Savings account · 18+ years
Judo Bank Personal Savings Account
5.60%p.a. total
0.05% base + 5.55% bonus when the conditions are met
12th of 151 savings accounts · market average 4.37%
The RBA raised the cash rate to 4.60% on 30 September. Personal Savings Account moved on 7 October, 7 days later.
What the bonus asks
1 thing each month- Each month
- A deposit of at least $300
- A month without them
Pays the 0.05% base rate on the whole balance.
- Who can open it
Anyone 18 or over
- Balance
The bonus is paid on balances up to $250,000.
Rate history
Last change 7 Oct- Personal Savings Account
- RBA cash rate
- Market average
October 20261 change
- 7Wed
- 5.35 → 5.60Bonus rate 5.30% → 5.55% · 7 days after the RBA rise to 4.60%+0.25
- #3MarMar 2026: ranked 3 of 64
- #3AprApr 2026: ranked 3 of 76
- #5MayMay 2026: ranked 5 of 79
- #7JunJune 2026: ranked 7 of 79
- #8JulJuly 2026: ranked 8 of 80
- #8AugAug 2026: ranked 8 of 80
- #13SepSep 2026: ranked 13 of 120
- #11OctOct 2026: ranked 11 of 150
- #12NowNov 2026: ranked 12 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
In the top 10% for 8 of the last 9 months. Never below the top 25%.
- A year meeting the conditions
- $2,800
- A year without meeting the conditions
- $25
- Against the average (4.37%)
- +$616
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
Notes from savers
to leave a note.
Pays 5.60% p.a. total (0.05% base plus 5.55% bonus) as of 1 November 2026. Ranks 12th of 151 savings accounts tracked by BankMate, 1.23 points above the average of 4.37%. The rate last rose on 7 October 2026, 7 days after the RBA raised the cash rate to 4.60%. From Judo Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·