The Finder Banking Awards 2025 use our proprietary Finder Score ratings methodology to recognise market-leading savings accounts, term deposits and transaction accounts.
We compare over 100 providers for savings accounts, term deposits and transaction accounts, assessing multiple features, including interest rates. Check out the winners for the best banking products below.
The Ubank Save account is this year's Savings Account winner as it has consistently had one of the highest total variable rates in the market over the last 12 months, plus it had a $30 cashback offer.
The Ubank Save account is this year's Savings Account winner as it has consistently had one of the highest total variable rates in the market over the last 12 months, plus it had a $30 cashback offer.
Highly commended 
The ING Savings Maximiser account was named highly commended, as it had one of the highest ongoing variable bonus rates in the market throughout the judging period.
The ING Savings Maximiser account was named highly commended, as it had one of the highest ongoing variable bonus rates in the market throughout the judging period.
The Rabobank PremiumSaver was named highly commended, as it offered a very competitive ongoing variable bonus rate throughout the judging period which was just below the best in market. What stands out about this savings account is that the bonus rate is available on large balances up to $250,000, which is higher than many other accounts, plus the monthly deposit condition of $200 is lower than most.
The Rabobank PremiumSaver was named highly commended, as it offered a very competitive ongoing variable bonus rate throughout the judging period which was just below the best in market. What stands out about this savings account is that the bonus rate is available on large balances up to $250,000, which is higher than many other accounts, plus the monthly deposit condition of $200 is lower than most.
The Australian Unity Freedom Saver is the winner of the No Conditions Savings Account category as it offered one of the highest ongoing variable rates in the market throughout the judging period with no conditions to meet. You don't need to meet a monthly deposit requirement, there's no restriction on withdrawals, nothing! It's just a great rate with no strings attached.
The Australian Unity Freedom Saver is the winner of the No Conditions Savings Account category as it offered one of the highest ongoing variable rates in the market throughout the judging period with no conditions to meet. You don't need to meet a monthly deposit requirement, there's no restriction on withdrawals, nothing! It's just a great rate with no strings attached.
Highly commended 
The Bank of Queensland Simple Saver account was named highly commended in the No Conditions Savings Account category as it offers a strong ongoing variable rate with no deposit conditions or withdrawal restrictions. Plus, the total ongoing variable rate is available on really large balances up to $5 million.
The Bank of Queensland Simple Saver account was named highly commended in the No Conditions Savings Account category as it offers a strong ongoing variable rate with no deposit conditions or withdrawal restrictions. Plus, the total ongoing variable rate is available on really large balances up to $5 million.
The Macquarie Savings account was named highly commended in the No Conditions Savings Account category as it offered one of the highest ongoing variable rates in the market throughout the judging period with absolutely no conditions to meet. As well as having no conditions to meet, interest is payable on large balances up to $2 million.
The Macquarie Savings account was named highly commended in the No Conditions Savings Account category as it offered one of the highest ongoing variable rates in the market throughout the judging period with absolutely no conditions to meet. As well as having no conditions to meet, interest is payable on large balances up to $2 million.
The Great Southern Bank Youth eSaver Account is the winner of the Kids Savings Account category as it had the highest ongoing variable rate for under 18s over the judging period. Plus, there are no conditions to meet to earn the full interest rate, making it ideal for young savers.
The Great Southern Bank Youth eSaver Account is the winner of the Kids Savings Account category as it had the highest ongoing variable rate for under 18s over the judging period. Plus, there are no conditions to meet to earn the full interest rate, making it ideal for young savers.
Highly commended 
The Australian Mutual Bank Young Saver Account was named highly commended in the Kids Savings Account category as it offered one of the highest ongoing variable rates for under 18s during the judging period. Plus, you can earn the full rate on balances up to $5,000 with no account conditions to meet making it really accessible for young savers.
The Australian Mutual Bank Young Saver Account was named highly commended in the Kids Savings Account category as it offered one of the highest ongoing variable rates for under 18s during the judging period. Plus, you can earn the full rate on balances up to $5,000 with no account conditions to meet making it really accessible for young savers.
The First Option Bank Kids Bonus Saver account was named highly commended in the Kids Savings Account category as it offered one of the highest ongoing variable rates for under 18s during the judging period. Customers can earn bonus interest on balances up to $5,555 when you deposit just $5 a month and make no withdrawals.
The First Option Bank Kids Bonus Saver account was named highly commended in the Kids Savings Account category as it offered one of the highest ongoing variable rates for under 18s during the judging period. Customers can earn bonus interest on balances up to $5,555 when you deposit just $5 a month and make no withdrawals.
Judo Bank's 12-month term deposit is the winner of the Term Deposit category as it had the highest rate on offer in the market over the judging period. It also has a small minimum deposit of just $1,000, and offers a 0.05% p.a. loyalty bonus for repeat terms.
Judo Bank's 12-month term deposit is the winner of the Term Deposit category as it had the highest rate on offer in the market over the judging period. It also has a small minimum deposit of just $1,000, and offers a 0.05% p.a. loyalty bonus for repeat terms.
Highly commended
ING's 12-month term deposit has been named highly commended in the Term Deposit category as it has consistently offered one of the most competitive fixed interest rates in the market across the judging period. It also has a low minimum deposit amount of just $1,000.
ING's 12-month term deposit has been named highly commended in the Term Deposit category as it has consistently offered one of the most competitive fixed interest rates in the market across the judging period. It also has a low minimum deposit amount of just $1,000.
AMP's 12-month term deposit has been named highly commended in the Term Deposit category as it has consistently offered one of the most competitive fixed interest rates in the market across the judging period.
AMP's 12-month term deposit has been named highly commended in the Term Deposit category as it has consistently offered one of the most competitive fixed interest rates in the market across the judging period.
The HSBC Everyday Global Account has no account keeping fees, no international transaction fees and access to free ATMs around the world. However what really makes this account a great travel option is that you can hold up to 10 different currencies. This allows you to top up on a particular currency while the exchange rate is good, then spend in that local currency while you're overseas.
The HSBC Everyday Global Account has no account keeping fees, no international transaction fees and access to free ATMs around the world. However what really makes this account a great travel option is that you can hold up to 10 different currencies. This allows you to top up on a particular currency while the exchange rate is good, then spend in that local currency while you're overseas.
Highly commended
The Macquarie Transaction Account has no account keeping fees, no international ATM fees and pays a refund on any local ATM fees charged. Plus, you can earn interest on balances up to $250,000 in your account without needing to meet any conditions. So you can earn interest while you travel.
The Macquarie Transaction Account has no account keeping fees, no international ATM fees and pays a refund on any local ATM fees charged. Plus, you can earn interest on balances up to $250,000 in your account without needing to meet any conditions. So you can earn interest while you travel.
The Suncorp Everyday Options account has no monthly account keeping fees, no international transaction fees and no overseas ATM withdrawal fee by Suncorp (the ATM operator fees may still apply though). You can also link up to 9 sub accounts to your main account which could help you manage your travel expenses and budget for your holiday.
The Suncorp Everyday Options account has no monthly account keeping fees, no international transaction fees and no overseas ATM withdrawal fee by Suncorp (the ATM operator fees may still apply though). You can also link up to 9 sub accounts to your main account which could help you manage your travel expenses and budget for your holiday.
The Macquarie Transaction Account has no account keeping fees, no international ATM fees and pays a refund on any local ATM fees charged. However what really makes this transaction account unique is that it pays interest on the money in your account, with no conditions to meet and complete access to your money.
The Macquarie Transaction Account has no account keeping fees, no international ATM fees and pays a refund on any local ATM fees charged. However what really makes this transaction account unique is that it pays interest on the money in your account, with no conditions to meet and complete access to your money.
Highly commended 
The Virgin Money Go account has no monthly account fee and allows you to earn Virgin Money Points on every purchase, direct debit and BPAY payment. You can also earn Virgin Money Points by referring friends and as a one-off Welcome Bonus when creating your account.
The Virgin Money Go account has no monthly account fee and allows you to earn Virgin Money Points on every purchase, direct debit and BPAY payment. You can also earn Virgin Money Points by referring friends and as a one-off Welcome Bonus when creating your account.
Finder's Banking Awards recognises market-leading savings accounts, term deposits and transaction accounts, using our proprietary Finder Score ratings methodology. We compare over 100 providers for savings accounts, term deposits and transaction accounts, assessing multiple features, including interest rates. Check out the winners for the best banking products below.
Our banking award winners are based on 200+ hours of research by our expert authors and insights team.
We researched 100+ banking product providers including transaction accounts, savings accounts and term deposits.
Some winners may be partners but this never influences our decisions. All policies are based on a clear methodology and must meet editorial standards.
We've published 100+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 7 years.
With over 10 years of experience writing about personal finance, Alison has written extensively for a range of financial institutions and publications including Westpac, Money Magazine and Financy.
Check out the best of the best, judged by experts.
