Best savings accounts for $200k over 12 months

This guide looks at what a 30-year-old saver might see with $200,000 over 12 months, including accounts with standard monthly conditions.

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

$10,700

1-product split

Account

Put here

Advertised rate

Effective rate

Return

Judo Bank

Personal Savings Account

Est. return

$10,700

Amount

$200,000

Headline rate

5.35%p.a.

Effective rate

5.35%p.a.

$200,000

5.35%

$10,700

Details

1-year return

$10,300

1-product split

Account

Put here

Advertised rate

Effective rate

Return

Rabobank

PremiumSaver

Est. return

$10,300

Amount

$200,000

Headline rate

5.15%p.a.

Effective rate

5.15%p.a.

$200,000

5.15%

$10,300

Details

1-year return

$10,200

1-product split

Account

Put here

Advertised rate

Effective rate

Return

ubank

Save account

Est. return

$10,200

Amount

$200,000

Headline rate

5.60%p.a.

Effective rate

5.10%p.a.

$200,000

5.60%

5.10%

$10,200

Details

1-year return

$10,200

1-product split

Account

Put here

Advertised rate

Effective rate

Return

Up Saver (Grow)

Est. return

$10,200

Amount

$200,000

Headline rate

5.10%p.a.

Effective rate

5.10%p.a.

$200,000

5.10%

$10,200

Details

1-year return

$9,900

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

ING

Savings Accelerator

Est. return

$9,900

Amount

$200,000

Headline rate

5.65%p.a.

Effective rate

4.95%p.a.

$200,000

5.65%

4.95%

$9,900

Details

1-year return

$9,733

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

Macquarie

Macquarie Savings Account

Est. return

$9,733

Amount

$200,000

Headline rate

5.10%p.a.

Effective rate

4.87%p.a.

$200,000

5.10%

4.87%

$9,733

Details

1-year return

$9,700

No fuss1-product split

Account

Put here

Advertised rate

Effective rate

Return

AMP

GO Save

Est. return

$9,700

Amount

$200,000

Headline rate

4.85%p.a.

Effective rate

4.85%p.a.

$200,000

4.85%

$9,700

Details

1-year return

$6,950

1-product split

Account

Put here

Advertised rate

Effective rate

Return

BOQ

Future Saver Account

Est. return

$6,950

Amount

$200,000

Headline rate

5.35%p.a.

Effective rate

3.48%p.a.

$200,000

5.35%

3.48%

$6,950

Details

1-year return

$5,260

1-product split

Account

Put here

Advertised rate

Effective rate

Return

ING

Savings Maximiser

Est. return

$5,260

Amount

$200,000

Headline rate

5.25%p.a.

Effective rate

2.63%p.a.

$200,000

5.25%

2.63%

$5,260

Details

1-year return

$1,525

1-product split

Account

Put here

Advertised rate

Effective rate

Return

MOVE Bank

Growth Saver

Est. return

$1,525

Amount

$200,000

Headline rate

5.40%p.a.

Effective rate

0.76%p.a.

$200,000

5.40%

0.76%

$1,525

Details

Calculator

Check your own setup in the calculator

Start from this guide, then change the amount, age, or time frame to match your own setup.

Check your own setup in the calculator