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Product	Finder Score	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Finder score 8.1 Great Rabobank High Interest Savings Account	Finder score 8.1 Great	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.	Go to site More info Compare product selectionCompare	loading
Finder score 9.1 Excellent Suncorp Bank Growth Saver Account	Finder score 9.1 Excellent	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.	Go to site More info Compare product selectionCompare	loading
Finder score 9.4 Excellent Ubank Save Account Finder AwardExclusive	Finder score 9.4 Excellent	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.	Go to site More info Compare product selectionCompare	loading
Finder score 9.7 Excellent ING Savings Maximiser Most Loved	Finder score 9.7 Excellent	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	Go to site More info Compare product selectionCompare	loading
Finder score 9.2 Excellent St.George Incentive Saver	Finder score 9.2 Excellent	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	Go to site More info Compare product selectionCompare	loading
Finder score 9.6 Excellent Westpac Life (18-29 year olds only)	Finder score 9.6 Excellent	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	Go to site More info Compare product selectionCompare	loading
Finder score 9.2 Excellent St.George Incentive Saver	Finder score 9.2 Excellent	Maximum Variable Rate p.a. 4.75%	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	Go to site More info Compare product selectionCompare	loading
Finder score 9.1 Excellent Macquarie Savings Account	Finder score 9.1 Excellent	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.	Go to site More info Compare product selectionCompare	loading
Finder score 9.4 Excellent Ubank Save Account Finder AwardExclusive	Finder score 9.4 Excellent	Maximum Variable Rate p.a. 0.00%	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	0% p.a. welcome bonus rate for new customers for the first 4 months, then an ongoing bonus rate of 0% 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.	Go to site More info Compare product selectionCompare	loading
Finder score 9.6 Excellent Westpac Life (18-29 year olds only)	Finder score 9.6 Excellent	Maximum Variable Rate p.a. 4.50%	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	Go to site More info Compare product selectionCompare	loading

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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