Australian Unity savings and bank accounts

Here's a list of Australian Unity savings, transaction and term deposit accounts as well as details on the different ways to do your banking.

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Australian Unity

Australian Unity savings, transaction and term deposit accounts

Name Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Australian Unity Freedom Saver ($50,001 - $250,000)
Australian Unity logo
Maximum Variable Rate p.a.
5.10%
Standard Variable Rate p.a.
5.10%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances of $50,001 and $250,000
Australian Unity Freedom Saver ($250,001 - $500,000)
Australian Unity logo
Maximum Variable Rate p.a.
4.25%
Standard Variable Rate p.a.
4.25%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances of $250,001 and $500,000
Australian Unity Freedom Saver (Up to $50,000)
Australian Unity logo
Maximum Variable Rate p.a.
5.10%
Standard Variable Rate p.a.
5.10%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $50,000
Australian Unity Easy Saver Plus
Australian Unity logo
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
4.10%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • N/A
Australian Unity Active Saver
Australian Unity logo
Maximum Variable Rate p.a.
4.75%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $250
  • No withdrawals
Australian Unity Kids Saver
Australian Unity logo
Maximum Variable Rate p.a.
2.75%
Standard Variable Rate p.a.
1.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $5
  • No withdrawals
Australian Unity SMSF Cash Management Account
Australian Unity logo
Maximum Variable Rate p.a.
2.60%
Standard Variable Rate p.a.
2.60%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • N/A
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Showing 7 of 7 results
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
Australian Unity Healthy Banking Everyday Account
Australian Unity logo
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
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Showing 1 of 1 results
Name 3 Mths p.a. 4 Mths p.a. 5 Mths p.a. 6 Mths p.a. 7 Mths p.a. 11 Mths p.a. 12 Mths p.a. 24 Mths p.a.
Australian Unity Term Deposit
Australian Unity logo
$5,000 min. deposit
3 Mths p.a.
4.65%
4 Mths p.a.
1.15%
5 Mths p.a.
1.15%
6 Mths p.a.
4.70%
7 Mths p.a.
1.50%
11 Mths p.a.
1.75%
12 Mths p.a.
4.55%
24 Mths p.a.
3.95%
More Info
Australian Unity SMSF Term Deposit
Australian Unity logo
$5,000 min. deposit
3 Mths p.a.
4.60%
4 Mths p.a.
1.10%
5 Mths p.a.
1.10%
6 Mths p.a.
4.65%
7 Mths p.a.
1.45%
11 Mths p.a.
1.70%
12 Mths p.a.
4.50%
24 Mths p.a.
3.90%
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Showing 2 of 2 results
1 - 12 of 186
Name Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
ING Savings Accelerator ($150,000 - $500,000)
ING logo
Maximum Variable Rate p.a.
5.40%
Standard Variable Rate p.a.
4.70%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Welcome rate applies up to $500K
Go to siteView details
Ideal for higher balances, savers can earn up to 5.4% for the first 4 months and up to 4.7% thereafter. There are no conditions and $0 account-keeping fees.
Rabobank High Interest Savings Account
Rabobank logo
Maximum Variable Rate p.a.
5.60%
Standard Variable Rate p.a.
4.35%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Go to siteView details
Ubank High Interest Save Account
Ubank logo
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $500
  • Savings up to $100,000
Go to siteView details
ING Savings Accelerator ($150,000 - $500,000)
ING logo
Maximum Variable Rate p.a.
5.40%
Standard Variable Rate p.a.
4.70%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Welcome rate applies up to $500K
Go to siteView details
Macquarie Savings Account
Macquarie Bank logo
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
5.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $250,000
Go to siteView details
Suncorp Bank Growth Saver Account
Suncorp Bank logo
Maximum Variable Rate p.a.
5.05%
Standard Variable Rate p.a.
0.35%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance by $200 each month (excl. interest)
  • Only 1 withdrawal
  • No balance limit on earning interest
Go to siteView details
Bank of Queensland Simple Saver Account
BOQ logo
Maximum Variable Rate p.a.
4.85%
Standard Variable Rate p.a.
4.85%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances up to $5,000,000
Go to siteView details
Newcastle Permanent Smart Saver Account
Newcastle Permanent logo
Maximum Variable Rate p.a.
4.50%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance
  • No more than 2 withdrawals
Go to siteView details
ING Savings Maximiser
ING logo
Maximum Variable Rate p.a.
5.50%
Standard Variable Rate p.a.
0.55%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $1,000
  • 5 transactions
  • Grow your balance
  • Balances up to $100,000
Go to siteView details
IMB Reward Saver Account
IMB logo
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
4 months
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $50
  • No withdrawals
  • Balances up to $1,000,000
Go to siteView details
Earn up to 3.25% p.a. after the introductory period ends.
Rabobank PremiumSaver
Rabobank logo
Maximum Variable Rate p.a.
5.35%
Standard Variable Rate p.a.
1.45%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow your balance by $200+ each month
  • Balances up to $250,000
Go to siteView details
St.George Incentive Saver
St.George Bank logo
Maximum Variable Rate p.a.
5.25%
Standard Variable Rate p.a.
1.85%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Grow balance $50 ($0.01 if under 21)
  • Balance up to $249,999.99
Go to siteView details
Extra 0.10% p.a. for 3 months for new customers who apply online, with balances under $250,000.
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Showing 12 of 12 results

Quick facts about Australian Unity

  • Australian Unity has been operating for more than 180 years
  • Australian Unity is a national, member-owned organisation that provides banking, insurance, healthcare and assisted living services
  • As well as day-to-day banking products, Australian Unity offers a range of investment products and solutions too

Accounts offered by Australian Unity

Australian Unity offers a number of different personal accounts as you can see in the table over. Here's a brief snapshot of its primary bank account and savings account offer.

Australian Unity Healthy Banking Everyday Account

This is a low-cost, flexible everyday bank account that charges no monthly account keeping fees and has no ongoing deposit requirements to meet. You can access your money using the linked Visa Debit Card, at ATMs, EFTPOS or online.

Read our full review of the Australian Unity Healthy Banking Everyday Account.

Australian Unity Active Saver

This a a bonus saver account that rewards you with bonus interest every month you deposit at least $250 and make no withdrawals. It's designed to help you save money, unlike the Healthy Banking Everyday Account which is designed to help you make day-to-day transactions and pay bills.

Read our full review of the Australian Unity Active Saver Account.

Different ways to bank with Australian Unity

Australian Unity has no bank branches, however it offers a few different ways to do your banking.

Australian Unity ATM network

Australian Unity customer can access more than 3,500 rediATMs in Australia with no withdrawal fees. Customers can also use their Australian debit cards to withdraw cash for free at more than 10,000 CommBank, NAB, Westpac and ANZ ATMs throughout Australia.

Bank@Post

Australian Unity doesn't have any branches. Instead, if you need to deposit cash into your Australian Unity account, you can do this at a participating Australia Post shop using Bank@Post.

Internet and mobile banking

Customers can access the Internet banking portal 24/7 to review transactions and balances, see more detailed transaction data, pay bills, transfer money between accounts and make BPAY payments. You can also view and download your statements and open new Australian Unity bank accounts.

The AU Banking app is free to download, and has a 2.2 star rating in the App Store and a 3 star rating in the Google Play store. You can do your day-to-day digital banking using the app 24/7.

Phone banking

You can contact Australian Unity over the phone on 1300 790 740 for help with day-to-day banking, to make transactions, pay bills or check your balance.

Australian Unity contactless payment options

You can male purchases with Apple Pay, Google Pay and Samsung Pay.

Pros and cons of banking with Australian Unity

The pros

  • No account keeping fees
  • Access to free ATMs using the reiATM network
  • Discounts on other products, like Australian Unity health insurance

The cons

  • No bank branches
  • Australian Unity doesn't have its own ATM network

How to apply for an Australian Unity account online

You can apply for a new account online in less than 10 minutes. Just make sure you meet the eligibility criteria and have the necessary documents handy before you start your application.

Eligibility

  • You're over 18 years old
  • You're an Australian resident for tax purposes
  • You have an Australian phone number and residential address

Documentation

  • Personal details like your name, date of birth, residential address, phone number and email address
  • ID documents such as your driver's licence, Medicare card, passport or proof-of-age card

If you haven't found what you're looking for yet, you can compare a wide range of additional savings accounts and bank accounts from other providers with Finder.

Compare other products from Australian Unity

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Editor

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full bio

Alison's expertise
Alison has written 625 Finder guides across topics including:
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  • Savings accounts, bank accounts and term deposits
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6 Responses

    Default Gravatar
    DoNovember 23, 2023

    Do you have a children’s account?

      AvatarFinder
      JasonDecember 13, 2023Finder

      Hi Christine,

      Australian Unity has a Kids Saver account for children aged 14 and under.

    Default Gravatar
    BernardFebruary 12, 2019

    How do I apply for an easy savers account,is there a form I have
    to fill in,or an address that I could write to perhaps a phone
    number.
    Bernard

      Default Gravatar
      NikkiFebruary 13, 2019

      Hi Bernard,

      Thanks for getting in touch! To apply for the Easy Savers account, go to the providers website and apply online. The process can take as little as five minutes to complete, and your account will be created within just three business days. There is no address or phone number. Make sure you watch out for the eligibility requirements of the card to before applying. Hope this helps!

      Best,
      Nikki

    Default Gravatar
    BarryAugust 28, 2018

    Are the Australian Unity banking products covered by the Federal Gov’t guarantee?

      AvatarFinder
      JhezelynAugust 28, 2018Finder

      Hello Barry,

      Thank you for your comment.

      Yes, Australian Unity is covered by the Australian Government guarantee on deposits covering up to $250,000 per person.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

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