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SMSF Savings

Our range of savings accounts and term deposits offer competitive interest rates helping you to reach your savings and retirement goals.

What is an SMSF?

An SMSF or self-managed super fund is a private superannuation fund, regulated by the Australian Taxation Office (ATO) that you manage yourself, giving you more flexibility and control over your retirement savings.

What are the benefits of choosing an SMSF?

The main benefit of an SMSF is that it puts you in the driver’s seat. You can choose where and how you want to invest your superannuation providing you with more options and control.

Start saving with RaboDirect

RaboDirect offer a range of savings accounts and term deposits, which are available to SMSF customers.

High Interest Savings Account

High Interest Savings AccountUp to
2.70% p.a.^

Gets you the most out of every dollar you save without changing your everyday bank.

Learn more


PremiumSaverUp to
2.15% p.a.*

Gives you a higher rate of interest just for increasing your balance by at least $200 each month*.

Learn more

Notice Saver

Notice Saver90 Day Notice Saver up to
2.40% p.a.

Ideal when you don't need instant access to your savings and want to stay focused on your goals.

Learn more

Term Deposits

Notice Saver5 year term up to
3.40% p.a.+

Gives you a guaranteed return on your savings and you can start from as little as $1,000.

Learn more

^Current 4 month introductory variable rate for new SMSF customers on deposits up to $250,000. Rate subject to change.
*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). +Early termination fees apply.
Grow your SMSF balance today with our 2.70%* p.a. High Interest Savings Account.
*4 month introductory variable rate applicable to new customers on our High Interest Savings Account on balances up to $250,000.

Why choose to invest your super contributions with us?

Some of the great benefits include:
  • Competitive savings and term deposit accounts
  • Control over your super investments
  • Strong online banking security
  • No account keeping fees
  • Support Australian farmers and the agricultural industry

How does RaboDirect support Australian farmers?

Saving with RaboDirect not only helps you achieve your savings goals,
you’re also helping Aussie farmers grow. That’s because 100% of your
deposits with RaboDirect are used to support local farmers to bring food
to our tables. 

Learn more here. 

We're straight talking

We won’t wrap things up in financial or legal jargon and if we change anything, including our rates we’ll always tell you.

We're competitive

We’re only online, so we have fewer overheads, which means we can offer competitive rates and won’t charge you account keeping fees.


We're human

Our Customer Service Centre is operated by real people, based in Sydney, Australia.

Like to look around before you ask for help? We also have an online Help Centre to answer your questions.

The most commonly asked questions

Are there any account keeping fees?


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

Can I certify my own documents?


We require document certification to be done by an authorised third-party.

Even if you are an authorised certifier yourself, we will still require a third party to certify your documents for you. A list of authorised certifiers is provided above and on page 1 of your printed application form.

How secure is my RaboDirect account?


RaboDirect is committed to keeping your money and identity secure. This is why all our customers get a free Digipass. The Digipass provides leading online banking security and is much safer than a simple username and password. It randomly generates single-use security access codes for logging in and authorising transactions.

We take pride in our excellent security record and we are very careful to maintain it. Now you can bank online with complete peace of mind.

Secure connection
If you login to the secure site, a secure connection is made between your computer and our computer. Always at first check if the url in the browser address bar exactly matches Nothing else other than may appear between the opening and closing “/”

A secure connection provides that any data transaction is encrypted with a key only known by the computers involved - like messages that are being sent by sealed envelopes.