Calculators
and rates
We’ve compiled just what you need to make an informed decision about your banking.
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Calculators
01
Calculators
Use our range of banking calculators to help you decide how best to maximise your money.
Enter in your savings target and the amount you will regularly contribute to find out when you can expect to reach your goal.
Enter in your savings target and the amount you will regularly contribute to find out when you can expect to reach your goal.
Enter your initial investment to see what you could earn.
Find out how much you can save for retirement with UBank’s DIY Super accounts.
Find out how much you can save for retirement with UBank’s DIY Super accounts.
02
Rates
Our rates are highly competitive.
| Institution | Product | Maximum Interest rate p.a. | Standard Variable rate p.a. |
|---|---|---|---|
| UBank | USaver | 1.81% | 1.81% |
| UBank | USaver with Ultra | 2.87% | 1.81% |
| UBank | USaver Reach * | 2.31% | 2.31% |
| ANZ | Online Saver | 2.55% | 1.00% |
| Bankwest | Smart eSaver | 2.10% | 0.01% |
| Bankwest | TeleNet Saver | 2.75% | 1.50% |
| BOQ | WebSavings Account | 0.01% | 0.01% |
| Citi | Online Saver | 2.85% | 1.70% |
| Commonwealth Bank | NetBank Saver | 2.50% | 1.00% |
| ING | Savings Maximiser | 2.80% | 1.50% |
| NAB | iSaver | 1.90% | 1.20% |
| RaboDirect | High Interest Savings Account | 3.05% | 1.90% |
| Suncorp Bank | Everyday Options Sub-account | 2.80% | 1.65% |
| Westpac | eSaver | 2.51% | 1.00% |
Information accurate as at 20 August 2017. Source: CANSTAR
Note: Some rates displayed may include promotional/bonus rates. Competitor rates shown are as notified to CANSTAR during the previous business day.
Rates shown above are the nominal interest rates for amounts of $1,000. Interest is generally calculated daily and payable monthly, however, this may vary from institution to institution.
The USaver with Ultra maximum interest rate includes the Ultra Bonus rate. To be eligible to receive the bonus rate you must first hold an USaver account & Ultra account, have deposited at least $200 to your USaver or Ultra account from an external source in the previous month and maintain a total balance of not more than $200,000 across all of your USavers / USaver Ultra (inclusive of all joint accounts).
* To open a USaver Reach you must be between 18 and 29 years old. Interest is only earned on amounts up to $5,000. Any amount in excess of $5,000 does not earn interest.
The maximum interest rate of other financial institutions may include introductory rates that apply for a certain period of time and bonus rates (such as loyalty or savings bonuses) that apply after satisfying certain criteria. For terms and conditions of introductory and bonus rates, refer to each provider's websites.
Financial data provided by Canstar Research Pty. Ltd. AFSL and Australian Credit Licence 437917. See Canstar's FSG & Credit Guide
| Institution | 1 month | 3 months | 4 months | 6 months | 9 months | 12 months |
|---|---|---|---|---|---|---|
| UBank - standard rate | 1.90% | 2.60% | 2.61% | 2.71% | 2.71% | 2.71% |
| UBank - with loyalty bonus | 2.00% | 2.70% | 2.71% | 2.81% | 2.81% | 2.81% |
| ANZ | 1.70% | 2.05% | 2.00% | 2.10% | 2.70% | 2.40% |
| Bankwest | 1.50% | 1.50% | 2.35% | 1.50% | 1.50% | 2.55% |
| Commonwealth Bank | 1.50% | 2.00% | 1.75% | 1.75% | 1.80% | 2.20% |
| CUA | 1.50% | 2.10% | 2.40% | 2.50% | 2.30% | 2.50% |
| HSBC | 1.55% | 2.00% | 1.65% | 2.05% | 1.65% | 1.95% |
| ING | - | 2.00% | 2.30% | 2.50% | 2.55% | 2.60% |
| Macquarie Bank | 1.60% | 2.25% | 2.10% | 2.30% | 2.15% | 2.35% |
| ME | 2.00% | 2.50% | 2.55% | 2.65% | 2.75% | 2.80% |
| NAB | 1.50% | 2.10% | 2.00% | 2.10% | 2.00% | 2.40% |
| St.George Bank | 1.50% | 2.10% | 1.85% | 2.20% | 1.90% | 2.55% |
| Suncorp Bank | 1.55% | 2.20% | 2.10% | 2.25% | 2.30% | 2.35% |
| Westpac | 1.50% | 2.05% | 1.85% | 2.10% | 1.90% | 2.35% |
UBank's 12-month rate is for a Term Deposit with interest paid at maturity. The standard interest rate for our 12-month Term Deposit with interest paid monthly is 2.61% p.a.
Information accurate as at 20 August 2017. Source: CANSTAR
Note: Some rates displayed may include promotional/bonus rates. Competitor rates shown are as notified to CANSTAR during the previous business day.
Financial data provided by Canstar Research Pty. Ltd. AFSL and Australian Credit Licence 437917. See Canstar's FSG & Credit Guide
| Institution | Product | Maximum interest rate p.a. | Standard Variable rate p.a. |
|---|---|---|---|
| UBank | USaver SMSF | 2.06% | 1.66% |
| ANZ | Business Online Saver | 1.15% | 0.50% |
| Bankwest | Business Telenet Saver Account | 1.10% | 1.10% |
| BOQ | Business WebSavings Account | 2.00% | 1.25% |
| Citi | Ultimate Business Saver | 1.65% | 1.65% |
| Commonwealth Bank | Business Online Saver | 0.60% | 0.60% |
| ING | Business Optimiser | 2.40% | 1.50% |
| NAB | Business Cash Maximiser | 0.60% | 0.60% |
| RaboDirect | High Interest Savings - SMSF | 2.70% | 1.90% |
| Suncorp Bank | Business Saver Account | 1.65% | 1.65% |
Information accurate as at 20 August 2017. Source: CANSTAR
Note: Some rates displayed may include promotional/bonus rates. Competitor rates shown are as notified to CANSTAR during the previous business day.
Rates shown above are the nominal interest rates for amounts of $10,000. Interest is generally calculated daily and payable monthly, however, this may vary from institution to institution. This comparison table may include introductory rates.
Financial data provided by Canstar Research Pty. Ltd. AFSL and Australian Credit Licence 437917. See Canstar's FSG & Credit Guide
| Institution | 1 month | 3 months | 4 months | 6 months | 9 months | 12 months |
|---|---|---|---|---|---|---|
| UBank - standard rate | 1.90% | 2.60% | 2.61% | 2.71% | 2.71% | 2.71% |
| UBank - with Loyalty Bonus | 2.00% | 2.70% | 2.71% | 2.81% | 2.81% | 2.81% |
| ANZ | 1.70% | 2.05% | 2.00% | 2.10% | 2.70% | 2.40% |
| Bankwest | 1.50% | 1.50% | 2.35% | 1.50% | 1.50% | 2.55% |
| Commonwealth Bank | 1.50% | 2.00% | 1.75% | 1.75% | 1.80% | 2.20% |
| CUA | 1.50% | 2.10% | 2.40% | 2.50% | 2.30% | 2.50% |
| HSBC | 1.55% | 2.00% | 1.65% | 2.05% | 1.65% | 1.95% |
| ING | n/a | 2.00% | 2.30% | 2.50% | 2.55% | 2.60% |
| Macquarie Bank | 1.60% | 2.25% | 2.10% | 2.30% | 2.15% | 2.35% |
| ME | 2.00% | 2.50% | 2.55% | 2.65% | 2.75% | 2.80% |
| NAB | 1.50% | 2.10% | 2.00% | 2.10% | 2.00% | 2.40% |
| St.George Bank | 1.50% | 2.10% | 1.85% | 2.20% | 1.90% | 2.55% |
| Suncorp Bank | 1.55% | 2.20% | 2.10% | 2.25% | 2.30% | 2.35% |
| Westpac | 1.50% | 2.05% | 1.85% | 2.10% | 1.90% | 2.35% |
UBank's 12-month rate is for a SMSF TD with interest paid at maturity. The standard interest rate for our 12-month SMSF TD with interest paid monthly is 2.61% p.a.
Information accurate as at 20 August 2017. Source: CANSTAR
Note: Some rates displayed may include promotional/bonus rates. Competitor rates shown are as notified to CANSTAR during the previous business day.
Rates shown above are the nominal interest rates for amounts of $10,000. Interest is generally calculated daily and payable monthly, however, this may vary from institution to institution. This comparison table may include introductory rates.
Financial data provided by Canstar Research Pty. Ltd. AFSL and Australian Credit Licence 437917. See Canstar's FSG & Credit Guide
03
Forms
You’ll find the forms you need right here.
Audit request form
This form needs to be completed when requesting an SMSF audit.
Australia Post form
Should you be asked to complete this form, you will need to take it to your local Australia Post Office with your identification documents.
If applying for a home loan, please login to your Application Tracker via My Money and download the form from there. It has already been populated with some of your details and will save you time.
Change personal details form
Fill out this form for changes to your name or date of birth.
Nomination form
This form allows you to nominate one person to receive correspondence on behalf of any other borrower/guarantor.
Personal access form
If you’d like access to your personal information held by UBank, fill out this form.
Need more information?
Or ready to apply?
UHomeLoan info: Govt charges may apply. The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given & may not include all fees & charges. Different terms, fees or other loan amounts might result in a different comparison rate. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.