1 live product
Unity Bank
Best available rate
4.00%p.a.
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
Finding the best rates…
Savings Accounts Comparison
Bank One
Unity Bank
Best available
Up to 4.00% p.a.
Line-up
1 live product
VS
Unity Bank vs Westpac
Compare Unity Bank and Westpac savings accounts side by side. In March 2026, Unity Bank offers 1 account with rates up to 4.00% p.a., while Westpac has 4 accounts reaching 5.25% p.a. Westpac currently leads by 1.25%.
VS
4 live products
Westpac
Best available rate
5.25%p.a.
Westpac Life (Under 35)
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
5.15%
Conditions
Bonus rules apply
Live edge
Westpac 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.
1.25% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Unity Bank | Westpac |
|---|---|---|
| Max rate | 4.00% | 5.25% |
| Base rate | 4.00% | 0.10% |
| Bonus rate | 0.00% | 5.15% |
| Has conditions | No | Yes |
All Unity Bank Products
Every tracked savings accounts option from Unity Bank.
All Westpac Products
Every tracked savings accounts option from Westpac.
In March 2026, Unity Bank's MoneyMAX Account offers up to 4.00% p.a., while Westpac's Westpac Life (Under 35) reaches 5.25% p.a. (0.10% base + 5.15% bonus). Westpac currently leads by 1.25% p.a.
Westpac's top rate requires meeting bonus conditions each month, while Unity Bank offers its rate with no ongoing requirements. Westpac's rate applies on balances up to $30,000.
Unity Bank has 1 savings product and Westpac has 4, giving you a range of options to compare.
Quick Comparison
| Feature | Unity Bank | Westpac |
|---|---|---|
| Max Rate | 4.00% | 5.25% |
| Base Rate | 4.00% | 0.10% |
| Bonus Rate | 0.00% | 5.15% |
| Conditions Required |
Common Questions
Unity Bank vs Westpac FAQs
Which bank has the better savings rate, Unity Bank or Westpac?
Westpac 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.
What is Unity Bank's best savings account rate in 2026?
Unity Bank's best savings rate is 4.00% p.a. on the MoneyMAX Account.
What is Westpac's best savings account rate in 2026?
Westpac's best savings rate is 5.25% p.a. on the Westpac Life (Under 35), consisting of a 0.10% base rate and 5.15% bonus rate. This rate requires meeting monthly bonus conditions.
Do Unity Bank and Westpac savings accounts have conditions?
Unity Bank's top rate has no ongoing conditions, while Westpac requires meeting bonus conditions each month to earn the full advertised rate.