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
Finding the best rates…
Savings Accounts Comparison
Bank One
RACQ Bank
Best available
Up to 4.75% p.a.
Line-up
1 live product
VS
RACQ Bank vs UBank
Compare RACQ Bank and UBank savings accounts side by side. In March 2026, RACQ Bank offers 1 account with rates up to 4.75% p.a., while UBank has 1 account reaching 5.35% p.a. UBank currently leads by 0.60%.
VS
1 live product
UBank
Best available rate
5.35%p.a.
Save Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
4.60%
Conditions
Bonus rules apply
Live edge
UBank leads on headline savings rate by 0.60% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.60% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | RACQ Bank | UBank |
|---|---|---|
| Max rate | 4.75% | 5.35% |
| Base rate | 0.01% | 0.00% |
| Bonus rate | 4.74% | 4.60% |
| Has conditions | Yes | Yes |
All RACQ Bank Products
Every tracked savings accounts option from RACQ Bank.
All UBank Products
Every tracked savings accounts option from UBank.
In March 2026, RACQ Bank's Bonus Saver offers up to 4.75% p.a. (0.01% base + 4.74% bonus), while UBank's Save Account reaches 5.35% p.a.. UBank currently leads by 0.60% p.a.
UBank's rate includes an introductory component for 4 months. UBank's rate applies on balances up to $1,000,000.
RACQ Bank has 1 savings product and UBank has 1, giving you a range of options to compare.
Quick Comparison
| Feature | RACQ Bank | UBank |
|---|---|---|
| Max Rate | 4.75% | 5.35% |
| Base Rate | 0.01% | 0.00% |
| Bonus Rate | 4.74% | 4.60% |
| Conditions Required | Yes |
Common Questions
RACQ Bank vs UBank FAQs
Which bank has the better savings rate, RACQ Bank or UBank?
UBank currently offers the higher rate at 5.35% p.a., compared to 4.75% p.a. Rates are sourced from live data and change frequently.
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.
What is UBank's best savings account rate in 2026?
UBank's best savings rate is 5.35% p.a. on the Save Account. This rate requires meeting monthly bonus conditions.
Do RACQ Bank and UBank savings accounts have conditions?
Both RACQ Bank and UBank require meeting monthly conditions to earn their full bonus rates.