Compare High Interest Accounts in December 2024

1 - 11 of 185

Name	Finder Score	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Rabobank High Interest Savings Account	Finder score 8.3 Great	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 site View details Compare	Earn a high interest rate of 5.6% for the first 4 months and then 4.35% thereafter, with $0 account keeping fees and no monthly balance requirements.	loading Fetching your data...
Ubank High Interest Save Account	Finder score 9.7 Excellent	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 site View details Compare	Use code FINDER20 to score $20 after 5 card purchases in your first 30 days. See terms link on the app store.	loading Fetching your data...
ING Savings Accelerator ($150,000 - $500,000)	Finder score 8.7 Great	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 site View details Compare	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.	loading Fetching your data...
Rabobank High Interest Savings Account	Finder score 8.3 Great	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 site View details Compare	loading Fetching your data...
Ubank High Interest Save Account	Finder score 9.7 Excellent	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 site View details Compare	loading Fetching your data...
ING Savings Accelerator ($150,000 - $500,000)	Finder score 8.7 Great	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 site View details Compare	loading Fetching your data...
Macquarie Savings Account	Finder score 9.2 Excellent	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 site View details Compare	loading Fetching your data...
Suncorp Bank Growth Saver Account	Finder score 9 Excellent	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 site View details Compare	loading Fetching your data...
Bank of Queensland Simple Saver Account	Finder score 8.9 Great	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 site View details Compare	loading Fetching your data...
Newcastle Permanent Smart Saver Account	Finder score 8 Great	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 site View details Compare	loading Fetching your data...
ING Savings Maximiser	Finder score 9.7 Excellent	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 site View details Compare	loading Fetching your data...
IMB Reward Saver Account	Finder score 6.1 Standard	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 site View details Compare	Earn up to 3.25% p.a. after the introductory period ends.	loading Fetching your data...
Rabobank PremiumSaver	Finder score 9.6 Excellent	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 site View details Compare	loading Fetching your data...
St.George Incentive Saver	Finder score 9.4 Excellent	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 site View details Compare	Extra 0.10% p.a. for 3 months for new customers who apply online, with balances under $250,000.	loading Fetching your data...

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Showing 11 of 11 results

How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full Finder Score breakdown

Banks

How to compare high interest savings accounts

There's more to consider than just the high interest rate. Think about the following when you compare accounts:

Is the interest rate competitive?
Can I meet the monthly deposit requirement every month without putting myself into financial stress? If you can't, consider an account with a smaller monthly deposit condition.
Is it important to me that I keep my existing everyday bank account? If yes, consider a savings account with that same bank.
Is the high rate for an introductory period only (e.g. for the first 4-5 months)? If it is, will I be happy to change accounts again after this?
Am I able to make withdrawals from the account if I need to without losing my interest that month?

Our expert says

"I've had 4 different HISA accounts and my view is there are only a few worth having depending on your personal situation. If you are interested in maximising your interest on a balance below $100K, I prefer Ubank as it gives you a high ongoing rate with only one hoop to jump through (the monthly deposit requirement). ING used to hold the crown, but they made it tough to get their bonus rate as you had to deposit more and make 5 transactions on the linked card. CBA's Goalsaver is less competitive but great for those who might be saving larger balances (like for a deposit) as they will pay a decent rate on almost any balance as long as you make a deposit and grow the balance."

Taylor Blackburn

Money expert

Looking for more interest-earning options? Check out these accounts

Term deposits provide an alternative option to savings accounts where you can lock in your money for longer and potentially earn more interest. Here are a few term deposits which offer an interest rate above 4%p.a.:

1 - 10 of 166

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.
Judo Bank Term Deposit $1,000 min. deposit	3 Mths p.a. 4.95%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 5.05%	7 Mths p.a. -	11 Mths p.a. -	12 Mths p.a. 5.00%	24 Mths p.a. 4.70%	Go to site More Info Compare	You can get competitive interest rates on all term lengths. This term deposit has a low minimum deposit amount and is a 2024 Finder Award winner.
Newcastle Permanent Term Deposit $1,000 min. deposit	3 Mths p.a. 4.00%	4 Mths p.a. 4.00%	5 Mths p.a. 4.00%	6 Mths p.a. 4.75%	7 Mths p.a. 3.80%	11 Mths p.a. -	12 Mths p.a. 4.55%	24 Mths p.a. 4.00%	Go to site More Info Compare	Lock in a rate as high as 4.75% for 6 months with a minimum $1,000 deposit.
Judo Bank Term Deposit Finder Award$1,000 min. deposit	3 Mths p.a. 4.95%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 5.05%	7 Mths p.a. -	11 Mths p.a. -	12 Mths p.a. 5.00%	24 Mths p.a. 4.70%	Go to site More Info Compare
Newcastle Permanent Term Deposit $1,000 min. deposit	3 Mths p.a. 4.00%	4 Mths p.a. 4.00%	5 Mths p.a. 4.00%	6 Mths p.a. 4.75%	7 Mths p.a. 3.80%	11 Mths p.a. -	12 Mths p.a. 4.55%	24 Mths p.a. 4.00%	Go to site More Info Compare
Bankwest Term Deposit $1,000 min. deposit$10,000,000 max. deposit	3 Mths p.a. 3.75%	4 Mths p.a. 3.00%	5 Mths p.a. 3.00%	6 Mths p.a. 4.25%	7 Mths p.a. 4.00%	11 Mths p.a. -	12 Mths p.a. 4.70%	24 Mths p.a. 3.90%	Go to site More Info Compare
BCU Term Deposit $1,000 min. deposit$999,999 max. deposit	3 Mths p.a. 4.85%	4 Mths p.a. 4.90%	5 Mths p.a. 4.00%	6 Mths p.a. 4.90%	7 Mths p.a. 4.00%	11 Mths p.a. 3.80%	12 Mths p.a. 4.70%	24 Mths p.a. 3.80%	More Info Compare
Rabobank Term Deposit (SMSF) $1,000 min. deposit$2,000,000 max. deposit	3 Mths p.a. 4.85%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 4.90%	7 Mths p.a. -	11 Mths p.a. -	12 Mths p.a. 4.55%	24 Mths p.a. 4.20%	More Info Compare
Australian Unity Term Deposit $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 Compare
Rabobank Term Deposit $1,000 min. deposit$2,000,000 max. deposit	3 Mths p.a. 4.85%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 4.90%	7 Mths p.a. -	11 Mths p.a. -	12 Mths p.a. 4.55%	24 Mths p.a. 4.20%	More Info Compare
ING Term Deposit $10,000 min. deposit	3 Mths p.a. 4.85%	4 Mths p.a. 4.85%	5 Mths p.a. -	6 Mths p.a. 5.10%	7 Mths p.a. 4.65%	11 Mths p.a. 4.60%	12 Mths p.a. 4.95%	24 Mths p.a. 4.40%	More Info Compare
Great Southern Bank Platinum Plus 55+ $5,000 min. deposit$1,000,000 max. deposit	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. 4.55%	24 Mths p.a. 4.10%	More Info Compare
Great Southern Bank Term Deposit Account $5,000 min. deposit$1,000,000 max. deposit	3 Mths p.a. 4.75%	4 Mths p.a. 2.95%	5 Mths p.a. 4.50%	6 Mths p.a. 4.35%	7 Mths p.a. 3.05%	11 Mths p.a. 4.75%	12 Mths p.a. 4.45%	24 Mths p.a. 4.00%	More Info Compare

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Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.

Written by

Alison Banney

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:

Superannuation
Savings accounts, bank accounts and term deposits
Budgeting and money-saving hacks
Managing the cost of living

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High interest savings accounts, the one time having a high rate is awesome.

Rates that could give you high fives all day long (checked daily.)