Are intro savings rates better than ongoing rates over 6 months?

This guide looks at what a 30-year-old saver might see with $50,000 over 6 months, where short intro offers can materially change the near-term outcome.

Best setups for your cash

Projected return over your selected term using current product data. Check the official bank page before acting.

6-month return

$1,344

2-product split

Account

Put here

Advertised rate

Effective rate

Return

BOQ

Future Saver Account

Est. return

$669

Amount

$25,000

Headline rate

5.35%p.a.

Effective rate

5.35%p.a.

$25,000

5.35%

$669

Details

MOVE Bank

Growth Saver

Est. return

$675

Amount

$25,000

Headline rate

5.40%p.a.

Effective rate

5.40%p.a.

$25,000

5.40%

$675

Details

6-month return

$1,344

2-product split

Account

Put here

Advertised rate

Effective rate

Return

Judo Bank

Personal Savings Account

Est. return

$669

Amount

$25,000

Headline rate

5.35%p.a.

Effective rate

5.35%p.a.

$25,000

5.35%

$669

Details

MOVE Bank

Growth Saver

Est. return

$675

Amount

$25,000

Headline rate

5.40%p.a.

Effective rate

5.40%p.a.

$25,000

5.40%

$675

Details

6-month return

$1,344

2-product split

Account

Put here

Advertised rate

Effective rate

Return

MOVE Bank

Growth Saver

Est. return

$675

Amount

$25,000

Headline rate

5.40%p.a.

Effective rate

5.40%p.a.

$25,000

5.40%

$675

Details

ubank

Save account

Est. return

$669

Amount

$25,000

Headline rate

5.60%p.a.

Effective rate

5.35%p.a.

$25,000

5.60%

5.35%

$669

Details

6-month return

$1,338

1-product split

Account

Put here

Advertised rate

Effective rate

Return

BOQ

Future Saver Account

Est. return

$1,338

Amount

$50,000

Headline rate

5.35%p.a.

Effective rate

5.35%p.a.

$50,000

5.35%

$1,338

Details

6-month return

$1,338

1-product split

Account

Put here

Advertised rate

Effective rate

Return

Judo Bank

Personal Savings Account

Est. return

$1,338

Amount

$50,000

Headline rate

5.35%p.a.

Effective rate

5.35%p.a.

$50,000

5.35%

$1,338

Details

6-month return

$1,338

1-product split

Account

Put here

Advertised rate

Effective rate

Return

ubank

Save account

Est. return

$1,338

Amount

$50,000

Headline rate

5.60%p.a.

Effective rate

5.35%p.a.

$50,000

5.60%

5.35%

$1,338

Details

6-month return

$1,292

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Bankwest

Bankwest Easy Saver

Est. return

$1,292

Amount

$50,000

Headline rate

5.50%p.a.

Effective rate

5.17%p.a.

$50,000

5.50%

5.17%

$1,292

Details

6-month return

$1,275

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

St George

Maxi Saver

Est. return

$1,275

Amount

$50,000

Headline rate

5.10%p.a.

Effective rate

5.10%p.a.

$50,000

5.10%

$1,275

Details

6-month return

$1,271

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Rabobank

High Interest Savings Account

Est. return

$1,271

Amount

$50,000

Headline rate

5.65%p.a.

Effective rate

5.08%p.a.

$50,000

5.65%

5.08%

$1,271

Details

6-month return

$688

1-product split

Account

Put here

Advertised rate

Effective rate

Return

MOVE Bank

Growth Saver

Est. return

$688

Amount

$50,000

Headline rate

5.40%p.a.

Effective rate

2.75%p.a.

$50,000

5.40%

2.75%

$688

Details

6-month return

$513

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

ANZ Plus

ANZ Plus Flex Saver

Est. return

$513

Amount

$50,000

Headline rate

4.75%p.a.

Effective rate

2.05%p.a.

$50,000

4.75%

2.05%

$513

Details

Calculator

Check your own setup in the calculator

Start from this guide, then change the amount, age, or time frame to match your own setup.

Check your own setup in the calculator