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Bank First First Home Bonus Saver Account vs Bank First Strong Start Saver

vs
These are open to different people: Bank First First Home Bonus Saver Account to anyone 18 or over, Bank First Strong Start Saver only to 15 to 35 year olds.
Interest a year on $50,000, with the conditions met
$2,650
5.30% on this balance
$2,825
5.65% on this balance

Bank First Strong Start Saver pays $175 more a year on $50,000 than Bank First First Home Bonus Saver Account.

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Where they differThe rate (5.30% against 5.65%), the conditions on the bonus, how much of a balance the top rate covers, who can open it and the minimum balance.

Bank FirstFirst Home Bonus Saver Account
Bank FirstStrong Start Saver
Interest a year without meeting the conditions
on $50,000
$25
at the base rate
$2,825
No conditions to miss
+$2,800 · More without meeting the conditions
Total rate
base plus bonus
5.30%
5.65%
+0.35 · Higher total rate
Base rate
paid whatever you do
0.05%
5.65%
the whole rate
+5.60 · Higher base rate
Bonus rate
5.25%
with the conditions met
+5.25 · Higher bonus rate
None
one rate, nothing to do
Top rate paid up to
No cap
Covers all of it · Covers more of a balance
$250k
What the bonus asks each month
  1. A deposit of at least $100
  2. No withdrawals
Nothing
Who can open it
Anyone 18 or over
15 to 35 year olds
Minimum balance
None
$0
Rank by total rate
38th of 117
among accounts open to adults
5th of 117
among accounts open to adults
Last rate change
1 Nov 2026
up 0.25
16 Oct 2026
up 0.25

Rates over time

Each account's total rate, a cell a week. A move shows as ▲ or ▼ in the week it happened.

Bank First First Home Bonus Saver Account
Go to siteMore about this account
Bank First Strong Start Saver
Go to siteMore about this account

As of 2 November 2026, Bank First First Home Bonus Saver Account pays 5.30% with its monthly conditions met, and Bank First Strong Start Saver pays 5.65% with nothing to do each month. On $50,000, that's $2,650 against $2,825 a year, $175 more from Bank First Strong Start Saver. Figures are the banks' published rates, worked out on the balance above. Each row says which figure is higher; it doesn't say which account suits you.

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