Compare UniBank Savings Accounts

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

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UniBank
4.6 based on 836 reviews

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.

UniBank savings accounts and term deposits

UniBank savings accounts

15 of 15 results
Checked 7 November 2026
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly Max Rate Conditions Table Description
UniBank logo
Finder score
9.4 Excellent
Unibank Starter Saver Account
Finder score
9.4 Excellent
Maximum Variable Rate p.a.
5.5%
Standard Variable Rate p.a.
5.5%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance up to $50,000
View details
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UniBank logo
Finder score
9.4 Excellent
Unibank Essential Saver
Finder score
9.4 Excellent
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
5.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance $500,001 to $1,000,000
View details
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UniBank logo
Finder score
9.4 Excellent
Unibank Essential Saver
Finder score
9.4 Excellent
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
5.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance up to $250,000
View details
Compare product selection
UniBank logo
Finder score
9.4 Excellent
Unibank Essential Saver
Finder score
9.4 Excellent
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
5.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance $250,000.01 to $500,000
View details
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UniBank logo
Finder score
8.9 Great
UniBank Momentum Saver
Finder score
8.9 Great
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
0.1%
Intro/Ongoing
Ongoing rate
(conditions apply)
Monthly Max Rate Conditions
  • No withdrawals
  • Deposit $100
  • Balance up to $250,000
View details
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UniBank logo
Finder score
8.6 Great
UniBank Momentum Saver
Finder score
8.6 Great
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.1%
Intro/Ongoing
Ongoing rate
(conditions apply)
Monthly Max Rate Conditions
  • No withdrawals
  • Deposit
  • Balance from $500,001
View details
Compare product selection
UniBank logo
Finder score
8.6 Great
UniBank Momentum Saver
Finder score
8.6 Great
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.1%
Intro/Ongoing
Ongoing rate
(conditions apply)
Monthly Max Rate Conditions
  • No withdrawals
  • Deposit
  • Balance $250,001 to $500,000
View details
Compare product selection
UniBank logo
Finder score
8.3 Great
Unibank Starter Saver Account
Finder score
8.3 Great
Maximum Variable Rate p.a.
4.5%
Standard Variable Rate p.a.
4.5%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance from $50,000.01
View details
Compare product selection
UniBank logo
Finder score
8.3 Great
UniBank Momentum Saver
Finder score
8.3 Great
Maximum Variable Rate p.a.
5%
Standard Variable Rate p.a.
0.1%
Intro/Ongoing
Ongoing rate
(conditions apply)
Monthly Max Rate Conditions
  • No withdrawals
  • Deposit
  • Balance from $1,000,001
View details
Compare product selection
UniBank logo
Finder score
7.7 Great
UniBank Pension Advantage account
Finder score
7.7 Great
Maximum Variable Rate p.a.
3.25%
Standard Variable Rate p.a.
3.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance $0 to $50,000
View details
Compare product selection
UniBank logo
Finder score
7.7 Great
UniBank Pension Advantage account
Finder score
7.7 Great
Maximum Variable Rate p.a.
3.25%
Standard Variable Rate p.a.
3.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance from $50,001
View details
Compare product selection
UniBank logo
Finder score
7.6 Great
Unibank Essential Saver
Finder score
7.6 Great
Maximum Variable Rate p.a.
3.25%
Standard Variable Rate p.a.
3.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance $1,000,001 to $5,000,000
View details
Compare product selection
UniBank logo
Finder score
7.6 Great
Unibank Essential Saver
Finder score
7.6 Great
Maximum Variable Rate p.a.
3.25%
Standard Variable Rate p.a.
3.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance from $5,000,001
View details
Compare product selection
UniBank logo
Finder score
5.6 Standard
Unibank Edvest Cash Management Account
Finder score
5.6 Standard
Maximum Variable Rate p.a.
1.25%
Standard Variable Rate p.a.
1.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance $0 to $1,999
View details
Compare product selection
UniBank logo
Finder score
5.6 Standard
Unibank Edvest Cash Management Account
Finder score
5.6 Standard
Maximum Variable Rate p.a.
1.25%
Standard Variable Rate p.a.
1.25%
Intro/Ongoing
Ongoing rate
Monthly Max Rate Conditions
  • No deposit or withdrawal conditions
  • Balance from $2,000
View details
Compare product selection
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Showing 15 of 15 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.

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UniBank term deposits

2 of 2 results
Checked 7 November 2026
Finder Score 3 Mths p.a. 6 Mths p.a. 10 Mths p.a. 12 Mths p.a. 24 Mths p.a.
UniBank logo
8.6 Great
UniBank Edvest Term Deposit
$1,000 min. deposit
$1,000,000 max. deposit
8.6 Great
3 Mths p.a.
5.00%
6 Mths p.a.
5.15%
10 Mths p.a.
4.30%
12 Mths p.a.
5.40%
24 Mths p.a.
4.30%
View details
Compare product selection
UniBank logo
8.6 Great
UniBank Member Term Deposit
$1,000 min. deposit
$1,000,000 max. deposit
8.6 Great
3 Mths p.a.
4.95%
6 Mths p.a.
5.10%
10 Mths p.a.
4.25%
12 Mths p.a.
5.35%
24 Mths p.a.
4.25%
View details
Compare product selection
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Showing 2 of 2 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.

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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 to apply for UniBank 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.

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