5 best savings accounts for January 2025
New year, new savings account? These accounts all have a Finder Score of at least 9.5 out of 10.
The new year is a great time to kick-start a new savings goal. And the first step to better savings is a better savings account.
Each month Finder analyses 180+ accounts in our panel, looking at the interest rate available and the conditions attached to earn it, and assigns each a score out of 10.
These 5 accounts all have a Finder Score above 9.5 out of 10 for Janaury 2025.
1. Ubank High Interest Save Account
This account has a Finder Score of 9.7 / 10.
It currently offers 5.50% p.a. on balances up to $100,000 when you deposit $500 each month. If your balance is between $100,000 and $250,000 you can earn 5.00% p.a. by meeting the deposit condition.
You can make withdrawals and still be eligible for the bonus interest.
2. ING Savings Maximiser Account
This account has a Finder Score of 9.7 / 10.
It currently offers 5.50% p.a. on balances up to $100,000. To earn this rate you need to deposit $1000 a month, grow your balance during the month and make 5 transactions from your ING Orange Everyday Account.
ING is also offering $100 cashback to new customers who open an account by 15 February 2025.
3. Bank of Queensland Future Saver Account
This account has a Finder Score of 9.7 / 10.
It currently offers 5.50% p.a. on balances up to $50,000 when you deposit $1000 and make 5 transactions during the month from the linked Bank of Queensland transaction account.
You also need to be aged between 14 and 35.
4. Rabobank Premium Saver
This account has a Finder Score of 9.6 / 10.
It currently offers 5.35% p.a. on balances up to $250,000 when you grow your balance by at least $200 each month.
This means you can make withdrawals from the account - but you need to make sure your balance finishes the month $200 higher.
5. MOVE Bank Growth Saver
This account has a Finder Score of 9.5 / 10.
It currently offers 5.50% p.a. on balances up to $25,000 each month you deposit $200 and make no withdrawals.
Details of these accounts are correct at time of publication and subject to change.
Compare more savings accounts to kick-start your savings goal for 2025.