Best savings accounts for $100k over 12 months

This guide looks at what a 30-year-old saver might see with $100,000 over 12 months, with no-fuss filters turned off.

Best setups for your cash

Projected return over your selected term using current product data. Check the official bank page before acting.

1-year return

$5,363

2-product split

Account

Put here

Advertised rate

Effective rate

Return

Judo Bank

Personal Savings Account

Est. return

$4,013

Amount

$75,000

Headline rate

5.35%p.a.

Effective rate

5.35%p.a.

$75,000

5.35%

$4,013

Details

MOVE Bank

Growth Saver

Est. return

$1,350

Amount

$25,000

Headline rate

5.40%p.a.

Effective rate

5.40%p.a.

$25,000

5.40%

$1,350

Details

1-year return

$5,350

1-product split

Account

Put here

Advertised rate

Effective rate

Return

Judo Bank

Personal Savings Account

Est. return

$5,350

Amount

$100,000

Headline rate

5.35%p.a.

Effective rate

5.35%p.a.

$100,000

5.35%

$5,350

Details

1-year return

$5,250

1-product split

Account

Put here

Advertised rate

Effective rate

Return

ING

Savings Maximiser

Est. return

$5,250

Amount

$100,000

Headline rate

5.25%p.a.

Effective rate

5.25%p.a.

$100,000

5.25%

$5,250

Details

1-year return

$5,150

1-product split

Account

Put here

Advertised rate

Effective rate

Return

Rabobank

PremiumSaver

Est. return

$5,150

Amount

$100,000

Headline rate

5.15%p.a.

Effective rate

5.15%p.a.

$100,000

5.15%

$5,150

Details

1-year return

$5,100

1-product split

Account

Put here

Advertised rate

Effective rate

Return

BCU

Boss Saver + Access Account

Est. return

$5,100

Amount

$100,000

Headline rate

5.10%p.a.

Effective rate

5.10%p.a.

$100,000

5.10%

$5,100

Details

1-year return

$5,100

1-product split

Account

Put here

Advertised rate

Effective rate

Return

P&N

Savvy Saver

Est. return

$5,100

Amount

$100,000

Headline rate

5.10%p.a.

Effective rate

5.10%p.a.

$100,000

5.10%

$5,100

Details

1-year return

$5,100

1-product split

Account

Put here

Advertised rate

Effective rate

Return

ubank

Save account

Est. return

$5,100

Amount

$100,000

Headline rate

5.60%p.a.

Effective rate

5.10%p.a.

$100,000

5.60%

5.10%

$5,100

Details

1-year return

$4,883

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

MyState

Hello Saver account

Est. return

$4,883

Amount

$100,000

Headline rate

5.15%p.a.

Effective rate

4.88%p.a.

$100,000

5.15%

4.88%

$4,883

Details

1-year return

$4,867

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Macquarie

Macquarie Savings Account

Est. return

$4,867

Amount

$100,000

Headline rate

5.10%p.a.

Effective rate

4.87%p.a.

$100,000

5.10%

4.87%

$4,867

Details

1-year return

$4,850

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

AMP

GO Save

Est. return

$4,850

Amount

$100,000

Headline rate

4.85%p.a.

Effective rate

4.85%p.a.

$100,000

4.85%

$4,850

Details

1-year return

$4,100

1-product split

Account

Put here

Advertised rate

Effective rate

Return

BOQ

Future Saver Account

Est. return

$4,100

Amount

$100,000

Headline rate

5.35%p.a.

Effective rate

4.10%p.a.

$100,000

5.35%

4.10%

$4,100

Details

1-year return

$1,425

1-product split

Account

Put here

Advertised rate

Effective rate

Return

MOVE Bank

Growth Saver

Est. return

$1,425

Amount

$100,000

Headline rate

5.40%p.a.

Effective rate

1.43%p.a.

$100,000

5.40%

1.43%

$1,425

Details

Calculator

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