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Savings · Side by side
Macquarie Savings Account vs ubank Save account
vs
Interest a year on $50,000, with the conditions met
$2,625
5.25% on this balance
$2,675
5.35% on this balance
ubank Save account pays $50 more a year on $50,000 than Macquarie Savings Account.
Drag to try another balance
MacquarieMacquarie Savings Account
ubankSave account
Figure by figure
Interest a year with the conditions missed
on $50,000
$2,625
No conditions to miss
+$2,625 · More with the conditions missed
$0
at the base rate
Total rate
base plus bonus
5.25%
from 15 Oct · 5.00% until then
5.35%
+0.10 · Higher total rate
Base rate
paid whatever you do
5.25%
from 15 Oct
+5.25 · Higher base rate
0.00%
Bonus rate
None
one rate, nothing to do
5.35%
with the conditions met
+5.35 · Higher bonus rate
Top rate paid up to
$250k
$1M
+$750k · Covers more of a balance
What the bonus asks each month
Nothing
- 1A balance that ends the month higher than it started
Intro rate
for new accounts
None
6.25%
for 4 months
Who can open it
Anyone 12 or over
Anyone 16 or over
Minimum balance
None
None
Rank by total rate
among the accounts we track
42nd of 152
24th of 152
Last rate change
22 May 2026
up 0.25
6 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.
As of 13 October 2026, Macquarie Savings Account pays 5.25% with nothing to do each month, and ubank Save account pays 5.35% with its monthly conditions met. On $50,000, that's $2,625 against $2,675 a year, $50 more from ubank Save account. 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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