Best Bank Account

The top-rated bank accounts on RateCity.com.au. Data based on monthly deposit of $5,000. Excludes accounts for those 25-and-under and pensioner accounts.

Ranking
Product
Company
ATM Fee
Maximum Interest rate
Card Type
Features
1
28 position up today
HSBC

Gold Award Winner 2020

$0

Over 13,000 ATMs customers can use in Australia with no ATM fees

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
2
1 position up today
Macquarie Bank

$0

Over 3,000 rediATMs

0.35%

MasterCard

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
3
1 position up today
Up

Online only

MasterCard

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
4
1 position up today
86 400

$0

Online only

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
5
1 position up today
Citi

Gold Award Winner 2020

$0

Over 3,000 Westpac Group ATMs

0.75%

MasterCard

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
6
4 position down today
ING

$0

Access at any ATM

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
7
1 position down today
UBank

$0

Over 10,000 ATMs

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
8
1 position up today
Westpac

$0

MasterCard

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
9
1 position down today
CUA

$0

Free access to thousands of ATMs nationwide

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
10
1 position down today
ANZ

$0

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
11
1 position down today
Commonwealth Bank of Australia

$0

MasterCard

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
12
1 position down today
NAB

$0

Over 7,000 ATMs

0.01%

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
13
1 position down today
Suncorp Bank

$0

Over 3,000 rediATMs

0.01%

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
14
22 position up today
Heritage Bank

$0

Over 3,000 Westpac Group ATMs

0.01%

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
15
1 position down today
Bankwest

$0

Approximately 3,400 CommBank Branded ATMs

0.01%

MasterCard

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
16
1 position down today
Queensland Country Bank

$0

Over 3,000 Westpac Group ATMs

0.01%

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
17
1 position down today
Police Bank

$0

Over 3,000 rediATMs

0.01%

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
18
1 position down today
Community First Credit Union

Over 3,000 rediATMs

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
19
1 position down today
Beyond Bank Australia

$0

Over 3,000 rediATMs

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account
20
1 position down today
Endeavour Mutual Bank

Over 3,000 rediATMs

Visa

Apple Pay
Google Pay
Interest rate
Overseas ATM facilities
Samsung Pay
Linked account

Bank Accounts leaderboards

How are Real Time Ratings™ calculated?