Updated 22 August 2026 — rates from CDR APIs
Compare Australian Savings Accounts
Side-by-side comparisons of the most commonly compared Australian savings accounts — current rates, conditions, balance caps, and the maths on which account pays more. All rates updated daily from bank APIs.
Comparison
ING vs Rabobank
Savings Maximiser vs PremiumSaver
ING
5.50%
3 conditions · $100k cap
Rabobank
5.40%
1 condition · $250k cap
A 0.10% rate gap — worth it if you can reliably meet three conditions, not worth it if you can't.
Comparison
ING vs Macquarie
Savings Maximiser vs Macquarie Savings Account
ING
5.50%
3 conditions · $100k cap
Macquarie
5.00%
No conditions · No cap
A 0.50% rate gap — the largest in the market. Miss conditions twice a year and Macquarie pays more.
Comparison
Bankwest vs ING
Hero Saver vs Savings Accelerator
Bankwest
5.10%
1 condition · $250k cap
ING
4.80%
No conditions · $2m cap
Bankwest pays more if your balance grows every month. ING pays a flat rate with zero admin either way.
More comparisons coming — Rabobank vs Macquarie, ING vs UBank, and others.