Best savings accounts without notice periods
This guide focuses on savings accounts that do not require a notice period before you can access your money.
By Savings Planner · Guide updated 22 Sept 2026 · Rates checked
Top rates for savings accounts without notice periods at a glance
As of 2 Oct 2026, the highest advertised savings rate for savings accounts without notice periods in our dataset is 6.00% p.a. from ING Savings Booster (4-month intro, then 5.40% p.a.), which requires you to grow the balance by at least $100 by month end. The highest rate with no monthly conditions is 5.90% p.a. from Rabobank High Interest Savings Account (4-month intro, then up to 4.00% p.a.).
| Bank | Product | Max rate | Ongoing rate | Intro offer | Top rate applies to | Conditions |
|---|---|---|---|---|---|---|
| ING | Savings Booster | 6.00% p.a. | 5.40% p.a. | 4-month intro 6.00% p.a. | Any balance | Grow the balance by at least $100 by month end. |
| Rabobank | High Interest Savings Account | 5.90% p.a. | Up to 4.00% p.a. | 4-month intro Up to 5.90% p.a. | Any balance | No monthly conditions. |
| ING | Savings Accelerator | 5.85% p.a. | Up to 4.80% p.a. | 4-month intro Up to 5.85% p.a. | First $250,000 | No monthly conditions. |
| ubank | Save account | 5.85% p.a. | Up to 5.10% p.a. | 4-month intro Up to 5.85% p.a. | First $1,000,000 | Grow the balance by at least $1 by month end. |
| BOQ | Future Saver Account | 5.80% p.a. | Up to 5.80% p.a. | — | First $50,000 | Ages 14–17: no monthly deposit or card-spend conditions for the bonus rate. For customers aged 18 to 35, deposit at least $1,000 from another Australian bank each month. For customers aged 18 to 35, make at least 5 card purchases each month. |
| Bankwest | Bankwest Easy Saver | 5.75% p.a. | Up to 5.00% p.a. | 4-month intro Up to 5.75% p.a. | Any balance | No monthly conditions. |
| Newcastle Permanent | Smart Saver Account (under 25) | 5.75% p.a. | Up to 5.75% p.a. | — | First $50,000 | Finish the month with a higher balance than you started with. Make no more than 2 withdrawals each month. |
| RACQ Bank | Bonus Saver Account | 5.75% p.a. | Up to 5.75% p.a. | — | First $100,000 | Deposit at least $100 each month. Make no withdrawals during the month. |
| MOVE Bank | Growth Saver | 5.65% p.a. | Up to 5.65% p.a. | — | First $25,000 | Deposit at least $200 each month. Make no withdrawals during the month. |
| First Option Bank | KIDS BONUS SAVER | 5.55% p.a. | 5.55% p.a. | — | Up to $10,000 | Deposit at least $5 each month. Make no withdrawals during the month. |
What this shortlist removes
This shortlist removes every product that requires notice (for example 31 or 90 days) before you can withdraw at the better rate. It does not remove other conditions: products here can still include monthly deposit, balance-growth, card-spend or withdrawal rules, and several do. Read the conditions column before choosing.
If you want no conditions at all, use the No hoops filter on this list or in Savings Planner, which removes every monthly rule type at once.
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