---
title: "Bonus Saver Account — Unity Bank"
description: "Transaction & Savings Accounts from Unity Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/unity-bank/products/S13_BONUS_SAVER_ACCOUNT
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-11T16:48:47.000+10:00
---

# Bonus Saver Account — Unity Bank

> Transaction & Savings Accounts from Unity Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · UNITY BANK**

Earn bonus interest on your savings if you deposit a minimum of $100 each month, make no withdrawals or transfers in the month, and do not close the account during the month.

## At a glance

- **Base rate:** 0.1%
- **Bonus rate:** 4.5% (conditions apply)

## Apply

Applications are handled by the provider: [Apply at Unity Bank](https://www.unity.bank/help/apply-online/apply-for-a-savings-account)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The interest rate that applies to any overdrawn amounts. This is calculated daily and charged monthly.) | 17.5% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (All deposits made to the account receive interest on the balance together with a bonus interest, if these conditions are met: no withdrawals or transfers are made in the month, account not closed during the month and minimum $100 deposit each month by cash, cheque, payroll credit or direct credit.) | 0.1% | — | daily |
| Bonus (All deposits made to the account receive interest on the balance together with a bonus interest, if these conditions are met: no withdrawals or transfers are made in the month, account not closed during the month and minimum $100 deposit each month by cash, cheque, payroll credit or direct credit.) | 4.5% | — | daily |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| MONTHLY_ACCOUNT_FEE — Charged monthly · Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Under 25 years or over 65 years C) Held their membership for less than 3 months D) Have zero VISA debit transactions for the month including ATM, eftpos, paywave, digital wallet, online and phone purchases | Ongoing | $5.00 |
| OUTWARD_RTGS_PAYMENT_FEE — A Processing fee charged when you require funds to be sent straight away | Withdrawal | $30.00 |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE — A processing fee charged when you receive funds through this channel | Deposit | $10.00 |
| QUICKDEBIT_DISHONOUR_FEE — A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you | Transaction | $20.00 |
| TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE — A fee charged for a staff assisted foreign transfer | Transaction | $30.00 |
| TELEGRAPHIC_TRANSFER_-_ONLINE — A fee charged for an online foreign transfer | Transaction | $20.00 |
| TELEGRAPHIC_TRANSFER_-_AUSTRALIAN — A fee charged for an online Australian transfer | Transaction | $50.00 |
| PAPER_STATEMENT_FEE — Charged monthly · A fee charged to cover the cost of producing and sending paper statements | Ongoing | $2.00 |
| DORMANCY_FEE — Charged yearly · A fee charged if your account remains inactive for 7 years, and we will treat your account as dormant. We have a legal obligation to remit dormant balances exceeding $500 to ASIC as unclaimed money | Ongoing | $20.00 |
| FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000 — A processing fee charged when you deposit foreign cheques up to $25,000 | Deposit | $20.00 |
| FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000 — A processing fee charged when you deposit foreign cheques over $25,000 | Deposit | $50.00 |

## Features

- **Unlimited transactions** (Unlimited electronic transactions available on your account)
- **Free transactions** — 9999999999 (Unlimited free electronic transactions available on your account)
- **PayID** (Get faster payments between participating banks, anytime with a Pay ID)
- **Real-time payments (NPP)**
- **Backed by the Government Deposit Guarantee for deposits up to $250,000**
- **Fraud protection** (A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe.)

## Eligibility

- **Residency status** — PERMANENT RESIDENT (You must be an Australian citizen or permanent resident)
- **Individuals only**

## More information from Unity Bank

- [Overview](https://www.unity.bank/savings/savings-accounts/bonus-saver-account/)
- [Terms & conditions](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/)
- [Eligibility](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/)
- [Fees & pricing](https://www.unity.bank/help/rates-fees/)

## Data provenance

- Published by Unity Bank under the Consumer Data Right
- Product ID: `S13_BONUS_SAVER_ACCOUNT`
- Last updated by the provider: 11 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/unity-bank/S13_BONUS_SAVER_ACCOUNT
- Provider page: https://www.cdrcompare.au/brands/unity-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000182

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/unity-bank/products/S13_BONUS_SAVER_ACCOUNT) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)