Savings Accounts

Savings accounts that work harder for you. Choose the account that suits your everyday needs and your savings goals.

Savings accounts

Our savings accounts can help you go further. Get great rates and flexible ways to manage your money with ease. 

A happy couple sits in their kitchen on their laptop looking at their savings.

Essential Saver account

Earn more on your money every day with our straightforward savings account. No tricky deposit or withdrawal conditions1. No hassle.

$0 monthly account fee / No minimum balance / No minimum deposit1 / Easy access to your money

Learn more .

A young boy puts a coin in his piggy bank.

Mighty Saver account

Savings made simple for savers under 18 years of age at the time of account opening.

$0 access fee / No minimum balance / Certified responsible investment deposit product

Learn more .

An older couple plays with their granddaughter.

Pension Advantage account

Sensible savings for Australians receiving income from a government pension

$0 access fee / No minimum balance / Avoid and minimise your fees

Learn more .

An older couple shop happily at a market.

Edvest Cash Management account

A classic savings account for those who want easy access to their money.

No minimum balance / Added benefit from Edvest members / $30 p.a. Edvest Membership charge

Learn more .

FAQs

How do I access my Savings account?

We provide flexible and simple banking options, giving you the freedom to bank your way at a time that works for you. Find out more about ways to bank with us.

How secure are my Savings?

Your deposits are protected under the Australian Government Financial Claims Scheme, up to a limit of $250,000 for each account holder at the bank. For further information please refer to the Financial Claims Scheme webpage.

How do I make deposits or withdrawals?

We offer a variety of ways to make transactions. You can deposit or withdraw funds from your savings account through your linked Everyday Direct transaction account via Internet Banking, our Mobile Banking App2, through your Mobile Wallet3 or PayID, in one of our branches, via Australia Post at one of 3,300 Bank@Post outlets or at one of more than 10,000 fee-free ATMs nationwide.

How do I know what Savings account is best for me?

Which Savings account you decide to open will depend on your personal circumstances and preferences. The information we provide is general in nature and does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it, and read the Conditions of Use - Accounts and Access and Fees and Charges and seek professional advice before deciding

Is there a monthly account fee on the Mighty Saver or Essential Saver accounts?

Our Members pay no monthly account, overdraw or electronic transfer fee on their Mighty Saver or Essential Saver accounts. Other fees and charges may apply depending on the type of savings account. Please see our Fees and Charges .

A tick within a shield; representing the promise we make to protect your money and information.

UniBank Security Promise

Our commitment to you

Our Security Promise is your guarantee we are working around the clock to protect you, your identity and your money. This includes repaying money lost to fraud so long as you’ve complied with our terms and conditions and haven’t contributed to the loss.

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