Virgin Money Boost Saver + Lock: Rate Up to 5.80% (5.30% + 0.5% Lock)
Virgin Money's Boost Saver interest rate has risen to 5.80% (5.30% base + 0.5% Lock bonus). You need to deposit $1,000 per month and make 5 transactions; Locked funds require 32 days' notice to withdraw. Good for those who can meet the conditions and don't need quick access to savings.
Original title
Virgin Money Boost Saver + Lock: Now at 5.80% Interest Rate (5.30% + 0.5% Lock Add-on)
Quick take
- Can deposit $1K and make 5 transactions monthly
- Can lock funds without needing quick access
- Needs immediate access to savings
- Prefers no monthly account conditions
- 5.80% beats most high-interest savings accounts
- Lock adds term-deposit-like extra yield
- 32-day notice to withdraw Locked funds
- Missing conditions may lose bonus rate
- Price
- Reward offer
- Value per hour
- $0
Locked funds are illiquid with a 32-day withdrawal period, which is inconvenient in emergencies.
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
- 1Go to Virgin Money's website or app and sign in or open a Boost Saver account.
- 2Deposit at least $1,000 into your linked Go Account (transaction account) each month.
- 3Make at least 5 transactions per month using debit card, direct debit, or BPAY.
- 4Enable Lock on part or all of your Boost Saver balance to earn the extra 0.5%.
- 5To access Locked funds, submit a withdrawal request and wait 32 days for the money to arrive.
Conditions
- Deposit $1,000 and complete 5 transactions monthly to earn the full rate.
- Locked funds are unavailable for 32 days after a withdrawal request.
- Rates are subject to change at the bank's discretion.
Risks
- CautionLocked funds are illiquid with a 32-day withdrawal period, which is inconvenient in emergencies.
- NoteID verification required. Only submit documents in the official app or website.
- NoteNo end date given. The price or offer could end at any time.
- NoteIf monthly conditions are not met, the rate may drop to base or lower.
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