Finding the best rates…
Bank One
Best available
Up to 5.25% p.a.
Line-up
1 live product
Compare Newcastle Permanent and Unity Bank savings accounts side by side. In March 2026, Newcastle Permanent offers 1 account with rates up to 5.25% p.a., while Unity Bank has 1 account reaching 4.00% p.a. Newcastle Permanent currently leads by 1.25%.
1 live product
Best available rate
Smart Saver Account (Under 25)
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.05%
Bonus
5.20%
Conditions
Bonus rules apply
1 live product
Best available rate
MoneyMAX Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.00%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
Newcastle Permanent leads on headline savings rate by 1.25% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Newcastle Permanent | Unity Bank |
|---|---|---|
| Max rate | 5.25% | 4.00% |
| Base rate | 0.05% | 4.00% |
| Bonus rate | 5.20% | 0.00% |
| Has conditions | Yes | No |
Every tracked savings accounts option from Newcastle Permanent.
Every tracked savings accounts option from Unity Bank.
In March 2026, Newcastle Permanent's Smart Saver Account (Under 25) offers up to 5.25% p.a. (0.05% base + 5.20% bonus), while Unity Bank's MoneyMAX Account reaches 4.00% p.a.. Newcastle Permanent currently leads by 1.25% p.a.
Newcastle Permanent's top rate requires meeting bonus conditions each month, while Unity Bank offers its rate with no ongoing requirements. Newcastle Permanent's rate applies on balances up to $49,999.
Newcastle Permanent has 1 savings product and Unity Bank has 1, giving you a range of options to compare.
| Feature | Newcastle Permanent | Unity Bank |
|---|---|---|
| Max Rate | 5.25% | 4.00% |
| Base Rate | 0.05% | 4.00% |
| Bonus Rate | 5.20% | 0.00% |
Common Questions
Newcastle Permanent currently offers the higher rate at 5.25% p.a., compared to 4.00% p.a. Rates are sourced from live data and change frequently.
Newcastle Permanent's best savings rate is 5.25% p.a. on the Smart Saver Account (Under 25), consisting of a 0.05% base rate and 5.20% bonus rate. This rate requires meeting monthly bonus conditions.
Unity Bank's best savings rate is 4.00% p.a. on the MoneyMAX Account.
Unity Bank's top rate has no ongoing conditions, while Newcastle Permanent requires meeting bonus conditions each month to earn the full advertised rate.
Bank Two
Best available
Up to 4.00% p.a.
Line-up
1 live product
| Conditions Required |
| Yes |
| No |
| Balance Cap | $49,999 | Unlimited |
Newcastle Permanent currently offers a 1.25% higher savings rate.
Based on current rates, Newcastle Permanent pays approximately $625 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 1.25% p.a.
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