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 Up
Compare ANZ and Up savings accounts side by side. In March 2026, ANZ offers 4 accounts with rates up to 4.50% p.a., while Up has 1 account reaching 4.85% p.a. Up currently leads by 0.35%.
VS
1 live product
Up
Best available rate
4.85%p.a.
Up Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
4.85%
Conditions
Bonus rules apply
Live edge
Up 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 | Up |
|---|---|---|
| Max rate | 4.50% | 4.85% |
| Base rate | 0.10% | 0.00% |
| Bonus rate | 4.40% | 4.85% |
| Has conditions | Yes | Yes |
All ANZ Products
Every tracked savings accounts option from ANZ.
All Up Products
Every tracked savings accounts option from Up.
In March 2026, ANZ's Growth Saver offers up to 4.50% p.a. (0.10% base + 4.40% bonus), while Up's Up Saver reaches 4.85% p.a.. Up currently leads by 0.35% p.a.
Up's rate applies on balances up to $250,000.
ANZ has 4 savings products and Up has 1, giving you a range of options to compare.
Quick Comparison
| Feature | ANZ | Up |
|---|---|---|
| Max Rate | 4.50% | 4.85% |
| Base Rate | 0.10% | 0.00% |
| Bonus Rate | 4.40% | 4.85% |
| Conditions Required | Yes | Yes |
Common Questions
ANZ vs Up FAQs
Which bank has the better savings rate, ANZ or Up?
Up 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 Up's best savings account rate in 2026?
Up's best savings rate is 4.85% p.a. on the Up Saver. This rate requires meeting monthly bonus conditions.
Do ANZ and Up savings accounts have conditions?
Both ANZ and Up require meeting monthly conditions to earn their full bonus rates.