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Our trading hours are changing over the festive season. The RaboDirect Contact Centre will be open to assist you from 8am to 5.30pm Eastern Standard Time on business days between the 23rd of December and 31st December inclusive, excluding all national public holidays. We will be returning to our standard operating hours from the first business day in the new year, operating from 8am to 7pm Eastern Standard Times on weekdays.
RaboDirect
 

PremiumSaver

Create a rewarding savings habit

Open a premiumsaver

  • Stay on track with motivation to reach your savings goals
  • Flexibility to access your funds throughout the month
  • Increase your balance by $200 (or $2,000 for business accounts) each month to earn the maximum interest#
  • Simplify your saving habits with an automated Regular Savings Plan.
  • No need to change your everyday banking

#Maximum rates apply when your closing balance on the last business day of the month is at least $200 higher (or $2,000 for business accounts) than it was at the beginning of the first day of the month (excluding interest earned).
Smart Investor Online Bank of the Year 2015 Mozo Experts Choice 2016 - Base rate savings account
No account keeping fees No account keeping fees 
No minimum balance No minimum balance  
Interest paid monthly Interest paid monthly 
Access your money online or with our mobile app Online and mobile banking  
Your savings are protected by the Australian Government Guarantee Your first $250,000 is protected by the Australian Government guarantee^  
^ The guarantee protects the first $250,000 of all deposits held with Rabobank.


Earn up to

2.55% p.a.*

Max. variable rate on balances up to $250,000.

OPEN A PREMIUMSAVER


Existing customers can login and simply add a PremiumSaver to their savings portfolio.

LOGIN See all our rates for personal

*Interest rates displayed are maximum rates. For minimum rates, please refer to the rates link above. Maximum rates apply when your closing balance on the last day of the month is at least $200 higher than it was at the beginning of the first day of the month (excluding interest earned).

PremiumSaver maximum rates

Balance
Interest rate (% p.a.)

Up to $250,000
2.55%

$250,001 to $1,000,000
2.40%

Over $1,000,000
2.20%

Information last updated on 11/8/2016

Earn up to

2.00% p.a.*

Max. variable rate on balances up to $250,000.

OPEN A PREMIUMSAVER


Existing customers can login and simply add a PremiumSaver to their savings portfolio.

LOGIN See all our rates for business

*Interest rates displayed are maximum rates. For minimum rates, please refer to the rates link above. Maximum rates apply when your closing balance on the last day of the month is at least $2000 higher than it was at the beginning of the first day of the month (excluding interest earned).

PremiumSaver maximum rates

Balance
Interest rate (% p.a.)

Up to $250,000
2.00%

$250,001 to $1,000,000
1.95%

Over $1,000,000
1.90%

Information last updated on 11/8/2016

Earn up to

2.20% p.a.*

Max. variable rate on balances up to $250,000.

OPEN A PREMIUMSAVER


Existing customers can login and simply add a PremiumSaver to their savings portfolio.

LOGIN See all our rates for SMSF & trust

*Interest rates displayed are maximum rates. For minimum rates, please refer to the rates link above. Maximum rates apply when your closing balance on the last day of the month is at least $200 higher than it was at the beginning of the first day of the month (excluding interest earned).

PremiumSaver maximum rates

Balance
Interest rate (% p.a.)

Up to $250,000
2.20%

$250,001 to $1,000,000
2.10%

Over $1,000,000
2.10%

Information last updated on 11/8/2016


RaboDirect’s 2016 Financial Health Barometer reveals that very few people are aware that it takes 1000 litres of water to bring a meal to your table.

By the year 2050, the way we produce food globally will no longer be sustainable. Find out how you can save.

DOWNLOAD THE REPORT

SearchCampaign PS 1000litter water for meal

Make a savings habit with a PremiumSaver

When you open a new RaboDirect account, you'll also automatically get a High Interest Savings Account in your savings portfolio, ready when you need it.

Apply online

1. Apply using our
online form
Link your bank account

2. Link your
everyday account
Download our mobile app

3. Get our mobile banking app
Start saving

4. Start your
savings plan

Apply now

The most commonly asked questions

What is a PremiumSaver Account?

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If you're a regular saver, our PremiumSaver Account is perfect for you. Just increase your net balance by at least $200 (or $2000 if you have a business account) excluding interest before the last business day of every month and you'll earn the higher variable interest rate.

What if I don't contribute to my PremiumSaver Account?

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You'll still receive interest, however it'll be at the lower Premium Saver rate. For current interest rates, click here.

Are there any account keeping fees?

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No, RaboDirect does not charge any account fees on any savings accounts or Term Deposits. 

Can the interest rate change?

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Yes, interest rates offered on our High Interest Savings Account, Purpose Saver, Notice Saver and PremiumSaver are variable and may change. Our Term Deposits have fixed rates.

We'll always let you know when the interest rates change.

Can I install the app on more than one phone or tablet?

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Yes, you can download and register the RaboDirect Mobile Banking App on up to six devices per account. 

How do I transfer funds into my RaboDirect account?

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You can transfer funds into your High Interest Savings Account (HISA) using the 'Transfer in' feature if you have allowed direct debit authority on your linked account. You can also transfer funds into any of your RaboDirect HISA or PremiumSaver accounts via electronic funds transfer (EFT) from most Australian accounts using your RaboDirect BSB and Account number.

RaboDirect Financial Health Barometer 2016 Report

2016 Food and Farming Report

A great way to reduce your household food wastage and save money.

Learn More
RaboDirect Financial Health Barometer 2016 - Infographic header

How to start a savings plan

Every year, Australians scrape $10 billion off their plates into the garbage. We’re not only wasting food but the resources that went into producing that food and the hard earned dollars used to pay for the goods. That’s the bad news. The good news?

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A healthier wealthier you

A healthier and wealthier you in 2016

With a new year, comes a fresh start. It's a chance to reflect on how far you've come and what you hope to accomplish next, whether it's a healthier or wealthier you, or maybe both.

Learn More