4 live products
ANZ
Best available rate
4.50%p.a.
Growth Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.40%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
ANZ
Best available
Up to 4.50% p.a.
Line-up
4 live products
VS
ANZ vs Macquarie
Compare ANZ and Macquarie savings accounts side by side. In March 2026, ANZ offers 4 accounts with rates up to 4.50% p.a., while Macquarie has 1 account reaching 4.85% p.a. Macquarie currently leads by 0.35%.
VS
1 live product
Macquarie
Best available rate
4.85%p.a.
Macquarie Savings Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.50%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
Macquarie leads on headline savings rate by 0.35% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.35% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ANZ | Macquarie |
|---|---|---|
| Max rate | 4.50% | 4.85% |
| Base rate | 0.10% | 4.50% |
| Bonus rate | 4.40% | 0.00% |
| Has conditions | Yes | No |
All ANZ Products
Every tracked savings accounts option from ANZ.
All Macquarie Products
Every tracked savings accounts option from Macquarie.
In March 2026, ANZ's Growth Saver offers up to 4.50% p.a. (0.10% base + 4.40% bonus), while Macquarie's Macquarie Savings Account reaches 4.85% p.a.. Macquarie currently leads by 0.35% p.a.
Macquarie offers its top rate unconditionally, while ANZ requires monthly conditions. Macquarie's rate includes an introductory component for 4 months. Macquarie's rate applies on balances up to $2,000,000.
ANZ has 4 savings products and Macquarie has 1, giving you a range of options to compare.
Quick Comparison
| Feature | ANZ | Macquarie |
|---|---|---|
| Max Rate | 4.50% | 4.85% |
| Base Rate | 0.10% | 4.50% |
| Bonus Rate | 4.40% | 0.00% |
| Conditions Required |
Common Questions
ANZ vs Macquarie FAQs
Which bank has the better savings rate, ANZ or Macquarie?
Macquarie currently offers the higher rate at 4.85% p.a., compared to 4.50% p.a. Rates are sourced from live data and change frequently.
What is ANZ's best savings account rate in 2026?
ANZ's best savings rate is 4.50% p.a. on the Growth Saver, consisting of a 0.10% base rate and 4.40% bonus rate. This rate requires meeting monthly bonus conditions.
What is Macquarie's best savings account rate in 2026?
Macquarie's best savings rate is 4.85% p.a. on the Macquarie Savings Account.
Do ANZ and Macquarie savings accounts have conditions?
Macquarie's top rate has no ongoing conditions, while ANZ requires meeting bonus conditions each month to earn the full advertised rate.