✨
No Hoops
Best rates with no card spending, deposits, or balance growth requirements
✨
No Hoops
#1
5.25%
Details+
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
$0 - $50,000
🎂Age requirement
Ages 15+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#2
5.10%
Details+
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
$0 - $5,000
🎂Age requirement
Ages 15+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#3
5.05%
Details+
Rate Breakdown
Base rate5.05%
Bonus rate+0.00%
Total rate
5.05%
Requirements
📊Balance requirement
$0 - $3,000,000
🎂Age requirement
Ages 18+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#4
5.00%
Details+
Rate Breakdown
Base rate2.75%
Bonus rate+2.25%
Total rate
5.00%
Rate by Balance
Up to $2,000,0005.00%
$2,000,000.01+2.75%
Requirements
📊Balance requirement
$0 - $250,000
🎂Age requirement
Ages 12+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#5
5.00%
Details+
Rate Breakdown
Base rate2.10%
Bonus rate+2.90%
Total rate
5.00%
Rate by Balance
Up to $250,000.995.00%
$250,001+2.10%
Requirements
📊Balance requirement
$0 - $250,000.99
🎂Age requirement
Ages 16+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#6
5.00%
Details+
Rate Breakdown
Base rate2.75%
Bonus rate+2.25%
Total rate
5.00%
Rate by Balance
Up to $500,0005.00%
$500,000.01+2.75%
Requirements
📊Balance requirement
$1 - $500,000
🎂Age requirement
No age restrictions
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#7
4.80%
Details+
Rate Breakdown
Base rate2.70%
Bonus rate+2.10%
Total rate
4.80%
Rate by Balance
Up to $2,000,0004.80%
Up to $5,000,0002.70%
Requirements
📊Balance requirement
$0 - $250,000
🎂Age requirement
Ages 18+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#8
4.80%
Details+
Rate Breakdown
Base rate0.05%
Bonus rate+4.75%
Total rate
4.80%
Rate by Balance
Up to $5,000,0004.80%
$5,000,000.01+0.05%
Requirements
📊Balance requirement
$1 - $5,000,000
🎂Age requirement
Ages 14+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#9
4.75%
Details+
Rate Breakdown
Base rate4.75%
Bonus rate+0.00%
Total rate
4.75%
Requirements
📊Balance requirement
$0 - $999,999,999
🎂Age requirement
Ages 18+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#10
4.70%
Details+
Rate Breakdown
Base rate4.70%
Bonus rate+0.00%
Total rate
4.70%
Requirements
📊Balance requirement
$0 - $5,000,000
🎂Age requirement
Ages 12+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#11
4.55%
Details+
Rate Breakdown
Base rate1.50%
Bonus rate+3.05%
Total rate
4.55%
Rate by Balance
Up to $2,000,0004.55%
$2,000,000.01+1.50%
Requirements
📊Balance requirement
$0 - $300,000
🎂Age requirement
Ages 14+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#12
Rate Breakdown
Base rate4.50%
Bonus rate+0.00%
Total rate
4.50%
Requirements
📊Balance requirement
$0 - $250,000
🎂Age requirement
Ages 18+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#13
4.50%
Details+
Rate Breakdown
Base rate4.50%
Bonus rate+0.00%
Total rate
4.50%
Requirements
📊Balance requirement
$0 - $250,000
🎂Age requirement
No age restrictions
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#14
4.00%
Details+
Rate Breakdown
Base rate3.25%
Bonus rate+0.75%
Total rate
4.00%
Rate by Balance
Up to $250,0004.00%
$250,000.01+3.25%
Requirements
📊Balance requirement
$0 - $250,000
🎂Age requirement
Ages 18+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#15
3.25%
Details+
Rate Breakdown
Base rate3.25%
Bonus rate+0.00%
Total rate
3.25%
Requirements
📊Balance requirement
$0 - $250,000
🎂Age requirement
No age restrictions
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#16
3.00%
Details+
Rate Breakdown
Base rate3.00%
Bonus rate+0.00%
Total rate
3.00%
Rate by Balance
Up to $1,9993.00%
Up to $2,9993.00%
Up to $4,9993.00%
Up to $9,9993.00%
Up to $19,9993.00%
Up to $49,9993.00%
Requirements
📊Balance requirement
$0 - $1,999
🎂Age requirement
No age restrictions
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
#17
2.10%
Details+
Rate Breakdown
Base rate2.10%
Bonus rate+0.00%
Total rate
2.10%
Requirements
📊Balance requirement
$0 - $999,999,999
🎂Age requirement
Ages 14+
💳Card transactions
Not required
📤Monthly deposits
Not required
📤Withdrawals
Allowed
These rankings rate every savings accounts on one figure. Answer a few questions to see the ones that fit you →
As of 16 September 2026, the highest savings rate with no monthly conditions tracked by BankMate is 5.25% p.a. from AMP GO (AMP Bank GO Save). How we rank →