Up, a brand of Bendigo and Adelaide Bank Limited · Online bank
Up's best ongoing savings rate is 5.60% p.a. on Up Saver, in months when you meet its bonus conditions.
Verified 4 Nov 2026
Up Saver, in months you meet the bonus conditions
Financial Claims Scheme, shared with Bendigo Bank
Type any amount and pick an account. Estimates are before tax and assume the rate stays the same.
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Account
Assumes you meet the bonus conditions every month.
Interest over 12 months
$1,436
5.60% p.a. in every month you meet the bonus conditions. A month that misses them earns 0.00% p.a.
That is $109 less than the highest savings rate in Australia would pay on the same amount.
Every rate is variable. Bonus rates show as the total you earn, with the base and bonus parts underneath.
Bonus savings account
16 or older
5.60%p.a.
0.00% base + 5.60% bonus
To earn the bonus each month
Savings account, no monthly conditions
16 or older
2.00%p.a.
No monthly conditions
Up’s Essentials account lets you save and pay for your upcoming bills while earning up to 2.00% p.a.
Every bank we track in Australia, ranked by its best ongoing savings rate, with its 12-month term deposit. Verified 4 Nov 2026.
| # | Bank | Top savings rate | 12-month term deposit |
|---|---|---|---|
| 1 |  RACQ Bank | 6.01% p.a.Bonus Saver Account, monthly conditions | 5.35% p.a.Term Deposit |
| 2 |  MoveBank | 5.75% p.a.Growth Saver, monthly conditions | 5.35% p.a.Term Deposit |
| 3 |  ING | 5.75% p.a.Savings Maximiser, monthly conditions | 5.30% p.a.Personal Term Deposits |
| 4 |  Rabobank | 5.65% p.a.PremiumSaver, monthly conditions | 5.25% p.a.Online Term Deposit |
| 5 |  Judo Bank | 5.60% p.a.Personal Savings Account, monthly conditions | 5.45% p.a.Personal Term Deposits |
| 6 |  QBANK | 5.60% p.a.Intro Saver | 5.05% p.a.Term Deposit |
| 7 | Up | 5.60% p.a.Up Saver, monthly conditions | Not published |
| 8 |  People First Bank | 5.55% p.a.Dream Fund, monthly conditions | 5.20% p.a.Term Deposit |
| 9 |  AMP Bank | 5.50% p.a.AMP Bank GO Save | 5.55% p.a.AMP Bank GO Term Deposit |
| 10 |  BCU Bank | 5.50% p.a.Boss Saver, monthly conditions | 5.30% p.a.Term Deposit |
| 11 |  P&N Bank | 5.50% p.a.Savvy Saver Account, monthly conditions | 5.30% p.a.Term Deposit |
| 12 |  Great Southern Bank | 5.50% p.a.Home Saver, monthly conditions | 5.10% p.a.Platinum Plus Term Deposit |
| 13 |  Bank of Melbourne | 5.40% p.a.Incentive Saver, monthly conditions | 4.75% p.a.Term Deposit |
| 14 |  BankSA | 5.40% p.a.Incentive Saver, monthly conditions | 4.75% p.a.Term Deposit |
| 15 |  St.George | 5.40% p.a.Incentive Saver, monthly conditions | 4.75% p.a.Term Deposit |
| 16 |  Bank Australia | 5.35% p.a.Bonus Saver, monthly conditions | 5.60% p.a.Term Deposit |
| 17 |  Suncorp Bank | 5.35% p.a.Growth Saver Account, monthly conditions | 5.40% p.a.Term Deposit |
| 18 |  Australian Mutual Bank | 5.35% p.a.Momentum Saver account, monthly conditions | 5.35% p.a.Term Deposit |
| 19 |  Firefighters Mutual Bank | 5.35% p.a.Momentum Saver, monthly conditions | 5.35% p.a.Term Deposit |
| 20 |  Health Professionals Bank | 5.35% p.a.Momentum Saver, monthly conditions | 5.35% p.a.Term Deposit |
| 21 |  Teachers Mutual Bank | 5.35% p.a.Momentum Saver, monthly conditions | 5.35% p.a.Term Deposit |
| 22 |  UniBank | 5.35% p.a.Momentum Saver, monthly conditions | 5.35% p.a.Term Deposit |
| 23 |  ANZ | 5.35% p.a.ANZ Plus Growth Saver, monthly conditions | 5.30% p.a.ANZ Advance Notice Term Deposit |
| 24 |  Bankwest | 5.35% p.a.Hero Saver, monthly conditions | 5.30% p.a.Bankwest Term Deposit |
| 25 |  Police Credit Union | 5.35% p.a.Focus Saver Account, monthly conditions | 4.00% p.a.Term Deposit |
| 26 |  ubank | 5.35% p.a.Save account, monthly conditions | Not published |
| 27 |  Bank First | 5.30% p.a.First Home Bonus Saver Account, monthly conditions | 5.50% p.a.Term Deposit |
| 28 |  Hume Bank | 5.30% p.a.Reward Saver, monthly conditions | 5.40% p.a.Term Deposit |
| 29 |  Bank of us | 5.30% p.a.Save up, monthly conditions | 5.30% p.a.Fixed Term Investment |
| 30 |  Defence Bank | 5.30% p.a.Max E Saver, monthly conditions | 5.30% p.a.Term Deposit |
| 31 |  Easy Street | 5.30% p.a.Flex Saver | Not published |
| 32 |  Virgin Money | 5.30% p.a.Virgin Money Boost Saver, monthly conditions | Not published |
| 33 |  Dnister Bank | 5.25% p.a.Max Saver, monthly conditions | 5.55% p.a.Term Deposit |
| 34 |  Macquarie | 5.25% p.a.Macquarie Savings Account | 5.40% p.a.Macquarie Term Deposit |
| 35 |  Bank of Sydney | 5.25% p.a.BOS Saver | 5.30% p.a.Term Deposit |
| 36 |  CommBank | 5.25% p.a.GoalSaver, monthly conditions | 5.30% p.a.Standard Term Deposit |
| 37 |  NAB | 5.25% p.a.NAB Reward Saver, monthly conditions | 5.30% p.a.NAB Term Deposit |
| 38 |  Westpac | 5.25% p.a.Westpac Life, monthly conditions | 5.30% p.a.Term Deposit |
| 39 |  MyState Bank | 5.25% p.a.Bonus Saver, monthly conditions | 5.25% p.a.Regular Term Deposit |
| 40 |  Regional Australia Bank | 5.25% p.a.Savings Booster Account, monthly conditions | 5.25% p.a.Term Savings |
| 41 |  bankWAW | 5.20% p.a.WAW Bonus Saver, monthly conditions | 5.35% p.a.Limited Offer Term Deposit |
| 42 |  Southern Cross Credit Union | 5.20% p.a.Star Saver, monthly conditions | 5.30% p.a.Term Deposit |
| 43 |  Australian Military Bank | 5.10% p.a.Online Saver, monthly conditions | 5.40% p.a.Teen Plus Term Deposit |
| 44 |  BOQ | 5.00% p.a.Simple Saver Account | 5.40% p.a.myBOQ Term Deposit |
| 45 | NPNewcastle Permanent | 5.00% p.a.Smart Saver Account, monthly conditions | 5.40% p.a.Term Deposit |
| 46 |  The Capricornian | 5.00% p.a.Bonus Saver Account, monthly conditions | 5.20% p.a.Term Deposit |
| 47 |  Bendigo Bank | 5.00% p.a.Bendigo Reward Saver, monthly conditions | 4.90% p.a.Standard Term Deposit |
| 48 |  Beyond Bank | 4.90% p.a.Purple Bonus Saver, monthly conditions | 4.90% p.a.Term Deposit |
| 49 |  Woolworths Team Bank | 4.90% p.a.Bonus Saver Account, monthly conditions | 4.00% p.a.Term Deposit |
| 50 |  Unity Bank | 4.85% p.a.Bonus Saver Account, monthly conditions | 5.50% p.a.Term Deposit |
| 51 |  Goulburn Murray Credit Union | 4.80% p.a.Advantage Saver, monthly conditions | 5.15% p.a.Fixed Term Deposit |
| 52 |  Border Bank | 4.80% p.a.Bonus Saver Account, monthly conditions | 5.00% p.a.Term Deposit |
| 53 |  Police Bank | 4.80% p.a.Bonus Saver Account, monthly conditions | 5.00% p.a.Term Deposit |
| 54 |  Summerland Bank | 4.75% p.a.Bonus Saver, monthly conditions | 5.25% p.a.Fixed Term Deposit |
| 55 |  Community First Bank | 4.60% p.a.Goal Saver, monthly conditions | 5.60% p.a.Term Deposit Special |
| 56 |  Gateway Bank | 4.60% p.a.Goal Saver, monthly conditions | 5.55% p.a.Term Deposit |
| 57 |  ME Bank | 4.60% p.a.SaveME, monthly conditions | 5.50% p.a.ME Go Term Deposit |
| 58 |  Bank Orange | 4.60% p.a.Online Saver | 5.35% p.a.Fixed Term Deposit Wealth Builder |
| 59 |  Heartland Bank | 4.55% p.a.MySavings account | 5.55% p.a.Term Deposit |
| 60 |  Queensland Country Bank | 4.55% p.a.Bonus Saver, monthly conditions | 5.30% p.a.Fixed Term Deposit |
| 61 |  BNK Bank | 4.50% p.a.Cash Management Account | 5.40% p.a.Stow It Term Deposit Account |
| 62 |  Alex Bank | 4.50% p.a.Savings | 5.30% p.a.Term Deposit - Direct |
| 63 |  Greater Bank | 4.25% p.a.Bonus Saver | 5.40% p.a.Term Investment |
| 64 |  The Mutual Bank | 4.25% p.a.Bonus Saver, monthly conditions | 5.30% p.a.Term Deposit |
| 65 |  HSBC | 4.25% p.a.Bonus Savings Account, monthly conditions | 2.90% p.a.Term Deposit |
| 66 |  Laboratories Credit Union | 4.01% p.a.Savvy Saver, monthly conditions | 4.60% p.a.Fixed Term Deposit |
| 67 |  Northern Inland Credit Union | 4.00% p.a.Bonus Saver, monthly conditions | 4.90% p.a.Term Deposit |
| 68 |  Credit Union SA | 3.75% p.a.Bonus Savings Account, monthly conditions | 5.30% p.a.Term Deposit |
| 69 |  Auswide Bank | 3.56% p.a.Bonus Plus Saver, monthly conditions | 5.25% p.a.National Seniors Term Deposit |
| 70 |  First Option Bank | 3.55% p.a.Save Account | 5.50% p.a.Fixed Term Deposit |
| 71 |  BOQ Specialist | 3.50% p.a.Private Access Account | 5.35% p.a.Term Deposit |
| 72 |  Fire Service Credit Union | 3.50% p.a.High Interest | 4.50% p.a.Fixed Term Deposit |
| 73 |  IMB Bank | 3.45% p.a.Reward Saver Account, monthly conditions | 5.30% p.a.Term Deposit |
| 74 |  Horizon Bank | 3.25% p.a.Horizon Direct | 5.10% p.a.Term Deposit |
| 75 |  Darling Downs Bank | 3.15% p.a.Cash Manager Online | 5.40% p.a.Fixed Term Deposits |
| 76 |  Cairns Bank | 3.00% p.a.Online Saver account | 5.25% p.a.Term Deposit |
| 77 |  Coastline Bank | 3.00% p.a.Coastline Savings Account | 5.05% p.a.Gold Member Fixed Term Deposit |
| 78 |  Arab Bank Australia | 3.00% p.a.Personal Online Savings Account | 3.40% p.a.Fixed Term Deposit - Personal |
| 79 |  Revolut | 3.00% p.a.Revolut Instant Access Savings | Not published |
| 80 |  Geelong Bank | 2.96% p.a.iSaver, monthly conditions | 5.40% p.a.Term Deposit |
| 81 |  Transport Mutual Credit Union | 2.25% p.a.Premium Savers Account | 3.25% p.a.Term Deposit |
| 82 |  The Mac | 2.00% p.a.eSaver | 5.20% p.a.Mini Mac Term Deposit |
| 83 |  SWSbank | 2.00% p.a.Online Saver | 5.00% p.a.Term Deposit |
| 84 |  Broken Hill Bank | 1.70% p.a.eCall Savings Account | 5.00% p.a.Fixed Term Deposit |
The Australian Government's Financial Claims Scheme covers deposits at Up up to $250,000 per account holder. Bendigo Bank is part of the same bank, so money at both counts toward that one limit.
Up savers will soon be able to report whether their bonus rate paid out each month, and ask other savers questions.
RACQ BankSavings 6.01% p.a.12-month 5.35% p.a.INGSavings 5.75% p.a.12-month 5.30% p.a.MoveBankSavings 5.75% p.a.12-month 5.35% p.a.RabobankSavings 5.65% p.a.12-month 5.25% p.a.Judo BankSavings 5.60% p.a.12-month 5.45% p.a.QBANKSavings 5.60% p.a.12-month 5.05% p.a.
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