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Best Australian savings accounts — 2026

Editorial Top-10 of Australian savings accounts by Norg Reviews. Methodology-weighted across rate competitiveness, fees, app quality, customer service and security.

Methodology: AussieBanks Review — Savings Methodology · v1.0.0 · last updated

  1. 1

    ANZ Plus Save

    Best for: Best for major-bank loyalists

    Top of the major-bank cohort for advertised rate with an app experience that rivals digital-only challengers.

    • 5.25% bonus
    • $0/mo fee
    • AFSL 234527
    • 5.25% bonus rate
    • $0 monthly fee
    • AFSL 234527
    4.7
  2. 2

    ING Savings Maximiser

    Best for: Best for high-balance savers

    Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.

    • 5.40% bonus
    • $0/mo fee
    • AFSL 229823
    • 5.40% bonus rate
    • $0 monthly fee
    • No physical branches
    4.6
  3. 3

    Macquarie Savings Account

    Best for: Best for low-effort saving

    Unconditional bonus rate — no monthly hoops — at a slight premium to peers with conditions.

    • 5.00% bonus
    • $0/mo fee
    • AFSL 237502
    • 5.00% bonus, no conditions
    • $0 monthly fee
    • 4-month intro
    4.5
  4. 4

    ubank Save

    Best for: Best for digital-first with major-bank security

    NAB-backed digital with a competitive bonus rate and an easier deposit condition than peers.

    • 5.10% bonus
    • $0/mo fee
    • AFSL 230686
    • 5.10% bonus rate
    • $200 monthly deposit
    • NAB-backed
    4.4
  5. 5

    Up Saver

    Best for: Best for goal-driven savers

    Best-in-class goal-based saving UX. Bendigo backing gives full FCS protection.

    • 5.00% bonus
    • $0/mo fee
    • AFSL 237879
    • 5.00% bonus rate
    • $0 monthly fee
    • Bendigo-backed
    4.0
  6. 6

    AMP Saver

    Best for: Best for set-and-forget

    Mid-pack rate with no monthly conditions — a sensible default for hands-off savers.

    • 4.80% bonus
    • $0/mo fee
    • AFSL 234517
    • 4.80% rate
    • $0 monthly fee
    • No conditions
    4.2
  7. 7

    CommBank GoalSaver

    Best for: Best for existing CommBank customers

    Big-Four reach with competitive rate but stricter bonus conditions than ANZ Plus.

    • 4.65% bonus
    • $0/mo fee
    • AFSL 234945
    • 4.65% bonus rate
    • $0 fee
    • Largest branch network
    4.1
  8. 8

    Westpac Life

    Best for: Best for existing Westpac customers

    Mature offering with solid app, but bonus rate conditions are stricter than category leaders.

    • 4.50% bonus
    • $0/mo fee
    • AFSL 233714
    • 4.50% bonus rate
    • $0 fee
    • Oldest Aus bank
    4.0
  9. 9

    NAB Reward Saver

    Best for: Best for existing NAB customers

    Solid Big-Four product but headline rate now trails ANZ Plus, CommBank, and Westpac on the same conditions.

    • 4.35% bonus
    • $0/mo fee
    • AFSL 230686
    • 4.35% bonus rate
    • $0 fee
    • No withdrawal in month
    3.9
  10. 10

    BoQ Smart Saver

    Best for: Best for Queensland regional customers

    Regional Queensland challenger with a competitive but no-longer-leading rate. Owner-managed branches differentiate.

    • 4.15% bonus
    • $0/mo fee
    • AFSL 244616
    • 4.15% bonus rate
    • $0 fee
    • Owner-managed branches
    3.7

How we ranked these

Scores reproducible from public methodology + sourced facts. Editorial independent. Affiliate revenue does not influence rankings. Reviews without genuine cons are rejected at editorial QA.