Account Interest Rates



Competitive accounts

Looking for competitive interest rates? Our savings and term deposit interest rates are competitive with the big four banks.

We offer a wide range of bank accounts including transaction accounts for everyday banking, savings accounts to help you save faster, term deposits with higher savings interest rates and kids’ accounts for our youngest customers.

We believe in prosperity for the many, not the few. Beyond Bank is a mutual bank, which means we don’t serve share market investors. Instead, we offer you low fees, lower lending rates, high investment rates, better banking products and support for community projects. Join the bank that gives back.
 

Save. Grow. Invest



Call us on 13 25 85 | Visit us

Savings Accounts


Community Reward Account

You do the saving – we do the giving.

Community Reward Account ($) Rate p.a.
0-4,999 1.00%
5,000-199,999 1.30%
200,000+ 1.40%
Interest is calculated daily on the whole balance and paid monthly. Interest rates are subject to change without notice.

Bonus Saver

Saving for something special?

Bonus Saver Account ($) Rate p.a.
  No bonus With bonus
0-4,999 0.01% 1.00%
5,000-19,999 0.01% 1.80%
20,000+ 0.01% 2.00%
Interest is calculated daily on the whole balance and paid monthly. Interest rates are subject to change without notice.

Christmas Club Account

Christmas gifts, end-of-year parties, summer holidays… they all add up.

Christmas Club Account ($) Rate p.a.
All Balances 0.75%
Interest is calculated daily on the whole balance and paid annually on 31 October. Interest rates are subject to change without notice.

monEsaver Account

Maximise your earnings with easy access to your money.

monEsaver Account ($) Rate p.a.
0-4,999 0.01%
5,000-199,999 1.70%
200,000+ 2.00%
Interest is calculated daily on the whole balance and paid monthly. Interest rates are subject to change without notice.

Transaction Accounts



Retirement Account

Know you’re being looked after with a Retirement Account from Beyond Bank.

 

Retirement Account ($) Rate p.a.
0-4,999 0.25%
5,000-48,599 1.00%
48,600-199,999 2.00%
200,000+ 2.00%
Interest is calculated daily on portions of the balance and paid monthly. Interest rates are subject to change without notice.

Community Account

Fee free transactions & great rates!

Cash Management & Community Account ($) Rate p.a.
0-4,999 0.01%
5,000-19,999 0.25%
20,000-49,999 0.60%
50,000-99,999 0.80%
100,000-199,000 1.00%
200,000+ 1.20%
Interest is calculated daily on the whole balance and paid monthly. Cash Management Account minimum opening deposit is $1000. Interest rates are subject to change without notice.

Youth Accounts


Youth Community Reward Account

Want to help your local community – but don’t have enough spare cash?

Community Reward Account ($) Rate p.a.
0-4,999 1.00%
5,000-199,999 1.30%
200,000+ 1.40%
Interest is calculated daily on the whole balance and paid monthly. Interest rates are subject to change without notice.

Youth Bonus Saver Account

High interest rate and fee-free banking, it’s the perfect way to start your child saving.

Bonus Saver Account ($) Rate p.a.
  No bonus With bonus
0-4,999 0.01% 1.00%
5,000-19,999 0.01% 1.80%
20,000+ 0.01% 2.00%
Interest is calculated daily on the whole balance and paid monthly. Interest rates are subject to change without notice.

Junior Saver Account

Teach your child how to save money and they’ll learn the lesson for life.

Junior Saver Account ($) Rate p.a.
All Balances 1.80%
Interest is calculated daily on the whole balance and paid annually on 31 May. Interest rates are subject to change without notice.

BU Account

Need somewhere to stash your cash?

BU Saver Account ($) Rate p.a.
All Balances 1.80%
Interest is calculated daily on the whole balance and paid quarterly on 31 March, 30 June, 30 September, 31 December. Interest rates are subject to change without notice.

Current as at 27 November 2018.

Interest rates are subject to change without notice. Full terms, conditions, fees and charges are available in our Product Guide, Fees and Charges booklets and supplemental terms applicable to the accounts which are available on request. This information will be provided to you when you open an account. Before acquiring an account, you should consider whether the product is appropriate for you.

To view all of our interest rates view our Interest rate schedule for Savings and Term Deposits.

Government Guaranteed Deposits:

Account holders may be covered by the Commonwealth Government's Financial Claims Scheme. Deposits are subject to a limit. For more information on the Financial Claims Scheme, please visit the FCS website.

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For the security of your accounts, Internet Banking no longer supports Internet Explorer 8 or earlier versions.

As you may know, Microsoft recently made the decision to discontinue its support of Internet Explorer 8 (IE8). This leaves users exposed to potential security risks. As a result, Beyond Bank's Internet Banking will no longer support Internet Explorer 8 or earlier versions. Going forward, Beyond Bank will support Internet Explorer 9 or later to ensure the security of your accounts.

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