best rates

Home / Personal savings accounts

Personal savings accounts

Discover the top savings accounts for individuals in Australia

Updated: 01.11.2025

Bonus saver accounts

See a list of the top bonus saver accounts in Australian banks

Christmas club savings accounts

See a list of the top сhristmas saver accounts in Australian banks

First-home savings accounts

List of the top first-home buyer savings accounts in Australian banks

Goal saver accounts

See a list of the top goal saver accounts in Australian banks

High-interest long term savings accounts with no fees

See a list of the top high-interest long term savings account no fees

Notice savings accounts

See a list of the top notice savings accounts in Australian banks

Online savings accounts

See a list of the top online saver accounts in Australian banks

Personal accounts in credit unions

See a list of the top accounts in credit unions

Reward saver accounts

See a list of the top reward saver accounts in Australian banks

Savings accounts for kids and youth

A list of the top child & youth savings accounts in Australian banks

Super savings accounts for pensioners and for retirement

A list of the top super savings accounts for pensioners, retirement

When applying for a personal savings account, first research various banks and financial organizations to find the one that offers the best savings account options for your needs. Consider factors such as interest rates, fees, account features, and any associated benefits.

Ensure you meet the eligibility criteria and prepare the required documents (passport, driver’s license, utility bill, rental agreement, tax file number).

Visit the bank’s website and complete the online application form. You’ll need to upload or provide details of the required documents, or visit a branch of the bank or financial institution with your documents and fill out the application form.

The bank will verify your documents and information. Once approved, the bank will set up your savings account. You will receive account details and instructions on how to access your account.

Deposit funds into your new savings account. You can do this via bank transfer, in-person deposit, or other methods offered by the bank. Set up online banking to manage your account, monitor transactions, and access additional services.