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Beyond Bank monEsaver Account

Enjoy the flexibility of banking online when you need to while still getting the high interest saving account benefits.

The monEsaver Account is online savings account from Beyond Bank that pays a competitive interest rate on balances that exceed a certain amount. This is an account worth looking into if you have a savings goal in mind, but still want easy access to your funds when you need it.

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0.45% p.a.

Maximum variable rate


Base interest rate


Minimum deposit

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Product NameBeyond Bank monEsaver Internet Savings Account
Maximum Variable Rate0.45% p.a.
Standard Variable Rate0.30% p.a.
Monthly Account Fee$0
Minimum Opening Deposit$0
Minimum Age13

Review by

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

Expert review

This account has tiered interest, so you earn more or less interest, depending on how much you deposit. The base interest rate of 0.3% p.a. is the interest you earn on deposits up to $4,999.

Key features

Monthly account keeping fee

There are no monthly charges for using the monEsaver account.

Transaction fees

Any transaction made electronically plus branch deposits and credits are free. You will be charged $4 per transaction if you make withdrawals or transfers from the account using any method other than your online banking network.

How to apply


If you are already a member of Beyond Bank you can complete an application for the monEsaver Account you are able to complete an application through your internet banking account. New customers will either need to call or visit a local branch in order to apply. You can also visit their website and fill out an online enquiry form for a representative to contact you about opening a savings account. First check to ensure that you are eligible for the monEsaver Account:

  • Minimum age. All applicants must be at least 13 of age in order to be considered for this account.
  • Residency requirements. Beyond Bank requires applicants to be permanent Australian residents in order to hold an account with the mutual bank.

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