Savings account
Unity Bank MoneyMAX
4.50%p.a. total
No bonus conditions: the rate is paid every month
98th of 151 savings accounts · market average 4.37%
The RBA raised the cash rate to 4.60% on 30 September. MoneyMAX hasn't moved yet. After the May rise it moved 29 days later.
What it asks
Nothing each month- Each month
Nothing. The rate is paid every month.
- Who can open it
Anyone
- Balance
No balance cap.
Rate history
Last change 4 June- MoneyMAX
- RBA cash rate
- Market average
June 20261 change
- 4Thu
- 4.25 → 4.50Total rate 4.25% → 4.50% · 29 days after the RBA rise to 4.35%+0.25
April 20261 change
- 2Thu
- 4.00 → 4.25Total rate 4.00% → 4.25% · 15 days after the RBA rise to 4.10%+0.25
- #39FebFeb 2026: ranked 39 of 42
- #55MarMar 2026: ranked 55 of 64
- #60AprApr 2026: ranked 60 of 76
- #67MayMay 2026: ranked 67 of 79
- #63JunJune 2026: ranked 63 of 79
- #64JulJuly 2026: ranked 64 of 80
- #64AugAug 2026: ranked 64 of 80
- #78SepSep 2026: ranked 78 of 120
- #97OctOct 2026: ranked 97 of 150
- #98NowNov 2026: ranked 98 of 151
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
Mostly outside the top half of accounts over the last 10 months: from #97 of 150 in Oct 2026 to #39 of 42 in Feb 2026.
- Interest a year
- $2,250
- Each month
- $188
- Against the average (4.37%)
- +$66
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
No hoops. Has BPAY and external transfers from account.
Notes from savers
to leave a note.
Other Unity Bank accounts: Bonus Saver Account 4.60%
Pays 4.50% p.a. with no bonus conditions as of 2 November 2026. Ranks 98th of 151 savings accounts tracked by BankMate, 0.13 points above the average of 4.37%. The rate last rose on 4 June 2026, 29 days after the RBA raised the cash rate to 4.35%. From Unity Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·