a.
5.15%
Standard Variable Rate p.a.
3.70%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Earn a high interest rate of 5.15% for the first 4 months and then 3.7% thereafter, with $0 account keeping fees and no monthly balance requirements.
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Finder score
Maximum Variable Rate p.a.
4.55%
Standard Variable Rate p.a.
0.15%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • 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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Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $500
  • Savings up to $1,000,000
5% p.a. welcome bonus rate for new customers for the first 4 months, then an ongoing bonus rate of 4.6% p.a. when monthly deposit condition is met.

Use code FINDER20 to score $20 after 5 card purchases in your first 30 days. See terms link on the app store.

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AMP Bank Go logo
Finder score
AMP Bank GO Save
Finder score
Maximum Variable Rate p.a.
4.50%
Standard Variable Rate p.a.
4.50%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances $0 - $250,000
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Macquarie Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.85%
Standard Variable Rate p.a.
4.50%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Earn a welcome variable rate of 4.85% p.a. for the first 4 months on balances up to $250k, then 4.5% p.a. ongoing variable rate on balances up to $1m. There are no monthly requirements to earn interest.
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Newcastle Permanent logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.00%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance
  • No more than 2 withdrawals
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St.George Bank logo
Finder score
Finder score
Maximum Variable Rate p.a.
4.65%
Standard Variable Rate p.a.
0.40%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance $50 ($0.01 if under 21)
  • Balance up to $249,999.99
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ING logo
Finder score
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1,000
  • 5 transactions
  • Grow your balance
  • Balances up to $100,000
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Westpac logo
Finder score
Finder score
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.40%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Make a deposit
  • Grow your balance
  • 5 debit card purchases
  • Balances up to $30,000
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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 Finder Score breakdown

What is UniBank?

UniBank specialises in offering banking products and services for the tertiary and post-secondary education sectors. This doesn’t mean it only provides accounts for students; it also provides products for people working in these sectors as well as their families and even the wider education sector.

Its range of bank accounts includes the following:

What is Internet banking like for UniBank?

UniBank’s Internet banking portal provides access to your accounts via your desktop, mobile or tablet. The service streamlines your everyday banking and offers all the features you’d expect from Internet banking with a major financial institution.

Notable features include the following:

  • Enjoy 24/7 access to your accounts
  • Pay bills and transfer funds
  • Search transactions by keywords and receipt numbers
  • Set up SMS alerts
  • Review and print transactions and export into an accounting program

What about the mobile app?

Image Source: App Store
Account BalancePaymentsSet a Savings Goal

What transaction accounts does UniBank offer?

  • Everyday Account. This transaction account offers easy everyday banking. It provides a Visa debit card and access to online banking as well as access to more than 3,000 ATMs. It is Android Pay and Apple Pay compatible, but does feature a monthly account-keeping fee. However, UniBank waives this fee for students.
  • Everyday Direct Account. This flexible everyday transaction account offers easy electronic access to your funds via Internet and mobile banking, plus it’s also available with Android Pay and Apple Pay. There’s no monthly access fee when you deposit at least $2,000 per month.

What high interest savings accounts does UniBank offer?

      • Mighty Saver Account. The UniBank Mighty Saver is a savings account for people under 18 years of age. It pays bonus interest whenever you save as little as $10 a month, make no withdrawals and maintain a credit balance at all times. It doesn’t charge any monthly fees.

      What term deposits does UniBank offer?

      • Term Deposit. Available with a deposit of $5,000 or more, UniBank term deposits are available with competitive interest rates on terms ranging from 3 to 36 months.

      What are the pros and cons of banking with UniBank?

      Pros

      • Wide range of accounts. With products for kids and students as well as everyday accounts and accounts to help you reach savings goals, UniBank offers plenty of choice to customers.
      • Products tailored for the education sector. Regardless of whether you’re a student or you work in the education sector, UniBank offers products and services designed with you in mind.
      • Banking options. UniBank offers all the same account access options you’d expect from a major bank, including debit cards, ATMs, and Internet and mobile banking.

      Cons

      • No nationwide branch network. UniBank has offices in WA, NSW and the ACT, but it does not have a nationwide branch network.

      How do I apply for a UniBank account?

      You’ll need to become a member of UniBank if you’d like to apply for an account. You’re eligible to join if you’re a current or retired employee, graduate or post-graduate of an Australian university. You’re also eligible if you’re a current student at an Australian university. Family members of UniBank members are also eligible to join.

      You’ll need to provide your name, address, date of birth and proof of ID to join. Once you’re a member, you can find a downloadable account application form on the UniBank website.

      UniBank offers a wide range of benefits to members of the education community, but make sure to compare its accounts with other products on the market to ensure you get the best account to help you manage your money.

      Compare other products from Unibank

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