Up Essentials Saver vs Up Saver
Up Saver pays $1,800 more a year on $50,000 than Up Essentials Saver.
Where they differThe rate (2.00% against 5.60%), the conditions on the bonus, how much of a balance the top rate covers and the sign-up bonus.
The same on both$1,000 a year without meeting the conditions, a 2.00% base rate, open to anyone 16 or over and no minimum balance.
- 5 card purchases
- No withdrawals
Rates over time
Each account's total rate, a cell a week. A move shows as ▲ or ▼ in the week it happened.
As of 2 November 2026, Up Essentials Saver pays 2.00% with nothing to do each month, and Up Saver pays 5.60% with its monthly conditions met. On $50,000, that's $1,000 against $2,800 a year, $1,800 more from Up 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.