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Online offer for new customers

5.25 % P.A.

Total variable rate with online offer

Earn up to 5.25% p.a. with a variable base rate of 1.85% p.a., a variable bonus* rate of 3.30% p.a., and an extra 0.10% p.a. to your variable bonus rate for the first 3 months when you open online. New customers only on balances remaining below $250,000. After 3 months the total variable rate will apply.

*Grow your account balance by at least $50 a month (for customers 21 or over) or $0.01 a month (for customers under 21), excluding interest paid, ensuring your account balance remains between $0 - $249,999.99.

Online bonus offer available for a limited time only. Excludes joint accounts. Offer may be varied or withdrawn at any time.

Open now

Set a goal and stay on track with bonus interest

Bonus interest*
Enjoy a variable savings rate of up to 5.15% p.a.* when you grow your account balance by $50 each month* and your account balance does not fall below $0.  
Personalise your account
Saving for something special? Name your account to suit your goal
Strong base rate
Earn a competitive base rate even when you don’t grow your balance

Go online for an extra 0.10% added to your variable bonus rate 

An additional 0.10% p.a. online bonus rate will be added to your variable bonus rate for the first 3 months when you open the account online. Offer available from 17/11/2023 for a limited time only. New Incentive Saver customers only.

Under 18? Get a $30 kickstart

With an Incentive Saver savings account and a Complete Freedom transaction account

Get one of each account, opening at least one new account in the process, then deposit $100 into your savings account within 30 days of opening your new account(s), and we'll give you $30. 

T&Cs apply.

Fees and charges

  • $0.00 Account-Keeping Fee
  • $0.00 Staff assisted (branch and telephone)


Automatic transfers
Help yourself get the total reward rate by setting up a monthly deposit in online banking.
Uncapped saving
Interest is calculated on the total balance of your Incentive Saver with no limit on deposit amounts.
Government guarantee
The Financial Claims Scheme guarantees deposits to a cap of $250,000 per account-holder.
Quick Balance
Know exactly how much money you have on hand, at a glance at your smartphone or watch.

In detail

Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.

How to open an account

Read both the terms and conditions, and fees above
Give yourself a few minutes
Have your contact details handy
Have your Tax File Number (TFN) ready