Best standard savings account

The top-rated savings accounts suitable for savers who want complete freedom while still earning interest. Assumes a balance of $10,000 at any given time. Excludes kids' and pensioners' accounts, as well as accounts that offer bonus interest if certain terms and conditions are met each month.

Ranking
1
1 position up today
Maximum rate

1.35%

Intro 4 months then 1.20%

Company
Macquarie Bank
Base rate

1.20%

Maximum monthly interest

$5.6

Total interest earned

$128.9

Ranking
2
1 position up today
Product
Maximum rate

1.00%

Company
Volt Bank
Base rate

1.00%

Maximum monthly interest

$4.2

Total interest earned

$95.3

Ranking
3
2 position up today
Maximum rate

1.30%

Intro 4 months then 0.65%

Company
Heritage Bank
Base rate

0.65%

Maximum monthly interest

$5.4

Total interest earned

$124.1

Ranking
4
1 position up today
Maximum rate

0.80%

Company
MyLife MyFinance
Base rate

0.80%

Maximum monthly interest

$3.3

Total interest earned

$76.2

Ranking
5
1 position up today
Maximum rate

0.85%

Company
AMP Bank
Base rate

0.85%

Maximum monthly interest

$3.5

Total interest earned

$81

Ranking
6
1 position up today
Maximum rate

0.75%

Company
MOVE Bank
Base rate

0.75%

Maximum monthly interest

$3.1

Total interest earned

$71.4

Ranking
7
1 position up today
Maximum rate

0.60%

Company
Warwick Credit Union
Base rate

0.60%

Maximum monthly interest

$2.5

Total interest earned

$57.1

Ranking
8
1 position up today
Maximum rate

0.50%

Company
Goldfields Money
Base rate

0.50%

Maximum monthly interest

$2.1

Total interest earned

$47.6

Ranking
9
1 position up today
Maximum rate

0.65%

Company
Auswide Bank
Base rate

0.65%

Maximum monthly interest

$2.7

Total interest earned

$61.9

Ranking
10
1 position up today
Maximum rate

0.55%

Company
Woolworths Team Bank
Base rate

0.55%

Maximum monthly interest

$2.3

Total interest earned

$52.4

Ranking
11
1 position up today
Maximum rate

0.50%

Company
Qudos Bank
Base rate

0.50%

Maximum monthly interest

$2.1

Total interest earned

$47.6

Ranking
12
1 position up today
Maximum rate

1.10%

Intro 4 months then 0.35%

Company
Citi
Base rate

0.35%

Maximum monthly interest

$4.6

Total interest earned

$104.9

Ranking
13
1 position up today
Maximum rate

0.50%

Company
Nova Alliance Bank
Base rate

0.50%

Maximum monthly interest

$2.1

Total interest earned

$47.6

Ranking
14
51 position up today
Maximum rate

1.00%

Intro 6 months then 0.00%

Company
Summerland Credit Union
Base rate

-

Maximum monthly interest

$4.2

Total interest earned

$95.3

Ranking
15
1 position down today
Maximum rate

0.55%

Company
WAW Credit Union
Base rate

0.55%

Maximum monthly interest

$2.3

Total interest earned

$52.4

Ranking
16
1 position down today
Maximum rate

0.55%

Company
Australian Unity
Base rate

0.55%

Maximum monthly interest

$2.3

Total interest earned

$52.4

Ranking
17
1 position down today
Maximum rate

0.50%

Company
Health Professionals Bank
Base rate

0.50%

Maximum monthly interest

$2.1

Total interest earned

$47.6

Ranking
18
1 position down today
Maximum rate

0.50%

Company
UniBank
Base rate

0.50%

Maximum monthly interest

$2.1

Total interest earned

$47.6

Ranking
19
1 position down today
Maximum rate

0.40%

Company
Bank of Heritage Isle
Base rate

0.40%

Maximum monthly interest

$1.7

Total interest earned

$38.1

Ranking
20
1 position down today
Maximum rate

0.50%

Company
Teachers Mutual Bank
Base rate

0.50%

Maximum monthly interest

$2.1

Total interest earned

$47.6