Savings account · 18+ years
Gateway Bank Goal Saver
4.60%p.a. total
0.10% base + 4.50% bonus when the conditions are met
94th of 151 savings accounts · market average 4.46%
The RBA raised the cash rate to 4.85% on 4 November. Goal Saver hasn't moved yet. After the September rise it moved 14 days later.
What the bonus asks
1 thing each month- Each month
- A balance at least $250 higher than it started
- A month without them
Pays the 0.10% base rate on the whole balance.
- Who can open it
Anyone 18 or over
- Balance
The bonus is paid on balances up to $100,000.
Rate history
Last change 14 Oct- Goal Saver
- RBA cash rate
- Market average
October 20261 change
- 14Wed
- 4.35 → 4.60Bonus rate 4.25% → 4.50% · 14 days after the RBA rise to 4.60%+0.25
- #84SepSep 2026: ranked 84 of 120
- #87OctOct 2026: ranked 87 of 150
- #91NowNov 2026: ranked 91 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
Mostly outside the top half of accounts over the last 3 months: from #87 of 150 in Oct 2026 to #84 of 120 in Sep 2026.
- A year meeting the conditions
- $2,300
- A year without meeting the conditions
- $50
- Against the average (4.46%)
- +$71
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
Notes from savers
to leave a note.
Other Gateway Bank accounts: Dollaroo Junior Savers 4.00% · eMax Saver Account 0.60%
Pays 4.60% p.a. total (0.10% base plus 4.50% bonus) as of 9 November 2026. Ranks 94th of 151 savings accounts tracked by BankMate, 0.14 points above the average of 4.46%. The rate last rose on 14 October 2026, 14 days after the RBA raised the cash rate to 4.60%. From Gateway Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·