Where our data comes from, what the numbers mean, and how we stay independent.
Every rate on this site comes directly from Australian banks via their published APIs. Australian banks are legally required to make their product data publicly available — we pull from these sources daily so the numbers stay current.
Rates are updated every day. The date shown on each account page reflects when the rate last changed, not when we last checked.
We sort by ongoing rate — the rate you earn after any honeymoon period ends. This is the number that actually matters for your savings over the long term.
Many banks advertise a higher introductory rate that applies only for the first few months on new accounts. We show intro rates separately where they exist, so you can see exactly what rate you'll drop to once the honeymoon ends.
Sorting by the highest advertised rate — which most comparison sites do — pushes intro-rate accounts to the top and makes ongoing comparisons misleading. We don't do that.
Most high-rate savings accounts pay a bonus rate on top of a lower base rate. To earn the bonus, you typically need to meet monthly conditions — such as making a minimum deposit, not withdrawing, or making card purchases.
We show the conditions for each account in plain English on the account detail page. If you don't meet the conditions in a given month, you earn only the base rate for that month.
A small number of accounts pay their headline rate with no conditions at all. We flag these as no conditions accounts.
We have no referral or affiliate arrangements with any bank currently listed on this site.
The order accounts appear in is determined solely by rate — highest ongoing rate first. No bank can pay to be featured, ranked higher, or promoted. If we ever introduce affiliate links in future, they will be clearly disclosed and will not affect how data is displayed or sorted.
