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Westpac Bump Savings vs Westpac eSaver

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These are open to different people: Westpac Bump Savings only to 14 to 17 year olds, Westpac eSaver to anyone 14 or over.
Interest a year on $50,000, with the conditions met
$2,650
5.30% on this balance
$625
1.25% on this balance

Westpac Bump Savings pays $2,025 more a year on $50,000 than Westpac eSaver, but it's open only to 14 to 17 year olds.

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Where they differThe rate (5.30% against 1.25%), the conditions on the bonus, the intro rate and who can open it.

The same on bothNo cap on the top rate and no minimum balance.

WestpacBump Savings
WestpacWestpac eSaver
Interest a year without meeting the conditions
on $50,000
$875
at the base rate
+$250 · More without meeting the conditions
$625
No conditions to miss
Total rate
base plus bonus
5.30%
+4.05 · Higher total rate
1.25%
Base rate
paid whatever you do
1.75%
+0.50 · Higher base rate
1.25%
the whole rate
Bonus rate
3.55%
with the conditions met
+3.55 · Higher bonus rate
None
one rate, nothing to do
What the bonus asks each month
  1. A deposit
  2. A balance that ends the month higher than it started
Nothing
Intro rate
for new accounts
None
5.50%
for 5 months
Who can open it
14 to 17 year olds
Anyone 14 or over
Rank by total rate
27th of 114
among accounts open to under-18s
105th of 117
among accounts open to adults
Last rate change
9 Oct 2026
up 0.25
No change
since 25 Sep 2026

Rates over time

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

Westpac Bump Savings
Go to siteMore about this account
Westpac eSaver
Go to siteMore about this account

As of 2 November 2026, Westpac Bump Savings pays 5.30% with its monthly conditions met, and Westpac eSaver pays 1.25% with nothing to do each month. On $50,000, that's $2,650 against $625 a year, $2,025 more from Westpac Bump Savings. 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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