Ubank Savings Account: 6.10% p.a. for New Customers (Up to $1M, Monthly Balance Growth Required)
From 6 October 2026, Ubank is increasing its savings rates. New customers who meet the 'monthly balance growth' requirement will earn a Welcome Bonus Rate of 6.10% p.a. for the first 4 months. The standard Everyday Bonus Rate increases to 5.35% p.a. This applies to balances up to $1,000,000. Note: You must increase your balance every month to qualify for these bonus rates.
Original title
Save Account: 6.10% p.a. Interest for 4 Months on up to $1,000,000 (New Customers Only, $1/Month Balance Grow Required)
Quick take
- Depositors with regular income inflows who can consistently add to their savings
- Users seeking higher short-term returns than major banks
- Those parking a lump sum without adding more money later
- Existing Ubank customers
Nothing in particular
- Price
- You pay $1
- Value per hour
- $0
Failing to grow the balance in any month results in losing the high interest rate for that period.
See all risk notes ↓Fill in your profile and we'll tell you whether you can do this (state, visa status, banks, memberships).
Set up my profile →How to do it
- 1Ensure you are a new customer (no previous or recently closed Ubank savings account).
- 2Open a Savings Account via the Ubank app or website.
- 3Deposit funds and ensure your end-of-month balance is higher than the previous month's end-of-month balance.
- 4Receive 6.10% p.a. for the first 4 months if conditions are met; subsequently, the rate drops to 5.35% p.a. provided balance growth continues.
Conditions
- New customers only.
- Welcome rate applies for the first 4 months only.
- Strict 'Monthly Balance Growth' condition: If your balance does not increase in any given month, you may lose eligibility for the bonus rate and revert to the base rate.
- Effective from 6 October 2026.
Risks
- CautionFailing to grow the balance in any month results in losing the high interest rate for that period.
- NoteOnly available in NSW / VIC / QLD / WA / SA / TAS / NT / ACT.
- NoteNo end date given. The price or offer could end at any time.
- NoteDefinition of 'new customer' may exclude those who had an account previously.
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