🔥
Overall Best Rate
All savings accounts ranked by their total interest rate (base + bonus)
🔥
Overall Best Rate
#1
5.80%
Details+
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
$0 - $50,000
💳Card transactions
Not required
📈Monthly deposits
$1000/month
🎂Age requirement
Required: 14-35 years
#2
5.75%
Details+
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
$0 - $49,999.99
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: Up to 24 years
#3
5.75%
Details+
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
$0 - $150,000
💳Card transactions
20+/month
📈Monthly deposits
$1/month
📊Balance growth
Required: $1/month above interest
🎂Age requirement
Required: 18-40 years
#4
5.65%
Details+
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
$0 - $25,000
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: 12+ years
🚫Withdrawals
Not allowed
#5
5.55%
Details+
Rate Breakdown
Base rate0.05%
Bonus rate+5.50%
Total rate
5.55%
Rate by Balance
Up to $10,0005.55%
$10,000.01+0.60%
Requirements
📊Balance requirement
$0 - $10,000
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: Up to 17 years
#6
5.50%
Details+
Rate Breakdown
Base rate1.00%
Bonus rate+4.50%
Total rate
5.50%
Rate by Balance
Up to $4,999.995.50%
$5,000+1.00%
Requirements
📊Balance requirement
$0 - $4,999.99
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: Up to 17 years
#7
5.50%
Details+
Rate Breakdown
Base rate0.01%
Bonus rate+5.49%
Total rate
5.50%
Requirements
📊Balance requirement
$0 - $100,000
💳Card transactions
5+/month
📈Monthly deposits
$1000/month
📊Balance growth
Required: $1/month above interest
🎂Age requirement
Required: 18+ years
#8
5.40%
Details+
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
$0 - $250,000
💳Card transactions
Not required
📈Monthly deposits
Not required
📊Balance growth
Required: $200/month above interest
🎂Age requirement
Required: 18+ years
#9
5.40%
Details+
Rate Breakdown
Base rate2.25%
Bonus rate+3.15%
Total rate
5.40%
Rate by Balance
Up to $500,0005.40%
Up to $2,000,0002.25%
Requirements
📊Balance requirement
$0 - $500,000
💳Card transactions
Not required
📈Monthly deposits
Not required
📊Balance growth
Required: $100/month above interest
🎂Age requirement
Required: 18+ years
#10
5.40%
Details+
Rate Breakdown
Base rate0.05%
Bonus rate+5.35%
Total rate
5.40%
Rate by Balance
Up to $250,0005.40%
Up to $5,000,0000.05%
Requirements
📊Balance requirement
$0 - $250,000
💳Card transactions
5+/month
📈Monthly deposits
$1000/month
🎂Age requirement
Required: 36+ years
#11
5.35%
Details+
Rate Breakdown
Base rate0.50%
Bonus rate+4.85%
Total rate
5.35%
Rate by Balance
Up to $50,0005.35%
$50,000.01+0.50%
Requirements
📊Balance requirement
$0 - $50,000
💳Card transactions
Not required
📈Monthly deposits
$500/month
🎂Age requirement
Required: 18-24 years
#12
5.35%
Details+
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
$0 - $1,000,000
💳Card transactions
Not required
📈Monthly deposits
$2000/month
#13
5.35%
Details+
Rate Breakdown
Base rate0.05%
Bonus rate+5.30%
Total rate
5.35%
Rate by Balance
Up to $250,0005.35%
Up to $2,000,0004.85%
$2,000,000.01+0.05%
Requirements
📊Balance requirement
$0 - $250,000
💳Card transactions
Not required
📈Monthly deposits
$300/month
🎂Age requirement
Required: 18+ years
#14
5.35%
Details+
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
$0 - $250,000
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: 12+ years
🚫Withdrawals
Not allowed
#15
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%
Requirements
📊Balance requirement
$0 - $250,000
💳Card transactions
5+/month
📈Monthly deposits
Not required
🎂Age requirement
Required: 16+ years
🚫Withdrawals
Not allowed
#16
5.26%
Details+
Rate Breakdown
Base rate0.01%
Bonus rate+5.25%
Total rate
5.26%
Rate by Balance
Up to $99,9995.26%
$99,999.01+3.01%
Requirements
📊Balance requirement
$0 - $99,999
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: 13+ years
🚫Withdrawals
Not allowed
#17
5.25%
Details+
Rate Breakdown
Base rate0.20%
Bonus rate+5.05%
Total rate
5.25%
Requirements
📊Balance requirement
$0 - $999,999,999
💳Card transactions
5+/month
📈Monthly deposits
$500/month
🎂Age requirement
Required: 18+ years
#18
5.25%
Details+
Rate Breakdown
Base rate0.20%
Bonus rate+5.05%
Total rate
5.25%
Requirements
📊Balance requirement
$0 - $999,999,999
💳Card transactions
5+/month
📈Monthly deposits
$500/month
🎂Age requirement
Required: 18+ years
#19
5.25%
Details+
Rate Breakdown
Base rate2.25%
Bonus rate+3.00%
Total rate
5.25%
Requirements
📊Balance requirement
$0 - $250,000
💳Card transactions
Not required
📈Monthly deposits
$10/month
🎂Age requirement
Required: 13-17 years
🚫Withdrawals
Not allowed
#20
5.25%
Details+
Rate Breakdown
Base rate5.25%
Bonus rate+0.00%
Total rate
5.25%
Requirements
📊Balance requirement
$0 - $10,000
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: 18-29 years
#21
5.25%
Details+
Rate Breakdown
Base rate0.50%
Bonus rate+4.75%
Total rate
5.25%
Rate by Balance
Up to $100,0005.25%
$100,000.01+0.50%
Requirements
📊Balance requirement
$0 - $100,000
💳Card transactions
5+/month
📈Monthly deposits
$2000/month
🎂Age requirement
Required: 18+ years
#22
5.25%
Details+
Rate Breakdown
Base rate2.25%
Bonus rate+3.00%
Total rate
5.25%
Requirements
📊Balance requirement
$0 - $250,000
💳Card transactions
Not required
📈Monthly deposits
$2/month
🎂Age requirement
Required: Up to 12 years
🚫Withdrawals
Not allowed
#23
5.25%
Details+
Rate Breakdown
Base rate5.25%
Bonus rate+0.00%
Total rate
5.25%
Requirements
📊Balance requirement
$0 - $999,999,999
💳Card transactions
Not required
📈Monthly deposits
Not required
📊Balance growth
Required: $1/month above interest
🎂Age requirement
Required: Up to 25 years
#24
5.25%
Details+
Rate Breakdown
Base rate4.25%
Bonus rate+1.00%
Total rate
5.25%
Rate by Balance
Up to $50,0005.25%
$50,000.01+4.25%
Requirements
📊Balance requirement
$0 - $50,000
💳Card transactions
Not required
📈Monthly deposits
Not required
📊Balance growth
Required: $1/month above interest
🎂Age requirement
Required: Up to 29 years
#25
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
💳Card transactions
Not required
📈Monthly deposits
Not required
🎂Age requirement
Required: 15+ years
These rankings rate every savings accounts on one figure. Answer a few questions to see the ones that fit you →
As of 17 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 →