Savings leaderboard151 accounts3 November 2026
The highest savings rates, category by category.
Rank by
- First6.00%p.a.Future Saver AccountBOQ$1k deposit a month · 5 card purchases · Paid up to $50kGo to site
- Second6.00%p.a.Future Saver Account (ages 14–17)BOQNo monthly conditions · Paid up to $50kGo to site
- Third6.00%p.a.Smart Saver Account (under 25)Newcastle PermanentBalance must grow · No more than 2 withdrawals · Paid up to $50kGo to site
Ranked by total interest rate (base rate plus bonus rate), highest first. Compares 70 banks, not the whole market.
The other 148 accounts
Ranked by total interest rate (base rate plus bonus rate), highest first.
4Places moved since 4 October0.25Rate changed in the last 30 days0.25Earlier change
| # | Account | Rate paid up to | Highest rate | Links |
|---|---|---|---|---|
| 4 |  | $150k | 5.95%p.a.0.05 below first ranked | Go to site |
| 5 |  | $250k | 5.80%p.a.0.20 below first ranked | Go to site |
| 6 |  | $5k | 5.75%p.a.0.25 below first ranked | Go to site |
| 7 |  | $25k | 5.75%p.a.0.25 below first ranked | Go to site |
| 8 |  | $250k | 5.65%p.a.0.35 below first ranked | Go to site |
| 9 | | $250k | 5.65%p.a.0.35 below first ranked | Go to site |
| 10 |  | $500k | 5.65%p.a.0.35 below first ranked | Go to site |
| 11 |  | $250k | 5.65%p.a.0.35 below first ranked | Go to site |
| 12 |  | $100k | 5.60%p.a.0.40 below first ranked | Go to site |
| 13 | | $50k | 5.60%p.a.0.40 below first ranked | Go to site |
| 14 |  | $250k | 5.60%p.a.0.40 below first ranked | Go to site |
| 15 |  | $1m | 5.60%p.a.0.40 below first ranked | Go to site |
| 16 |  | $250k | 5.60%p.a.0.40 below first ranked | Go to site |
| 17 |  | $10k | 5.55%p.a.0.45 below first ranked | Go to site |
| 18 |  | $100k | 5.55%p.a.0.45 below first ranked | Go to site |
| 19 |  | $50k | 5.50%p.a.0.50 below first ranked | Go to site |
| 20 |  | $50k | 5.50%p.a.0.50 below first ranked | Go to site |
| 21 |  | $100k | 5.50%p.a.0.50 below first ranked | Go to site |
| 22 | | $100k | 5.50%p.a.0.50 below first ranked | Go to site |
| 23 |  | No cap | 5.50%p.a.0.50 below first ranked | Go to site |
| 24 |  | No cap | 5.50%p.a.0.50 below first ranked | Go to site |
| 25 |  | $100k | 5.50%p.a.0.50 below first ranked | Go to site |
| 26 |  | $10k | 5.50%p.a.0.50 below first ranked | Go to site |
| 27 | | $250k | 5.45%p.a.0.55 below first ranked | Go to site |
| 28 |  | $1m | 5.40%p.a.0.60 below first ranked | Go to site |
| 29 |  | $1m | 5.40%p.a.0.60 below first ranked | Go to site |
| 30 |  | $1m | 5.40%p.a.0.60 below first ranked | Go to site |
| 31 | | $250k | 5.35%p.a.0.65 below first ranked | Go to site |
| 32 | | $250k | 5.35%p.a.0.65 below first ranked | Go to site |
| 33 |  | $5k | 5.35%p.a.0.65 below first ranked | Go to site |
| 34 | | No cap | 5.35%p.a.0.65 below first ranked | Go to site |
| 35 | | $250k | 5.35%p.a.0.65 below first ranked | Go to site |
| 36 |  | $100k | 5.35%p.a.0.65 below first ranked | Go to site |
| 37 | | $50k | 5.35%p.a.0.65 below first ranked | Go to site |
| 38 |  | $250k | 5.35%p.a.0.65 below first ranked | Go to site |
| 39 |  | $100k | 5.35%p.a.0.65 below first ranked | Go to site |
| 40 |  | No cap | 5.35%p.a.0.65 below first ranked | Go to site |
| 41 |  | $1m | 5.35%p.a.0.65 below first ranked | Go to site |
| 42 |  | No cap | 5.30%p.a.0.70 below first ranked | Go to site |
| 43 | | No cap | 5.30%p.a.0.70 below first ranked | Go to site |
| 44 |  | $50k | 5.30%p.a.0.70 below first ranked | Go to site |
| 45 |  | $3m | 5.30%p.a.0.70 below first ranked | Go to site |
| 46 |  | No cap | 5.30%p.a.0.70 below first ranked | Go to site |
| 47 | | No cap | 5.30%p.a.0.70 below first ranked | Go to site |
| 48 |  | $250k | 5.30%Ultra plan · $99.99/mo0.70 below first ranked | Go to site |
| 49 | | $250k | 5.30%p.a.0.70 below first ranked | Go to site |
| 50 | | No cap | 5.30%p.a.0.70 below first ranked | Go to site |
| 51 |  | No cap | 5.25%p.a.0.75 below first ranked | Go to site |
| 52 | | $1m | 5.25%p.a.0.75 below first ranked | Go to site |
| 53 | | $150k | 5.25%p.a.0.75 below first ranked | Go to site |
- 4Westpac Life with Spend&Save5.95%p.a.0.05 below first ranked$1 deposit a month · 20 card purchases · Balance must grow · Paid up to $150k
- 5Virgin Money Boost Saver with Lock Saver5.80%p.a.0.20 below first ranked$1k deposit a month · 5 card purchases · Locked: 32 days' notice to withdraw · Paid up to $250k
- 6Youth eSaverGreat Southern Bank5.75%p.a.0.25 below first rankedNo monthly conditions · Paid up to $5k
- 7Growth SaverMoveBank5.75%p.a.0.25 below first ranked$200 deposit a month · No withdrawals · Paid up to $25k
- 8Strong Start SaverBank First5.65%p.a.0.35 below first rankedNo monthly conditions · Paid up to $250k
- 9Smart Saver AccountBOQ5.65%p.a.0.35 below first ranked$1k deposit a month · 5 card purchases · Paid up to $250k
- 10Savings BoosterING5.65%p.a.0.35 below first rankedBalance must grow · Paid up to $500k
- 11PremiumSaverRabobank5.65%p.a.0.35 below first rankedBalance must grow · Paid up to $250k
- 12Reward Saver Kick StartIMB Bank5.60%p.a.0.40 below first ranked$20 deposit a month · No withdrawals · Paid up to $100k
- 13Goal SaverGreat Southern Bank5.60%p.a.0.40 below first ranked$500 deposit a month · 5 card purchases · Paid up to $50k
- 14Personal Savings AccountJudo Bank5.60%p.a.0.40 below first ranked$300 deposit a month · Paid up to $250k
- 15HomeMEME Bank5.60%p.a.0.40 below first ranked$2k deposit a month · Paid up to $1m
Total rate is base plus bonus rate, assuming every monthly condition is met; a rate the bank has announced is used from the day it is announced, marked with the day it starts. Age-restricted accounts are included here so every bank’s highest advertised rate appears.
Rank them on your answers
Ranked here on the rate alone. The questions check each account’s monthly conditions and age limits against yours, and price the interest on your balance.
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As of 3 November 2026, the highest total savings rate tracked by BankMate is 6.00% p.a. from BOQ (Future Saver Account), including bonus interest, for customers aged 18 to 35. How we rank