Savings account
Up Saver
Current savings rate from Up. Compare the ongoing rate, bonus conditions, introductory offers, and eligibility in one place.
Make 5 or more card purchases from your Up Everyday Account each month and make no withdrawals from that Saver during the month. No minimum deposit required.
+2.0% — Earn a total 2.00% on any eligible Saver you withdraw from during the month, when you make 5 or more eligible card purchases from your Everyday Account. +2.0% — This rate applies to the portion of your combined Saver balances above $250,000, when no withdrawals are made during the month and you make 5 or more eligible card purchases from your Everyday Account.
Rate History
The Up Saver rate has changed 1 time since we started tracking on 22 May 2026. Current rate: 3.35% p.a. — High: 5.35%, Low: 3.35%.
| From | To | Ongoing rate p.a. |
|---|---|---|
| 19 Jun 2026 | — | 3.35% Current |
| 22 May 2026 | 19 Jun 2026 | 5.35% |
What to know
This page focuses on the ongoing rate: 3.35% p.a. That is the rate after any honeymoon period ends.
To earn the full rate, you need to meet these conditions: Make 5 or more card purchases from your Up Everyday Account each month and make no withdrawals from that Saver during the month. No minimum deposit required.
If you miss the conditions in a given month, you earn only the base rate: 0.00% p.a.
Most common catch: +2.0% — Earn a total 2.00% on any eligible Saver you withdraw from during the month, when you make 5 or more eligible card purchases from your Everyday Account. +2.0% — This rate applies to the portion of your combined Saver balances above $250,000, when no withdrawals are made during the month and you make 5 or more eligible card purchases from your Everyday Account.
Eligibility: minimum age 16 .
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The information on this page is general in nature and does not constitute financial advice. Rates are subject to change — verify directly with the provider before making a financial decision.