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Rates and fees

  • 0.50

    current variable base interest rate

  • 2.60

    current variable bonus interest rate

  • 3.10

    current NAB Reward Saver interest rate

More rates and fees information

Benefits and features

Grow savings faster

  • Don’t worry—even if you withdraw your savings you still get the base interest rate.
  • Earn interest on every dollar in your account.

Watch it grow

  • Keep track of your savings progress with a graphed quarterly statement.
  • Link your savings account in NAB Money Tracker to set up a savings plan.

Open your account with any amount

  • There’s no minimum opening balance.

Access your savings when you’re ready

  • NAB Internet Banking.
  • NAB Telephone Banking (13 22 65 from 8am - 7pm Mon-Fri, or 9am - 6pm on weekends (AEST/AEDT).
  • any NAB branch.

Before you apply

You need to be 18 or over to apply online.

It takes 10 minutes to complete.

Have your tax file number (TFN) handy or we may have to collect withholding tax.

Existing customer? You'll need your NAB ID.

Important information

1 To earn the bonus interest, you must make no withdrawals and at least one deposit in the month (we need to receive the deposit on or before the second-to-last banking day of the month.)

If you earn bonus interest, we calculate it using your daily closing balance throughout the month.

Personal Transaction and Savings Products Terms and Conditions (PDF, 503KB)

Personal banking fees – A guide to fees and charges (PDF, 338KB)

Indicator rates – deposit products

Apply now for your reward saver account

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Mon-Fri 8am - 7pm (AEST/ADST)
Sat-Sun 9am - 6pm (AEST/ADST)