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  • Calculators
    and rates

    We’ve compiled just what you need to make an informed decision about your banking.

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.

 

InstitutionProductMaximum Interest rate p.a.Standard Variable rate p.a.
UBankUSaver1.81%1.81%
UBankUSaver with Ultra2.87%1.81%
UBankUSaver Reach *2.31%2.31%
ANZOnline Saver2.55%1.00%
BankwestSmart eSaver2.10%0.01%
BankwestTeleNet Saver2.75%1.50%
BOQWebSavings Account0.01%0.01%
CitiOnline Saver2.85%1.70%
Commonwealth BankNetBank Saver2.50%1.00%
INGSavings Maximiser2.80%1.50%
NABiSaver1.90%1.20%
RaboDirectHigh Interest Savings Account3.05%1.90%
Suncorp BankEveryday Options Sub-account2.80%1.65%
WestpaceSaver2.51%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

 

 

Institution1 month3 months4 months6 months9 months12 months
UBank - standard rate1.90%2.60%2.61%2.71%2.71%2.71%
UBank - with loyalty bonus2.00%2.70%2.71%2.81%2.81%2.81%
ANZ1.70%2.05%2.00%2.10%2.70%2.40%
Bankwest1.50%1.50%2.35%1.50%1.50%2.55%
Commonwealth Bank1.50%2.00%1.75%1.75%1.80%2.20%
CUA1.50%2.10%2.40%2.50%2.30%2.50%
HSBC1.55%2.00%1.65%2.05%1.65%1.95%
ING-2.00%2.30%2.50%2.55%2.60%
Macquarie Bank1.60%2.25%2.10%2.30%2.15%2.35%
ME2.00%2.50%2.55%2.65%2.75%2.80%
NAB1.50%2.10%2.00%2.10%2.00%2.40%
St.George Bank1.50%2.10%1.85%2.20%1.90%2.55%
Suncorp Bank1.55%2.20%2.10%2.25%2.30%2.35%
Westpac1.50%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

 

Terms & conditions

 

 

InstitutionProductMaximum interest rate p.a.Standard Variable rate p.a.
UBankUSaver SMSF2.06%1.66%
ANZBusiness Online Saver1.15%0.50%
BankwestBusiness Telenet Saver Account1.10%1.10%
BOQBusiness WebSavings Account2.00%1.25%
CitiUltimate Business Saver1.65%1.65%
Commonwealth BankBusiness Online Saver0.60%0.60%
INGBusiness Optimiser2.40%1.50%
NABBusiness Cash Maximiser0.60%0.60%
RaboDirectHigh Interest Savings - SMSF2.70%1.90%
Suncorp BankBusiness Saver Account1.65%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

 

 

Institution1 month3 months4 months6 months9 months12 months
UBank - standard rate1.90%2.60%2.61%2.71%2.71%2.71%
UBank - with Loyalty Bonus2.00%2.70%2.71%2.81%2.81%2.81%
ANZ1.70%2.05%2.00%2.10%2.70%2.40%
Bankwest1.50%1.50%2.35%1.50%1.50%2.55%
Commonwealth Bank1.50%2.00%1.75%1.75%1.80%2.20%
CUA1.50%2.10%2.40%2.50%2.30%2.50%
HSBC1.55%2.00%1.65%2.05%1.65%1.95%
INGn/a2.00%2.30%2.50%2.55%2.60%
Macquarie Bank1.60%2.25%2.10%2.30%2.15%2.35%
ME2.00%2.50%2.55%2.65%2.75%2.80%
NAB1.50%2.10%2.00%2.10%2.00%2.40%
St.George Bank1.50%2.10%1.85%2.20%1.90%2.55%
Suncorp Bank1.55%2.20%2.10%2.25%2.30%2.35%
Westpac1.50%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?