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Current savings account offers

12 of 176 results
Updated regularly
Finder Score Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Finder score
8.1 Great
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
3.45%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Earn a high interest rate of 5.00% 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 Excellent
Maximum Variable Rate p.a.
4.30%
Standard Variable Rate p.a.
0.05%
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.
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Finder score
9.1 Excellent
Maximum Variable Rate p.a.
4.60%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Earn a welcome variable rate of 4.6% p.a. for the first 4 months on balances up to $250k, 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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AMP Bank Go logo
Finder score
9.1 Excellent
AMP Bank GO Save
Finder score
9.1 Excellent
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances $0 - $250,000
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ING logo
Finder score
9.8 Excellent
ING Savings Maximiser
Finder score
9.8 Excellent
Maximum Variable Rate p.a.
4.80%
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
Welcome bonus: Get $100 when you open a new Orange Everyday and Savings Maximiser account with code OEJOIN100 and deposit $1000, plus make 5 debit purchases by 30 Nov 2025 (T&Cs apply).
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Newcastle Permanent logo
Finder score
8.1 Great
Newcastle Permanent Smart Saver Account
Finder score
8.1 Great
Maximum Variable Rate p.a.
3.75%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance
  • No more than 2 withdrawals
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BCU Bank logo
Finder score
9.1 Excellent
BCU Bank Boss Saver
Finder score
9.1 Excellent
Maximum Variable Rate p.a.
4.50%
Standard Variable Rate p.a.
0.20%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $500
  • 5 Access Account debit card purchases
  • Balance under $100,000
Earn an ongoing 4.5% p.a. when you deposit $500 per month and make 5+ card payments from your BCU Bank Access Account each month. You can make withdrawals and still earn bonus interest.
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P&N Bank logo
Finder score
9.1 Excellent
P&N Bank Savvy Saver
Finder score
9.1 Excellent
Maximum Variable Rate p.a.
4.50%
Standard Variable Rate p.a.
0.20%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $500
  • 5 Access Account debit card purchases
  • Balance under $100,000
Get 4.5% p.a. ongoing when you deposit $500 and make 5 debit card purchases per month. Make withdrawals and still earn bonus interest.
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ING logo
Finder score
8.8 Great
ING Savings Accelerator
Finder score
8.8 Great
Maximum Variable Rate p.a.
4.70%
Standard Variable Rate p.a.
3.95%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Welcome rate applies up to $500K
Ideal for higher balances, savers can earn up to 4.7% for the first 4 months and up to 3.95% thereafter. There are no conditions and $0 account-keeping fees.
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St.George Bank logo
Finder score
9.2 Excellent
St.George Incentive Saver
Finder score
9.2 Excellent
Maximum Variable Rate p.a.
4.40%
Standard Variable Rate p.a.
0.25%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance by at least $50 ($0.01 if under 21)
  • Balance up to $249,999.99
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BCU Bank logo
Finder score
3.4 Basic
BCU Bank Bonus Saver
Finder score
3.4 Basic
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
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P&N Bank logo
Finder score
3.4 Basic
P&N Bank Hi Saver Account
Finder score
3.4 Basic
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
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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

More resources on Finder

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14 Responses

    Default Gravatar
    italoJune 24, 2025

    is coastline bank australian bank guaranteed

      Sarah Megginson's headshotFinder
      SarahJune 27, 2025Finder

      Yes, Coastline Bank is covered under the Australian government’s Financial Claims Scheme (FCS), meaning deposits are guaranteed up to $250,000 per account holder per Authorised Deposit-taking Institution (ADI) in the unlikely event of the institution failing.

    Default Gravatar
    PeterApril 24, 2024

    do you have information on Beyond Bank

    Default Gravatar
    peterJuly 14, 2023

    I wish to find a bank interest rate greater than 5.50% – with the $250k Government guarantee
    – any suggestions /recommendations ?
    Please
    Thankyou
    Peter B

    Default Gravatar
    GlenJune 5, 2023

    I cannot find a way for your finder to simply show all of the best base interest rates (as opposed to the limited time high interest rate offering).
    (Also your expert commentary often seems off the mark. Eg it said that the Rabobank base interest rate of 4% was low and there was much better out there in the market place. Most banks that I looked at were much lower??)
    Best
    Glen

      Alison Banney's headshotFinder
      AlisonJune 8, 2023Finder

      Hi Glen, you can filter for the base interest rates by clicking on that column heading to show in order of highest or lowest.

    Default Gravatar
    DanielaJanuary 3, 2023

    If you have a $50,000.00 to invest which term deposit or other account would you recommend

      Alison Banney's headshotFinder
      AlisonJanuary 11, 2023Finder

      Hi Daniela,

      You can check our page here for options.

      Best regards,
      Alison

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