UniBank savings accounts at a glance As of 20 Sept 2026, UniBank has 3 savings accounts in our dataset. The highest advertised rate is 5.25% p.a. on Starter Saver account (no monthly conditions; first $50,000). Rates were last verified on 20 Sept 2026 against the bank's official product pages.
Rates as of 20 Sept 2026 Bank Product Max rate Ongoing rate Intro offer Top rate applies to Conditions UniBank Starter Saver account 5.25% p.a. Up to 5.25% p.a. — First $50,000 No monthly conditions. UniBank MOMENTUM SAVER 5.10% p.a. Up to 5.10% p.a. — Any balance Deposit at least $100 each month. Make no withdrawals during the month. UniBank Essential Saver 5.00% p.a. Up to 5.00% p.a. — First $1,000,000 No monthly conditions.
Starter Saver account No hoops For members aged 29 and under or university students.
Last updated: 20 Sept 2026
Advertised rate
Up to 5.25% p.a.
Highest tier on the portion up to $50,000
Rate details
Ongoing rate
Up to 5.25% p.a.
Different portions of your balance earn different rates.
Who can open it
Available up to age 29. Available to Australian university students. Available to Australian citizens or permanent residents. Requires an Australian residential address.
MOMENTUM SAVER Deposit $100/month No withdrawals Deposit $100+ and make no withdrawals to earn 5.10% p.a. on balances up to $250,000, 5.00% p.a. from $250,001 to $1M, and 4.75% p.a. above $1M.
Last updated: 20 Sept 2026
Advertised rate
Up to 5.10% p.a.
On balances up to $250,000
Rate details
Ongoing rate
Up to 5.10% p.a.
$250,000 to $1,000,000
5.00% p.a.
Your whole balance earns the rate for the tier it falls into.
How to get the best rate
Deposit at least $100 each month. Make no withdrawals during the month. Who can open it
Available to Australian citizens or permanent residents. Requires an Australian residential address. Conditions are assessed on a calendar-month basis.
Essential Saver No hoops Earn 5.00% p.a. on balances up to $1,000,000 and 3.00% p.a. above $1,000,000 with no deposit or withdrawal conditions.
Last updated: 20 Sept 2026
Advertised rate
Up to 5.00% p.a.
Highest tier on the portion up to $1,000,000
Rate details
Ongoing rate
Up to 5.00% p.a.
First $1,000,000
5.00% p.a.
Above $1,000,000
3.00% p.a.
Different portions of your balance earn different rates.
Who can open it
Available to Australian citizens or permanent residents. Requires an Australian residential address. Rates, eligibility and product terms can change. Check the bank's official page before opening an account.
