An online savings account that pays you high interest and helps you save for your goals.

4.50% High interest rate (variable) or 5.10% fixed term for 12 months.*

• Unlimited free Suncorp Bank transactions with no monthly account keeping fee
• Option to lock any amount of your money away for a period of time to earn higher interest
• Use as a stand alone savings account; or with one of our everyday accounts to access your day-to-day money
• Unlimited access to deposit funds in branch or make transfers online
• Unlimited access via Phone/Internet Banking
• Government Guarantee on your deposits up to $1 million^
• Rest assured with the 5th largest bank#
• It has never been easier to switch your money on and reach your savings goal.

• Apply for the Suncorp eOptions account now

Our overview

This Suncorp account aims to be a leader in the pack of competitive online savings accounts.  As with other leading products there are no minimum deposits, monthly fees and there are NO penalties in the months you withdraw funds. You can withdraw funds via your online banking into your everyday bank account which can be with any of the main banks in Australia including Suncorp of course. Suncorp even have an option to tie the account together with an everyday bank account with a Visa debit card.

As the account can be accessed 24/7 online and deposits and withdrawals can also be made via your online banking there is no need for branch access so the account is suited to savers across Australia, regardless of location. You won’t need to step inside a Suncorp branch so it’s not just for Queenslanders!

Suncorp eOptions Account is a post from: High Interest Savings Accounts

MoneyMagazine’s Best online savings account 2011. Backed by NAB and government guaranteed.
Open an account online now and earn a great interest rate of 6.01% p.a.

With every USaver savings account, you’ll get:

• A genuine high interest savings account – calculated daily, paid monthly
• No fees or charges whatsoever
• A simple online account opening process plus access to a real person 24/7
• Savings Buckets – create different savings accounts for each of your savings goals in just a few clicks
• Our useful Goal Tracker online savings tool. Goal Tracker will help you learn how to save money to achieve your goals
• Easy online account management – transer funds out anytime
• Your choice of alerts sent to you via email, SMS or secure mail
• No minimum amount and a maximum balance of $1 million dollars per customer
• Standard rate 5.41%p.a. – Bonus rate 0.60%p.a.

Opening a USaver account online is easy. It only takes a few minutes and there’s no paperwork
required.

Apply for the Ubank Usaver account online now direct with Ubank  - quick and easy application.

Full terms and conditions available from Ubank.

UBank USaver Account is a post from: High Interest Savings Accounts

Listed below are some of the rewards and perks that credit cards offer. By reviewing these perks, customers will learn about how to save money and maximise potential earnings from their credit card.

1.Rewards

Credit card reward programs allow customers to earn points, miles, cash back and discounts on products purchased with the card. Customers may also earn airline certificates, gift cards, merchandise and countless other rewards. Philanthropic customers may donate to charity with their rewards. Some credit card companies also offer 5% cash back on purchases. Some of the purchases are restricted to gas, groceries and home. When you take advantage of the rewards, you often get free nights at hotels or airline tickets. Rewards points are excellent reasons to make purchases on your credit card.

2. Purchase Protection

Credit card rewards do not always have to be in the form of points on the credit card. Credit card companies also reward the customer by protecting them against theft, damage or fraudulent charges. If a product is damaged or stolen, the customer will be protected by using their credit card.

3. Travel Insurance

Travel insurance is another way that credit card companies protect their customers. Travel insurance for a single trip may be as much as $200 or more. If you have a credit card with rewards, travel insurance will be automatically included for any trip charged to the card.

This is hugely beneficial as travel insurance not only covers lost baggage and trip cancellation, but also rental car collision waiver insurance. This is a tremendous savings and protection for customers that travel often. In addition, roadside assistance and accidental death and dismemberment insurance is also included.

4. Extended Warranty

Some credit cards will extend the warranty on purchases for up to five years. For instance, if you purchase a new laptop, it may only come with a one year warranty. If you purchase the laptop on the credit card, then the warranty may be doubled or even extended up to five years. This reward or perk is most often provided to customers free of charge. The extended warranty makes purchasing all items on your credit card worth it.

5. Price Protection

Some credit card customers often overlook this incredible reward or cost savings. Basically, if you purchase an item and the price drops on the item within a certain time period, typically 60 days, then customers may receive a refund.

This gives the customer peace of mind that they can purchase a product when they need it rather than when the product may go on sale. If the product does go on sale within the time period, the customer will not lose any money from their purchase at the higher price. Take full advantage of this reward to maximise your credit card rewards.

Conclusion

To get the most out of your credit card rewards, take full advantage of every reward offered on your card and minimise the interest payments on the card. Obtain a card with a 0% introductory rate and a low interest rate thereafter. The lower the interest rate is, the better.

Even if you have an interest rate as low as 2.9% or lower, continue to pay off your balance in full. Then, when you use your rewards, it will be as if your credit card is rewarding you for your business, rather than you just breaking even or reducing the effective interest payments.

5 Ways to Maximise Your Credit Card Rewards is a post from: High Interest Savings Accounts

The online bank account with no monthly account keeping fees that makes banking easy. Manage your account online or on your mobile and say goodbye to ATM fees! You can access your cash from any ATM in Australia for free when you withdraw $200 and enjoy low international ATM fees when you travel. Plus forget lining up at a bank branch, you can contact ING DIRECT anywhere, anytime via the 24/7 Australian call centre. Apply online today!

Apply for an ING Direct Everyday Orange Account Now 

Terms and conditions apply and available upon request.

ING Direct Everyday Orange Account is a post from: High Interest Savings Accounts

Offer for NEW CUSTOMERS:

From the 25^th January 2012, all new customers to join RaboDirect will get a bonus interest rate of 0.61%p.a* on top of our standard variable rate for balances under $1 million.

• All you need to do is open a high interest savings account and you will be eligible for the bonus rate.
• It is available to all new customers for 4 months from account opening
• For balances up to $250k you will automatically earn 6.01%p.a. variable bonus rate on every dollar for the first 4 months.
• For balances between $250k and $1 million you will automatically earn 5.61%p.a. variable bonus rate on every dollar for the first 4 months.
• After the initial 4 months, your rate will revert to the standard variable rate that applies to your account balance.
• Bonus Rate Offer is for a Limited Time Only, so get in quick!

Offer for EXISTING CUSTOMERS:

From the 2^nd Feb 2012, the bonus rate of 0.61% will automatically be applied to any additional deposits existing customers make from 2 February  2012.

• You will get this bonus rate for 5 months, ending 30 June 2012.
•  For balances up to $250k you will automatically earn 6.01%p.a. variable bonus rate on every dollar up until the 30 June 2012.
•  For balances between $250k and $1 million you will automatically earn 5.61%p.a. variable bonus rate on every dollar up until the 30 June 2012.
• Every additional dollar deposited into your High Interest savings account which is over and above the total combined balance of your RaboDirect deposit accounts (i.e. HISA, Purpose Saver, PremiumSaver and term deposits) as at midnight 1 Feb 2012, will earn the bonus rate on top of your standard variable rate.
•   Available for all Personal, DIY, Trust and Business customers for balances under $1 million.

Apply for a RaboDirect High Interest Savings

Legal stuff, but nothing sneaky:
*Information and rates correct as at 25/1/12. Rate shown is subject to change and comprises a 0.61%p.a. fixed margin above our standard variable rate on balances up to $200,000, currently 5.4%p.a. Available to new customers for 4 months from account opening, then reverting to the standard variable rate. Different rates apply to business accounts. Click here for more information on our business accounts.

RaboDirect and related deposit products are issued by Rabobank Australia Limited ABN 50 001 621 129, AFSL 234700. Read the terms and conditions before making investment decisions.

RaboDirect High Interest Savings is a post from: High Interest Savings Accounts

With no monthly account fees, unlimited transactions at over 2,900 ATMs without charge and a VISA Debit Card, you are free to get on with the every day.

Rates:

Account Features:

• $10 monthly Feebate*, up to a total of $100, for each month you make deposits of at least $2,000, like your salary.
• $0 monthly account keeping fee.
• Unlimited transactions^{^} at over 2,900 HSBC, Westpac, St George, Bank of Melbourne and BankSA ATMs at no charge.
• HSBC Visa Debit Card for secure access to your money.
• Access anywhere and at anytime through Internet, Mobile and Phone Banking.
• Easy to link online to a high-interest Serious Saver Account for your savings.

Apply for an HSBC Day to Day Account now

*Conditions Apply. To be eligible for the $10 Feebate you must open a new HSBC Day to Day Account from 1 June 2011 and meet the minimum deposit criteria by the last business day of the calendar month. Your $10 Feebate will be credited to the account within the first 5 business days of the subsequent month. Feebate payments will cease when a total of $100 has been credited to the account or when the account has been open for 12 months, whichever occurs first. Feebates will only be paid on one account per customer.

**Interest rate applicable for balances from Balances from $50,000

HSBC Day to Day Account is a post from: High Interest Savings Accounts