Accounts Leaderboard by techt.

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8	Welcome to the Accounts Leaderboard
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10	by techt.
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12	Not all products are listed on the leaderboard, minimum cut-offs and criteria apply.
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14	Join The techt.community Today.
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16		Invite Link	Subreddit	techt.link	Subreddit
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18	About Accounts Leaderboard and techt.
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	A	B	C	D	E	F	G	H	I	J	K
1			Valid From	Base	Max Bonus	Max Total	Requirement for bonus	Max Balance	Comments	Effective as of	Last Checked or Edited

2		ME Bank HomeMe Save + SpendMe Transaction	Current	0.55%	5.00%	5.55%	Dep. $2k to SpendMe. Grow HomeMe bal. Requires SpendMe. Bonus up to $100k. App only. Part of BOQ for $250k Gov. Guarantee	Bonus up to $100k, then 3.00% $100k to $1m	SpendMe account required. $2k dep must go to SpendMe, can be withdrawn. HomeMe balance must grow. MeGo app required	24/10/2023	20/11/2023
3		ING Savings Maximiser + Orange Everyday	Current	0.55%	4.95%	5.50%	Dep. 1000 per month - maybe not in 1st month? (hover)** + 5 card transactions. Grow SM balance (exclude current month interest). Bonus up to $100k	Bonus paid up to 100k	Need linked OE account.	14/06/2023	08/11/2023
4		MOVE Growth Saver	Current	0.10%	5.40%	5.50%	Bonus rate applies up to $25,000, a minimum deposit of $200 per month and no withdrawals within a calendar month.	Bonus paid up to 25k		01/02/2024	05/02/2024
5		AMP Saver Account	Current	1.20%	4.20%	5.40%	Dep. 1000 in prior month. Bonus applies to first $250k.	Bonus paid up to 250k, max balance 5m		01/02/2024	02/02/2024
6		Virgin Money Boost Saver + Lock Saver	Current	0.05%	5.30%	5.35%	Same conditions as Boost Saver + Provide 32 days’ advance notice to withdraw your money or to unlock your account	Bonus paid up to 250k. Note: part of BoQ (affects Govt G'tee)	Requires Go account in same name. Has a rewards scheme	27/11/2023	27/11/2023
7		Great Southern Bank Home Saver	Current	0.50%	4.75%	5.25%	Dep. 2000 per month. 5 settled Visa debit transactions on Everyday Edge (formerly called Everyday Snap) account	Bonus paid up to 100k	Very low rate if 'bonus' requirement not met	28/06/2023	20/11/2023
8		Bendigo Reward Saver	Current	0.30%	4.95%	5.25%	Grow RS balance (exclude current month interest), You must hold an eligible transaction account.	Bonus paid up to 100k	Very low rate if 'bonus' requirement not met	16/06/2023	20/11/2023
9		RACQ Bank Bonus Saver	Current	0.01%	5.24%	5.25%	Dep. 100 per month. No withdrawals	Bonus paid up to 100k. Substantially lower rate over 100k	Very low rate if 'bonus' requirement not met	07/02/2024	08/02/2024
10		Australian Unity Freedom Saver	Current	5.10%	Varies	5.20%	No hoops. Daily transfer limit $1250 unless registered for SMS security. Max rate for Bal. up to $50k.	Max rate only for total Bal. <$50k	Max rate on balance up to $50k only. Rate differs for other ranges	02/01/2024	02/01/2024
11		St George Incentive Saver	Current	1.85%	3.30%	5.15%	Grow bal by $50 (>=21 yo) or $0.01 (< 21yo) & bal stays above zero. Extra 0.1% for 3 mths for new account holders applying online	Max bonus paid up to 250k, 4.85% on balance section $250k+	Tiered rates. Ability to open multiple accounts. Government Guarantee only covers 250k	17/11/2023	17/11/2023
12		BankSA Incentive Saver
13		Bank of Melbourne Incentive Saver
14		:ubank	Current	0.10%	5.00%	5.10%	Dep. 200 per month into any account. Web banking now avail. Pay from any account (transaction account used for card).	Bonus paid up to 250k	Unpredictably-timed identity verification process may require a selfie & photos of licence, photo id or passport from a mobile device.	01/12/2023	20/11/2023
15		Suncorp Growth Saver	Current	0.35%	4.70%	5.05%	Grow Bal. by 200 and max 1 withdrawal per month		Very low rate if 'bonus' requirement not met. Max 1 withdrawal per month	20/11/2023	20/11/2023
16		Virgin Money Boost Saver	Current	0.05%	5.00%	5.05%	Dep. 1000 + 5 purchases/direct debits/BPAYs, settled in previous month. No criteria if under 18yo. No EFTPOS.	Bonus paid up to 250k. Note: part of BoQ (affects Govt G'tee)	Bonus paid up to 250k. Note: part of BoQ (affects Govt G'tee)	27/11/2023	27/11/2023
17		MyState Bonus Saver	Current	0.05%	4.95%	5.00%	Dep. 20 per month into Bonus Saver Account + 5 VISA Debit card transactions	Bonus paid up to 250k	Need linked MyState Everyday or Glide Account	01/07/2023	08/11/2023
18		RaboBank Premium Saver	Current	2.50%	2.50%	5.00%	Grow Bal. by 200 - per month. Bal <=250k for max rate; substantially lower rate over that balance	No maximum balance but bonus varies	Grow Bal. by 200 - per month	27/03/2024	09/04/2024
19		BOQ Smart Saver 35+ yo	Current	0.05%	4.95%	5.00%	Dep. 1000 into linked Everyday acct & 5 eligible transactions. Bonus in 1st month, must earn for subsequent months.	Bonus paid up to 250k		24/10/2023	20/11/2023
20		Westpac Life	Current	2.00%	3.00%	5.00%	Make a deposit. Ensure balance is higher at the end than the beginning. Keep balance above $0 at all times.			17/11/2023	17/11/2023
21		NAB Reward Saver	Current	0.35%	4.65%	5.00%	Make at least one deposit on or before the second last banking day of the month, and no withdrawals.	Bonus paid > $1	$1M +	17/11/2023	11/12/2023
22		easystreet Bonus Saver Account	Current	0.01%	4.99%	5.00%	Dep 50 and no withdrawals			01/12/2024	01/01/2024
23		MOVE Bonus Saver	Current	0.10%	4.90%	5.00%	Dep. 200 - no withdrawals	No bonus if >250k	Reopened to new customers - Membership is $10 with payment deferred until called for by the Board of Directors.	06/03/2024	06/03/2024
24		ANZ Plus Save Account	Current	3.75%	1.15%	4.90%	No hoops. $30k daily pay anyone limit. $30k BPay limit. Base rate if balance >250k.	Bonus paid up to 250k	Application process may require a selfie & photos of licence or passport in app. NSW Photo Id not accepted. Product is more like a public beta some features are still in build.	17/11/2023	20/11/2023
25		Unity Bank MoneyMAX Account	Current	4.90%	0.00%	4.90%	No hoops. Has BPay and external transfers from account		`	25/12/2023	28/12/2023
26		Commonwealth Bank GoalSaver	Current	0.40%	4.50%	4.90%	Make a deposit. Have a higher balance at the end of the month compared to the start of the month.	N/A	Grow balance	17/11/2023	17/11/2023
27		Peoples Choice Dream Fund	Current	0.01%	4.84%	4.85%	When closing balance on last day of the month, is greater than the opening balance for that month, excluding any interest credited.	N/A	Very low rate if 'bonus' requirement not met	01/07/2023	20/11/2023
28		Great Southern Bank Advantage Saver	Current	0.10%	Varies	4.85%	Grow balance by $250 in current month. Slightly lower rate lower over $100k (see website).	Max bonus paid up to 100k, no limit at reduced bonus	Very high max balance for bonus rates. Very low rate if 'bonus' requirement not met	03/01/2024	04/01/2024
29		Macquarie Savings Account	Current	4.75%	0.00%	4.75%	For amounts up to $1m; >1m see website. No hoops. Optional transaction acct pays same int rate; has Mastercard but no eftpos.	N/A	Need linked Macquarie Transaction account. Interest is paid on the portion of the balance that falls within each band.	17/11/2023	02/03/2024
30		Australian Unity Active Saver	Current	0.01%	4.74%	4.75%	Dep. 250 and no withdrawals to get bonus. Bonus paid up to $500k balance	$500k then base rate	No withdrawals	07/12/2023	11/12/2023
31		ING Savings Accelerator	Current	Varies	0.00%	4.70%	No hoops. Bal. up to 50k 2.85%; from 50k to 150k 3.75%; over 150k 4.7%	5M max balance	Max rate only when total balance >150k. Interest rate on entire balance varies depending on balance	20/11/2023	20/11/2023
32		Up Savers	Current	0.00%	4.35%	4.35%	5 debit card or digital wallet purchases completed from your Everyday Account per month	No bonus if combined Savers balance >1m	Need linked Everyday Account	01/07/2023	20/11/2023
33		ME Bank SaveME + SpendMe Transaction	Current	0.05%	4.20%	4.25%	4 contactless transactions per month	Bonus paid up to 250k	Need linked Everyday Transaction account. Bonus now applicable on multiple Online Savings accounts up to 250K in each.	27/03/2023	20/11/2023
34		Australian Military Bank Online Saver	Current	0.10%	4.15%	4.25%	No withdrawals. Min $5k balance	$500k		01/06/2023	20/11/2023
35		HSBC Bonus Savings Account	Current	2.00%	2.25%	4.25%	Grow Bal. by 300	5M	Available in: AUD, USD, EUR, GBP, HDK, SGD, JPY, CAD, NZD, CNY (different minimum grow and max balances per currency)	21/02/2024	29/04/2024
36		Peoples Choice Bonus Saver Account	Current	0.01%	4.24%	4.25%	Dep. $50 per month - no withdrawls.	N/A	Very low rate if 'bonus' requirement not met	09/06/2023	20/11/2023
37		MOVE Online Saver	Current	4.20%	0.00%	4.20%	No hoops. No paper statements	$5,000,000	Very high maximum amount, no fees or hoops	01/06/2023	20/11/2023
38		Great Southern Bank eSaver Flexi	Current	4.20%	0.00%	4.20%	No conditions	N/A		22/06/2023	20/11/2023
39		Bankwest Easy Saver Account	Current	4.00%	0.00%	4.00%	No hoops. Need linked Easy Transaction Account.	Bonus paid up to $250,000.99	Need linked Easy Transaction Account. Age 16+. No direct debits or scheduled payments from Easy Saver Account.	29/05/2023	20/11/2023
40	Accounts for Under "X" Years of Age.
41		BOQ Future Saver 14-17yo	Current	0.05%	5.45%	5.50%	Same account as "BOQ Future Saver 17-35yo" but no requirements to meet to receive bonus if 14-17yo.	Max bonus on first $50k, then 3.00% on remainder up to $250k	Must be 14 to 17yo.	22/03/2024	22/03/2024
42		Great Southern Bank Youth eSaver <18yo	Current	1.00%	4.50%	5.50%	Max rate on first $5000, Then 1.00% on portion of balance over $5,000	Max bonus on first $5k, then 1.00% on remainder	Converts to standard eSaver Plus Account once you turn 18 years old	22/06/2023	08/11/2023
43		Australian Mutual Bank Young Saver	Current	5.50%	0.00%	5.50%	No hoops; First $5k at max rate; $5,000.01 - $10K 2.25%; >$10K 0.01%	Max bonus on first $5k only.	A savings account available to members aged 12 to 17 years. Account in adult name if under 12.	07/04/2023	08/11/2023
44		BOQ Future Saver 17-35yo	Current	0.05%	5.45%	5.50%	Dep. 1000 into linked Everyday acct & 5 eligible transactions. Bonus in 1st month, must earn for subsequent months.	Max bonus on first $50k, then 3.00% on remainder up to $250k	Must be 17 to 35yo.	22/03/2024	22/03/2024
45		Great Southern Bank Goal Saver 18-24yo	Current	0.50%	4.85%	5.35%	Up to $50k. Dep. 500 in Everyday Edge account, 5 card transactions for bonus.	$50k	Must be 18 to 24yo.	22/06/2023	08/11/2023
46		Police Bank U30 Super Charge Account <30yo	Current	5.25%	0.00%	5.25%	Must have entire salary deposited to account. Up to $30k total ($10k per account, up to 3 accounts per customer)	$30k	Converts to standard Easy Access (S1) Account once you turn 30 years old	12/07/2023	08/11/2023
47		Westpac Life (18-29yo)	Current	2.00%	3.20%	5.20%	Requires deposit, grow bal, keep bal > $0 and 5 eligible purchases with debit card on a Choice account	Spend&Save bonus payable on up to $30,000	Must be between 18 and 29, Hover for more details.	12/07/2023	08/11/2023
48		Westpac Bump Savings (<17yo)	Current	2.00%	3.00%	5.00%	Requires deposit, grow bal, keep bal > $0	N/A	Must be between <17yo, <14yo need a parent to open account. Account converts to Westpac Life once holder turns 18yo.	17/11/2023	17/11/2023
49		Commonwealth Bank Youthsaver (<18yo)	Current	2.60%	2.40%	5.00%	Have a higher balance at the end of the month compared to the start of the month.	Bonus paid up to 50k	Grow balance. Must be <14yo.	29/11/2023	11/12/2023
50		Peoples Choice Young Saver Account	Current	0.10%	4.80%	4.90%	Deposit a minimum of $5 and make no withdrawals in any month to earn bonus interest	N/A	Must be under 18. Account in adult name if under 13.	12/07/2023	08/11/2023
51		Bank Australia mySaver (<25yo)	Current	0.10%	4.65%	4.75%	Deposit $10+ a month. No withdrawals.	Max bonus paid up to 50k. Stepped rates >50k	Must be <25yo. Rate drops to 0.10% if conditions aren't met.	25/09/2023	08/11/2023
54	Special Accounts
55		Migrated From Citi to NAB Reward Saver	Current	4.60%	1.00%	5.60%	Special deal for migrated Citi Online Saver accounts. Make at least one deposit on or before the second last banking day of the month, and no withdrawals.	Bonus paid > $1	Very good base rate if bonus criteria not met. Allows balances $1M +	05/12/2023	11/12/2023
56		Hiver Target Saver	Current	0.01%	5.24%	5.25%	Dep. 1000, no withdrawals, keep positive balance at all times. Closed to new business effective 28-Mar-2024	N/A, discretionary approval required for $5m+	Very low rate if 'bonus' requirement not met. Must: Be an Australian citizen, 18+, Current Australian Drivers Licence or Passport	01/03/2024	02/03/2024
57		Macquarie Transaction Account	Current	Varies	0.00%	4.75%	First $250k. No hoops. No eftpos	Max bonus up to 250k, then rates vary.	Interest is paid on the portion of the balance that falls within each band.	17/11/2023	20/11/2023
58		nabtrade High Interest Account	Current	4.50%	0.00%	4.50%	Balances up to $1M, slightly lower rate above that. Requires nabtrade account and associated nabtrade Cash Account.	$1M	Balances up to $1,000,000. Rates are variable. On higher balances lower interest rates will apply to the total balance.	17/11/2023	11/12/2023
59	Honeymoon Rates
60		Rabobank HISA	Current	4 months		5.75%		Up to 250k		15/11/2023	20/11/2023
61		Macquarie Savings Account	Current	4 months		5.35%	For deposits up tp $250k. Reportedly honeymoon rate accounts opened at 5.5% are still at that rate	Max bonus up to 250k, then rates vary.	Welcome rate is fixed for the 4 month honeymoon period - even if the standard and/or welcome rate increases.	28/02/2024	02/03/2024
62		St George Maxi Saver	Current	3 months		5.35%	New customers only. Must apply online for the additional 0.10%. Use an Incentive Saver otherwise	N/A	Bank of Melbourne, and BankSA also have the same Maxi Saver account.	17/11/2023	17/11/2023
63		BankSA Maxi Saver
64		Bank of Melbourne Maxi Saver
65		IMB Bank Reward Saver	Current	4 months		5.25%	Grow balance by $50 & no withdrawals. Intro rate applied for "first 4 interest payments"	1M	Drops to 3% after honeymoon phase	01/09/2023	20/11/2023
66		St George Incentive Saver	Current	3 months		5.25%	New incentive saver customers only. Must apply online for the additional 0.10% for 3 months, grow by $50 per month	N/A	Bank of Melbourne, and BankSA also have the same Incentive Saver account.	17/11/2023	17/11/2023
67		BankSA Incentive Saver
68		Bank of Melbourne Incentive Saver
69		HSBC Everyday Savings Account	Current	3 months		5.15%		1M	Drops to 2.80% after honeymoon phase.	23/06/2023	20/11/2023
70		Commonwealth Bank NetBank Saver	Current	5 months		5.10%		N/A	Drops to 1.60% standard rate after honeymoon phase.	16/06/2023	20/11/2023
71		Australian Unity Easy Saver	Current	4 months		5.10%		Up to 250k	Welcome rate is fixed. 0.01% base rate for amounts over $250K. Requires a linked Australian Unity Transaction account.	05/10/2023	20/11/2023
72		Bankwest Easy Saver Account	Current	4 months		5.10%	No hoops. Need linked Easy Transaction Account.	Bonus paid up to $250,000.99	Welcome rate is fixed. Requires a linked Easy Transaction account.	15/11/2023	18/11/2023
73		easystreet Easy Savings Account	Current	6 months		5.00%	No hoops	Account balances greater than $1 million are subject to approval		14/11/2023	01/01/2024
74		NAB iSaver	Current	4 months		5.00%	Introductory rate on first NAB iSaver account only	20M	Drops to 1.10% standard rate after honeymoon phase.	17/08/2023	20/11/2023
75		Heritage Bank Online Saver	Current	4 months		4.90%		$100k		04/12/2023	11/12/2023
76	Top Three
77	Business Savings Accounts
78	Coming Soon
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81	SMSF Accounts
82	Coming Soon
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8	Thank you for Sharing
9	Thank you for Sharing
10	Share The Spreadsheet
11	Share The Spreadsheet
12	The leaderboard can be shared in one of two ways using a direct link to a tab or by using the landing page you can copy the links below for direct permanent links to the landing page or directly to a tab.
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14	Landing Page		Welcome		About		Savings	Transaction
15	Landing Page		Welcome		About		Savings	Transaction
16	Please Note to help us ensure that everyone gets a consistent user experience please refrain from sharing direct links and alternative versions like HTML versions of the spreadsheet which often have several elements broken.
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18	The Accounts Leaderboard is Commonly Seen and Shared on The Below Communities.
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20						Your community could be featured here soon.
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24		OzBargain		r/AusFinance
25		Savings Poll		Subreddit
26		Transaction Poll		Subreddit
27	The Accounts Leaderboard From Time to Time is Mentioned in Blogs, YouTube and News Content.
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29		The leaderboard editor team does not indoors or check the validity of any content posted below.
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31		27th of March 2024 \| Kelly Simpson (Spaceship) - How to save $10,000
32		15th of February 2024 \| Raymond La (YouTube) - The BEST High Interest Savings Accounts In Australia
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	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q
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8		Thinking about getting involved?
9		Thinking about getting involved?
10		Please Note
11		Please Note
12		Requesting access to edit the spreadsheet or sending feedback via the built-in Google sheets "Request editor access" button is pretty much ignored as those emails are sent to the placeholder email address that holds all the techt.community Dataset's which is unmonitored.
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15		To find out more about official communication mechanisms and ways to request access see below.
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17		Becoming an Editor
18		Becoming an Editor
19		Editor applications are done annually (July) or as when needed and typically applications are favoured towards people that have contributed in the techt.community or other communities listed on the "Share Me" tab in the spreadsheet you're currently in.
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22		When applications open a link to a Google form will be posted here. Check back in July 2024.
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24		Report Out of Date Rates and Suggest Products
25		Report Out of Date Rates and Suggest Products
26		We should be launching two Google forms that you can fill out in the coming weeks, but in the meantime you can join the discord server.
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29		Feedback and Suggestions
30		Feedback and Suggestions
31		Suggestions and feedback is currently recommended via the discord server where you can communicate directly with people on the editor team.
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34		Annual Survey
35		Annual Survey
36		Starting this year, we are going to be doing an annual survey for users of this spreadsheet the survey will be available and posted in September 2024
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