High interest savings accounts in 2026

Rates that could give you high fives all day long (checked daily.)

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By

Alison Banney

Edited by

Richard Whitten

Updated

Fact checked
12 of 173 results
Updated regularly
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
Finder score
9.3
Maximum Variable Rate p.a.
5.10%
Standard Variable Rate p.a.
3.45%
Intro/Ongoing
4 month intro rate
Balance $0 to $250,000
Earn a high interest rate of 5.10% p.a. for the first 4 months and then 3.45% p.a. thereafter, with $0 account keeping fees and no monthly balance requirements.
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Finder score
9.6
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
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Finder score
9.5
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.
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MyState Bank logo
Finder score
9.7
MyState Bank Hello Saver
Finder score
9.7
Maximum Variable Rate p.a.
4.60%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
4 month intro rate
Balance up to $100,000
Intro rate for new customers only
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Suncorp Bank logo
Finder score
8.9
Suncorp Bank Growth Saver Account
Finder score
8.9
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.
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IMB logo
Finder score
8.9
IMB Reward Saver Kick Start
Finder score
8.9
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $1,000,000
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.
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Macquarie Bank logo
Finder score
9.7
Macquarie Savings Account
Finder Award
Finder score
9.7
Maximum Variable Rate p.a.
4.60%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
4 month intro rate
Balance $0 to $250,000
Earn a welcome variable rate of 4.6% p.a. for the first 4 months on balances up to $250,000 then 4.25% p.a. ongoing variable rate on balances up to $2m. There are no monthly requirements to earn interest.
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Newcastle Permanent logo
Finder score
8.5
Newcastle Permanent Smart Saver Account
Finder score
8.5
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
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ING logo
Finder score
9.2
ING Savings Maximiser
Most Loved
Finder score
9.2
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
Get a $100 welcome bonus when you open a new Orange Everyday and Savings Maximiser account using the code 100BONUS and deposit $1,000 plus make 5 eligible debit card purchases by 31 Mar 2026. T&Cs apply.
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IMB logo
Finder score
6.4
IMB Reward Saver Account
Finder score
6.4
Maximum Variable Rate p.a.
4.50%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
4 month intro rate
Balance $0 to $1,000,000
Deposit $50
No withdrawals
Earn up to 2.5% p.a. after the introductory period ends.
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Ubank logo
Finder score
9.2
Ubank Save Account
Finder score
9.2
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.
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Westpac logo
Finder score
9.1
Westpac Life (18-34 year olds only)
Finder score
9.1
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
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How to compare high interest savings accounts

There's more to consider than just the high interest rate. Think about the following when you compare accounts:

  • Is the interest rate competitive?
  • Can I meet the monthly deposit requirement every month without putting myself into financial stress? If you can't, consider an account with a smaller monthly deposit condition.
  • Is it important to me that I keep my existing everyday bank account? If yes, consider a savings account with that same bank.
  • Is the high rate for an introductory period only (e.g. for the first 4-5 months)? If it is, will I be happy to change accounts again after this?
  • Am I able to make withdrawals from the account if I need to without losing my interest that month?
Taylor Blackburn's headshot
Our expert says

"I've had 4 different HISA accounts and my view is there are only a few worth having depending on your personal situation. If you are interested in maximising your interest on a balance below $100K, I prefer Ubank as it gives you a high ongoing rate with only one hoop to jump through (the monthly deposit requirement). ING used to hold the crown, but they made it tough to get their bonus rate as you had to deposit more and make 5 transactions on the linked card. CBA's Goalsaver is less competitive but great for those who might be saving larger balances (like for a deposit) as they will pay a decent rate on almost any balance as long as you make a deposit and grow the balance."

Taylor Blackburn's headshot
Money Expert

Looking for more interest-earning options? Check out these accounts

Term deposits provide an alternative option to savings accounts where you can lock in your money for longer and potentially earn more interest. Here are a few term deposits which offer an interest rate above 4%p.a.:

10 of 152 results
Updated regularly
Finder Score 3 Mths p.a. 6 Mths p.a. 10 Mths p.a. 12 Mths p.a. 24 Mths p.a.
Finder Score
9 Excellent
3 Mths p.a.
3.75%
6 Mths p.a.
4.30%
10 Mths p.a.
3.60%
12 Mths p.a.
4.35%
24 Mths p.a.
3.30%
Lock in a rate as high as 4.3% for 6 months with a minimum $1,000 deposit.
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Finder Score
8.8 Great
3 Mths p.a.
3.75%
6 Mths p.a.
4.30%
10 Mths p.a.
3.60%
12 Mths p.a.
4.35%
24 Mths p.a.
3.30%
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Finder Score
9.9 Excellent
3 Mths p.a.
-
6 Mths p.a.
4.50%
10 Mths p.a.
-
12 Mths p.a.
4.65%
24 Mths p.a.
-
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Judo Bank logo
Finder Score
9.7 Excellent
Judo Bank Term Deposit
Finder Award
$1,000 min. deposit
Finder Score
9.7 Excellent
3 Mths p.a.
4.05%
6 Mths p.a.
4.40%
10 Mths p.a.
4.25%
12 Mths p.a.
4.75%
24 Mths p.a.
4.50%
You can get competitive interest rates on all term lengths. This term deposit has a low minimum deposit amount and is a 2025 Finder Award winner.
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Community First Bank logo
Finder Score
9.8 Excellent
Community First Bank Term Deposit Special Offer
$10,000 min. deposit
$1,000,000 max. deposit
Finder Score
9.8 Excellent
3 Mths p.a.
-
6 Mths p.a.
-
10 Mths p.a.
-
12 Mths p.a.
4.75%
24 Mths p.a.
-
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P&N Bank logo
Finder Score
9.4 Excellent
P&N Bank Term Deposit
$5,000 min. deposit
$1,000,000 max. deposit
Finder Score
9.4 Excellent
3 Mths p.a.
4.20%
6 Mths p.a.
4.35%
10 Mths p.a.
3.60%
12 Mths p.a.
4.25%
24 Mths p.a.
3.95%
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BCU Bank logo
Finder Score
8.8 Great
BCU Bank Term Deposit
$1,000 min. deposit
$999,999 max. deposit
Finder Score
8.8 Great
3 Mths p.a.
4.15%
6 Mths p.a.
4.35%
10 Mths p.a.
3.55%
12 Mths p.a.
3.90%
24 Mths p.a.
3.45%
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Bankwest logo
Finder Score
8.7 Great
Bankwest Term Deposit
$1,000 min. deposit
$10,000,000 max. deposit
Finder Score
8.7 Great
3 Mths p.a.
3.75%
6 Mths p.a.
3.80%
10 Mths p.a.
3.60%
12 Mths p.a.
4.15%
24 Mths p.a.
3.50%
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MyState Bank logo
Finder Score
8.9 Great
MyState Bank Online Term Deposit
$5,000 min. deposit
$50,000,000 max. deposit
Finder Score
8.9 Great
3 Mths p.a.
4.05%
6 Mths p.a.
4.25%
10 Mths p.a.
3.75%
12 Mths p.a.
4.35%
24 Mths p.a.
3.50%
Lock in competitive rates and pay no monthly account fees with this online term deposit.
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Rabobank logo
Finder Score
9.1 Excellent
Rabobank Term Deposit (SMSF)
$1,000 min. deposit
$100,000 max. deposit
Finder Score
9.1 Excellent
3 Mths p.a.
3.95%
6 Mths p.a.
4.10%
10 Mths p.a.
-
12 Mths p.a.
4.20%
24 Mths p.a.
3.95%
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Richard Whitten's headshot
To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten 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 659 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living
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