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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
9.1
Maximum Variable Rate p.a.
3.39%
Standard Variable Rate p.a.
3.39%
Intro/Ongoing
Ongoing rate
(conditions apply)
AUD
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Finder score
9.4
Maximum Variable Rate p.a.
4.00%
Standard Variable Rate p.a.
4.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
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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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Macquarie Bank logo
Finder score
9.6
Macquarie Savings Account
Finder Award
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 $250,001 to $2,000,000
Earn a welcome variable rate of 4.25% 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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ING logo
Finder score
9.5
ING Savings Accelerator
Most Loved
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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ING logo
Finder score
9.4
ING Savings Accelerator
Most Loved
Finder score
9.4
Maximum Variable Rate p.a.
3.95%
Standard Variable Rate p.a.
3.95%
Intro/Ongoing
4 month intro rate
Balance $500,001 to $5 million
Ideal for higher balances, savers can earn up to 3.95% for the first 4 months and up to 3.95% thereafter. There are no conditions and $0 account-keeping fees.
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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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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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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 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

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