Unity Bank Bonus Saver Account Summary
Description
Earn bonus interest on your savings if you deposit a minimum of $100 each month, make no withdrawals or transfers in the month, and do not close the account during the month.
Benefits
- No upper balance cap in the reviewed ongoing pricing.
Hoops
- Monthly savings-account fee of $5.
- For bonus interest, deposit at least $100 each month. Check the full requirements below.
- Withdrawals can forfeit bonus interest.
On this page
Details
Key details
| Product name | Unity Bank Bonus Saver Account |
|---|---|
| Maximum variable rate | 4.60% p.a. |
| Ongoing interest rate | 4.60% p.a. |
| Base interest rate | 0.10% p.a. |
| Minimum age | - |
Source: noren.com.au
All comparison details
| Base | 0.10% |
|---|---|
| Ongoing | 4.60% |
| Ongoing cap | No cap |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 1 |
| Dep $/mth | $100 |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | 0 |
| Min age | - |
| Max age | - |
| Fee/mth | $5 |
Source: noren.com.au
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 0.10% p.a., before bonus interest.
- Ongoing: 4.60% p.a. when bonus conditions are met. No upper cap.
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.10% | Whole balance | All balances |
| Ongoing total, conditions met | 4.60% | Whole balance | All balances |
Source: noren.com.au
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Requirements
- Interest calculated daily and paid monthly.
- Deposit at least $100 during the calendar month, make no withdrawals or transfers out, and do not close the account during the month, otherwise base only. The exact source P1D application-frequency artefact is superseded by current monthly-payment terms.
- Standard $5 membership-level monthly fee, debited to the primary account, not once per savings product. Waivers include qualifying membership age/tenure or combined balances maintained throughout the month, current $25,000 balance alone does not prove a waiver. Product page states $5,000 minimum, full terms say over $5,000, so exact waiver boundary is not inferred.
- Qualification timing: Requirements are assessed in the current month. Check the settlement deadlines and exclusions in the requirements.
Fees
- Monthly account fee: $5
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with Unity Bank.
- PERMANENT RESIDENT: You must be an Australian citizen or permanent resident
- Individual applicants only
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Sources & review
Noren aggregates information from multiple primary sources to ensure you're getting the most up-to-date, accurate information. All product information is peer reviewed.
Collected and verified on 31 Oct 2026.