Savings account
Unity Bank Bonus Saver Account
4.60%p.a. total
0.10% base + 4.50% bonus when the conditions are met
88th of 151 savings accounts · market average 4.37%
The RBA raised the cash rate to 4.60% on 30 September. Bonus Saver Account hasn't moved yet. After the May rise it moved 27 days later.
What the bonus asks
2 things each month- Each month
- A deposit of at least $100
- No withdrawals
- A month without them
Pays the 0.10% base rate on the whole balance.
- Who can open it
Anyone
- Balance
No balance cap.
Rate history
Last change 2 June- Bonus Saver Account
- RBA cash rate
- Market average
June 20261 change
- 2Tue
- 4.40 → 4.60Bonus rate 4.30% → 4.50% · 27 days after the RBA rise to 4.35%+0.20
- #54AprApr 2026: ranked 54 of 76
- #63MayMay 2026: ranked 63 of 79
- #60JunJune 2026: ranked 60 of 79
- #61JulJuly 2026: ranked 61 of 80
- #61AugAug 2026: ranked 61 of 80
- #74SepSep 2026: ranked 74 of 120
- #87OctOct 2026: ranked 87 of 150
- #88NowNov 2026: ranked 88 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
Mostly outside the top half of accounts over the last 8 months: from #87 of 150 in Oct 2026 to #63 of 79 in May 2026.
- A year meeting the conditions
- $2,300
- A year without meeting the conditions
- $50
- Against the average (4.37%)
- +$116
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
Notes from savers
to leave a note.
Other Unity Bank accounts: MoneyMAX 4.50%
Pays 4.60% p.a. total (0.10% base plus 4.50% bonus) as of 2 November 2026. Ranks 88th of 151 savings accounts tracked by BankMate, 0.23 points above the average of 4.37%. The rate last rose on 2 June 2026, 27 days after the RBA raised the cash rate to 4.35%. From Unity Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·