Savings leaderboard10 accounts1 November 2026

The highest savings rates at the big four banks.

Rank by

First5.35%p.a.
ANZ Plus Flex Saver ANZ PlusNo monthly conditions · Paid up to $5kGo to site
Second5.35%p.a.
ANZ Plus Growth Saver ANZ PlusBalance must growGo to site
Third5.25%p.a.
NAB Reward Saver NAB$1 deposit a month · No withdrawalsGo to site

Ranked by total interest rate, highest first, among accounts from Commonwealth Bank, Westpac, ANZ (including ANZ Plus) and NAB. Leaves out every bank outside the big four. Accounts restricted to under-18s or to a narrow age band, so the list reflects what a typical adult can open. Compares 5 banks, not the whole market.

The other 7 accounts

Ranked by total interest rate, highest first, among accounts from Commonwealth Bank, Westpac, ANZ (including ANZ Plus) and NAB.

4Places moved since 2 October0.25Rate changed in the last 30 days0.25Earlier change

#	Account	Big four banks	Links
4	GoalSaver Commonwealth Bank$1 deposit a month · Balance must grow	5.25%p.a.0.10 below first ranked	Go to site

5	Westpac Life$1 deposit a month · Balance must grow	5.25%p.a.0.10 below first ranked	Go to site

6	ANZ Progress Saver$10 deposit a month · No withdrawals	4.00%p.a.1.35 below first ranked	Go to site

7	NetBank Saver Commonwealth BankNo monthly conditions	2.30%p.a.3.05 below first ranked	Go to site

8	NAB iSaverNo monthly conditions	1.85%p.a.3.50 below first ranked	Go to site

9	ANZ Online SaverNo monthly conditions	1.60%p.a.3.75 below first ranked	Go to site

10	Westpac eSaverNo monthly conditions	1.25%p.a.4.10 below first ranked	Go to site

4
GoalSaver Commonwealth Bank5.25%p.a.0.10 below first ranked$1 deposit a month · Balance must grow
5
Westpac Life5.25%p.a.0.10 below first ranked$1 deposit a month · Balance must grow
6
ANZ Progress Saver4.00%p.a.1.35 below first ranked$10 deposit a month · No withdrawals
7
NetBank Saver Commonwealth Bank2.30%p.a.3.05 below first rankedNo monthly conditions
8
NAB iSaver1.85%p.a.3.50 below first rankedNo monthly conditions
9
ANZ Online Saver1.60%p.a.3.75 below first rankedNo monthly conditions
10
Westpac eSaver1.25%p.a.4.10 below first rankedNo monthly conditions

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.

Start 7 quick questions · 2 min

Or see every one at once

Every account in one list with every figure. Sort and filter it yourself.

Compare all 151 accounts

As of 1 November 2026, the highest savings rate among Commonwealth Bank, Westpac, ANZ and NAB tracked by BankMate is 5.35% p.a. from ANZ Plus (ANZ Plus Flex Saver). How we rank