LEADERBOARD
The savings account leaderboard
Top-ranked savings accounts across every category — best rates, signup bonuses, and more.
🔥
Overall Best Rate
5.80%
Details
5.80%p.a.
Rate Breakdown
Base rate0.05%
Bonus rate+5.75%
Total rate
5.80%
Rate by Balance
Up to $50,0005.80%
Up to $250,0003.10%
Up to $5,000,0000.05%
Requirements
💰Balance requirement
Required: $0 - $50,000
🎂Age requirement
Required: 14-35 years
📈Monthly deposits
Required: $1000/month
5.76%
Details
5.76%p.a.
Rate Breakdown
Base rate0.01%
Bonus rate+5.75%
Total rate
5.76%
Rate by Balance
Up to $99,9995.76%
$99,999.01+3.51%
Requirements
💰Balance requirement
Required: $0 - $99,999
🎂Age requirement
Required: 13+ years
🚫Withdrawals
Not allowed
5.75%
Details
5.75%p.a.
Rate Breakdown
Base rate0.05%
Bonus rate+5.70%
Total rate
5.75%
Rate by Balance
Up to $49,999.995.75%
Up to $249,999.995.00%
$250,000.01+4.75%
Requirements
💰Balance requirement
Required: $0 - $49,999.99
🎂Age requirement
Required: Up to 24 years
📊Balance growth
Required: Amount varies/month above interest
5.75%
Details
5.75%p.a.
Rate Breakdown
Base rate0.10%
Bonus rate+5.65%
Total rate
5.75%
Rate by Balance
Up to $150,0005.75%
$150,000.01+5.00%
Requirements
💰Balance requirement
Required: $0 - $150,000
🎂Age requirement
Required: 18-40 years
💳Card transactions
Required: 20+/month
📈Monthly deposits
Required: $1/month
📊Balance growth
Required: $1/month above interest
5.65%
Details
5.65%p.a.
Rate Breakdown
Base rate0.10%
Bonus rate+5.55%
Total rate
5.65%
Rate by Balance
Up to $25,0005.65%
$25,000.01+0.10%
Requirements
💰Balance requirement
Required: $0 - $25,000
🎂Age requirement
Required: 12+ years
🚫Withdrawals
Not allowed
Show More
🎁
Best Signup Bonuses
$100
Bonus
Details
$100bonus
Rate Breakdown
Base rate0.01%
Bonus rate+5.49%
Total rate
5.50%
Signup Bonus
$100
Sign up for an ING Savings & Transaction account
Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.
Requirements
💰Balance requirement
Required: $0 - $100,000
🎂Age requirement
Required: 18+ years
💳Card transactions
Required: 5+/month
📈Monthly deposits
Required: $1000/month
📊Balance growth
Required: $1/month above interest
Rate Breakdown
Base rate0.00%
Bonus rate+5.35%
Total rate
5.35%
Rate by Balance
Up to $250,0005.35%
$250,000.01+2.00%
Signup Bonus
$15
Sign Up Bonus
Create new account today to claim your bonus.
Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.
Requirements
💰Balance requirement
Required: $0 - $250,000
🎂Age requirement
Required: 16+ years
💳Card transactions
Required: 5+/month
🚫Withdrawals
Not allowed
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🍯
Best Honeymoon Rates
6.00%
for 4 months
Details
6.00%p.a.for 4mo
Rate Breakdown
Base rate2.25%
Bonus rate+3.15%
Total rate
5.40%
Intro rate6.00%for 4mo
Rate by Balance
Up to $500,0005.40%
Up to $2,000,0002.25%
Requirements
💰Balance requirement
Required: $0 - $500,000
🎂Age requirement
Required: 18+ years
📊Balance growth
Required: $100/month above interest
5.90%
for 4 months
Details
5.90%p.a.for 4mo
Rate Breakdown
Base rate3.25%
Bonus rate+0.75%
Total rate
4.00%
Intro rate5.90%for 4mo
Rate by Balance
Up to $250,0004.00%
$250,000.01+3.25%
Requirements
💰Balance requirement
Required: $0 - $250,000
🎂Age requirement
Required: 18+ years
5.85%
for 4 months
Details
5.85%p.a.for 4mo
Rate Breakdown
Base rate0.00%
Bonus rate+5.10%
Total rate
5.10%
Intro rate5.85%for 4mo
Rate by Balance
Up to $1,000,0005.10%
$1,000,000.01+0.00%
Requirements
💰Balance requirement
Required: $0 - $1,000,000
🎂Age requirement
Required: 16+ years
📊Balance growth
Required: $1/month above interest
5.75%
for 4 months
Details
5.75%p.a.for 4mo
Rate Breakdown
Base rate2.10%
Bonus rate+2.90%
Total rate
5.00%
Intro rate5.75%for 4mo
Rate by Balance
Up to $250,000.995.00%
$250,001+2.10%
Requirements
💰Balance requirement
Required: $0 - $250,000.99
🎂Age requirement
Required: 16+ years
5.50%
for 3 months
Details
5.50%p.a.for 3mo
Rate Breakdown
Base rate5.05%
Bonus rate+0.00%
Total rate
5.05%
Intro rate5.50%for 3mo
Rate by Balance
Up to $250,0005.05%
Up to $1,000,0004.35%
Requirements
💰Balance requirement
Required: $0 - $250,000
🎂Age requirement
Required: 18+ years
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✨
No Hoops
5.25%
Details
5.25%p.a.
Rate Breakdown
Base rate5.25%
Bonus rate+0.00%
Total rate
5.25%
Rate by Balance
Up to $50,0005.25%
Up to $250,0004.75%
Up to $5,000,0004.25%
$5,000,000.01+0.00%
Requirements
💰Balance requirement
Required: $0 - $50,000
🎂Age requirement
Required: 15+ years
5.10%
Details
5.10%p.a.
Rate Breakdown
Base rate2.10%
Bonus rate+3.00%
Total rate
5.10%
Rate by Balance
Up to $5,0005.10%
$5,000.01+2.10%
Requirements
💰Balance requirement
Required: $0 - $5,000
🎂Age requirement
Required: 15+ years
5.05%
Ultra plan · $99.99/mo
Details
5.05%p.a.Ultra plan · $99.99/mo
Rate Breakdown
Base rate5.05%
Bonus rate+0.00%
Total rate
5.05%
Intro rate5.50%for 3mo
Rate by Balance
Up to $250,0005.05%
Up to $1,000,0004.35%
Requirements
💰Balance requirement
Required: $0 - $250,000
🎂Age requirement
Required: 18+ years
5.05%
Details
5.05%p.a.
Rate Breakdown
Base rate5.05%
Bonus rate+0.00%
Total rate
5.05%
Requirements
💰Balance requirement
Required: $0 - $3,000,000
🎂Age requirement
Required: 18+ years
5.00%
Details
5.00%p.a.
Rate Breakdown
Base rate2.75%
Bonus rate+2.25%
Total rate
5.00%
Intro rate5.40%for 4mo
Rate by Balance
Up to $500,0005.00%
$500,000.01+2.75%
Requirements
💰Balance requirement
Required: $1 - $500,000
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🎂
Best Age-Based Bonus
5.80%
(14–35 yrs)
Details
5.80%p.a.(14–35)
Rate Breakdown
Base rate0.05%
Bonus rate+5.75%
Total rate
5.80%
Rate by Balance
Up to $50,0005.80%
Up to $250,0003.10%
Up to $5,000,0000.05%
Requirements
💰Balance requirement
Required: $0 - $50,000
🎂Age requirement
Required: 14-35 years
📈Monthly deposits
Required: $1000/month
5.76%
(13+)
Details
5.76%p.a.(13+)
Rate Breakdown
Base rate0.01%
Bonus rate+5.75%
Total rate
5.76%
Rate by Balance
Up to $99,9995.76%
$99,999.01+3.51%
Requirements
💰Balance requirement
Required: $0 - $99,999
🎂Age requirement
Required: 13+ years
🚫Withdrawals
Not allowed
5.75%
(under 25)
Details
5.75%p.a.(under 25)
Rate Breakdown
Base rate0.05%
Bonus rate+5.70%
Total rate
5.75%
Rate by Balance
Up to $49,999.995.75%
Up to $249,999.995.00%
$250,000.01+4.75%
Requirements
💰Balance requirement
Required: $0 - $49,999.99
🎂Age requirement
Required: Up to 24 years
📊Balance growth
Required: Amount varies/month above interest
5.75%
(18–40 yrs)
Details
5.75%p.a.(18–40)
Rate Breakdown
Base rate0.10%
Bonus rate+5.65%
Total rate
5.75%
Rate by Balance
Up to $150,0005.75%
$150,000.01+5.00%
Requirements
💰Balance requirement
Required: $0 - $150,000
🎂Age requirement
Required: 18-40 years
💳Card transactions
Required: 20+/month
📈Monthly deposits
Required: $1/month
📊Balance growth
Required: $1/month above interest
5.65%
(12+)
Details
5.65%p.a.(12+)
Rate Breakdown
Base rate0.10%
Bonus rate+5.55%
Total rate
5.65%
Rate by Balance
Up to $25,0005.65%
$25,000.01+0.10%
Requirements
💰Balance requirement
Required: $0 - $25,000
🎂Age requirement
Required: 12+ years
🚫Withdrawals
Not allowed
Show More
🏦
Best of BIG 4
5.10%
Details
5.10%p.a.
Rate Breakdown
Base rate2.10%
Bonus rate+3.00%
Total rate
5.10%
Rate by Balance
Up to $5,0005.10%
$5,000.01+2.10%
Requirements
💰Balance requirement
Required: $0 - $5,000
🎂Age requirement
Required: 15+ years
5.10%
Details
5.10%p.a.
Rate Breakdown
Base rate0.10%
Bonus rate+5.00%
Total rate
5.10%
Requirements
💰Balance requirement
Required: $0 - $999,999,999
🎂Age requirement
Required: 15+ years
📊Balance growth
Required: $100/month above interest
5.00%
Details
5.00%p.a.
Rate Breakdown
Base rate0.01%
Bonus rate+4.99%
Total rate
5.00%
Requirements
💰Balance requirement
Required: $0 - $1,000,000
📈Monthly deposits
Required: $1/month
🚫Withdrawals
Not allowed
5.00%
Details
5.00%p.a.
Rate Breakdown
Base rate0.10%
Bonus rate+4.90%
Total rate
5.00%
Requirements
💰Balance requirement
Required: $0 - $999,999,999
🎂Age requirement
Required: 18+ years
📈Monthly deposits
Required: $1/month
📊Balance growth
Required: $1/month above interest
3.75%
Details
3.75%p.a.
Rate Breakdown
Base rate0.01%
Bonus rate+3.74%
Total rate
3.75%
Requirements
💰Balance requirement
Required: $0 - $250,000
🎂Age requirement
Required: 12+ years
📈Monthly deposits
Required: $10/month
🚫Withdrawals
Not allowed
Show More
💎
Best for High Balance ($100k+)
5.50%
(up to $100k)
Details
5.50%p.a.(up to $100k)
Rate Breakdown
Base rate0.01%
Bonus rate+5.49%
Total rate
5.50%
Requirements
💰Balance requirement
Required: $0 - $100,000
🎂Age requirement
Required: 18+ years
💳Card transactions
Required: 5+/month
📈Monthly deposits
Required: $1000/month
📊Balance growth
Required: $1/month above interest
5.40%
(up to $250k)
Details
5.40%p.a.(up to $250k)
Rate Breakdown
Base rate0.65%
Bonus rate+4.75%
Total rate
5.40%
Rate by Balance
Up to $250,0005.40%
$250,000.01+3.75%
Requirements
💰Balance requirement
Required: $0 - $250,000
🎂Age requirement
Required: 18+ years
📊Balance growth
Required: $200/month above interest
5.40%
(up to $500k)
Details
5.40%p.a.(up to $500k)
Rate Breakdown
Base rate2.25%
Bonus rate+3.15%
Total rate
5.40%
Intro rate6.00%for 4mo
Rate by Balance
Up to $500,0005.40%
Up to $2,000,0002.25%
Requirements
💰Balance requirement
Required: $0 - $500,000
🎂Age requirement
Required: 18+ years
📊Balance growth
Required: $100/month above interest
5.35%
(up to $1m)
Details
5.35%p.a.(up to $1m)
Rate Breakdown
Base rate0.05%
Bonus rate+5.30%
Total rate
5.35%
Rate by Balance
Up to $1,000,0005.35%
$1,000,000.01+0.05%
Requirements
💰Balance requirement
Required: $0 - $1,000,000
📈Monthly deposits
Required: $2000/month
5.35%
(up to $250k)
Details
5.35%p.a.(up to $250k)
Rate Breakdown
Base rate0.10%
Bonus rate+5.25%
Total rate
5.35%
Rate by Balance
Up to $250,0005.35%
$250,000.01+0.10%
Requirements
💰Balance requirement
Required: $0 - $250,000
🎂Age requirement
Required: 12+ years
🚫Withdrawals
Not allowed
Show More
These rankings rate every savings accounts on one figure. Answer a few questions to see the ones that fit you →
As of 19 September 2026, the highest total savings rate tracked by BankMate is 5.80% p.a. from BOQ (Future Saver Account), including bonus interest, for customers aged 14 to 35. How we rank →