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
Finding the best rates…
Savings Accounts Comparison
Bank One
Macquarie
Best available
Up to 4.85% p.a.
Line-up
1 live product
VS
Macquarie vs RACQ Bank
Compare Macquarie and RACQ Bank savings accounts side by side. In March 2026, Macquarie offers 1 account with rates up to 4.85% p.a., while RACQ Bank has 1 account reaching 4.75% p.a. Macquarie currently leads by 0.10%.
VS
1 live product
RACQ Bank
Best available rate
4.75%p.a.
Bonus Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.01%
Bonus
4.74%
Conditions
Bonus rules apply
Live edge
Macquarie leads on headline savings rate by 0.10% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.10% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Macquarie | RACQ Bank |
|---|---|---|
| Max rate | 4.85% | 4.75% |
| Base rate | 4.50% | 0.01% |
| Bonus rate | 0.00% | 4.74% |
| Has conditions | No | Yes |
All Macquarie Products
Every tracked savings accounts option from Macquarie.
All RACQ Bank Products
Every tracked savings accounts option from RACQ Bank.
In March 2026, Macquarie's Macquarie Savings Account offers up to 4.85% p.a., while RACQ Bank's Bonus Saver reaches 4.75% p.a. (0.01% base + 4.74% bonus). Macquarie currently leads by 0.10% p.a.
Macquarie offers its top rate unconditionally, while RACQ Bank requires monthly conditions. Macquarie's rate includes an introductory component for 4 months. Macquarie's rate applies on balances up to $2,000,000.
Macquarie has 1 savings product and RACQ Bank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Macquarie | RACQ Bank |
|---|---|---|
| Max Rate | 4.85% | 4.75% |
| Base Rate | 4.50% | 0.01% |
| Bonus Rate | 0.00% | 4.74% |
| Conditions Required |
Common Questions
Macquarie vs RACQ Bank FAQs
Which bank has the better savings rate, Macquarie or RACQ Bank?
Macquarie currently offers the higher rate at 4.85% p.a., compared to 4.75% p.a. Rates are sourced from live data and change frequently.
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.
What is RACQ Bank's best savings account rate in 2026?
RACQ Bank's best savings rate is 4.75% p.a. on the Bonus Saver, consisting of a 0.01% base rate and 4.74% bonus rate. This rate requires meeting monthly bonus conditions.
Do Macquarie and RACQ Bank savings accounts have conditions?
Macquarie's top rate has no ongoing conditions, while RACQ Bank requires meeting bonus conditions each month to earn the full advertised rate.