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Set a goal and stay on track with bonus interest

Bonus interest*
Every month your balance grows by $50 or more
Personalise your account
Saving for something special? Name your account to suit your goal
Strong base rate
Earn a competitive base rate even when you don’t grow your balance

0.45% p.a.

This rate is a combination of the bonus variable rate of 0.25% p.a.
and a base variable rate of 0.20% p.a

These rates apply to all balances.

Balance Standard variable rate Standard Bonus* Earn up to
Balances up to $19,999.99 0.20% p.a. 0.25% p.a. 0.45% p.a.
Balances $20,000 to $99,999.99 0.20% p.a. 0.25% p.a. 0.45% p.a.
Balances $100,000 to $249,999.99 0.20% p.a. 0.25% p.a. 0.45% p.a.
Balances $250,000 to $499,999.99 0.20% p.a. 0.25% p.a. 0.45% p.a.
Balances $500,000 to 1M 0.20% p.a. 0.25% p.a. 0.45% p.a.
Balances 1M+ 0.20% p.a. 0.25% p.a. 0.45% p.a.

* Grow your account balance by at least $50 each month to earn bonus interest (if you are under 21, grow your account balance by any amount each month).

Fees and charges

  • $0.00 Monthly service fee
  • $2.50 Staff assisted (branch and telephone)


Automatic transfers
Help yourself get the total reward rate by setting up a monthly deposit in online banking.
Uncapped saving
Interest is calculated on the total balance of your Incentive Saver with no limit on deposit amounts.
Government guarantee
The Financial Claims Scheme guarantees deposits to a cap of $250,000 per account-holder.
Quick Balance
Know exactly how much money you have on hand, at a glance at your smartphone or watch.

In detail

Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.

How to open an account

Read both the terms and conditions, and fees above
Give yourself a few minutes
Have your contact details handy
Have your Tax File Number (TFN) ready