Financial Deals Australia

If you're 15 to 35, you can earn the highest no-hoops savings rate around right now.

• 5.9% p.a. on balances up to $249,999
• 4.75% p.a. on anything over $250,000
• No hoops to jump through

Looking to switch banks? Westpac is paying you $50 to open a Choice transaction account plus a Life or eSaver savings account.

• You'll need to be 18+, a new Westpac customer (no accounts in the past 2 years), and open both accounts in your name only
• Spend $50+ on the linked debit card within 15 days of opening, then keep the accounts open for at least 60 days
• The $50 lands in your savings account within 60 days of meeting the criteria

Bonus: if you're under 41, the $5 monthly fee is waived and you can earn 6.2% interest on balances up to $150K — just deposit $2,000 a month (which you can move straight back out).

You can earn 5.75% p.a. on up to $50,000 with AMP Bank's GO Save Account, following the RBA's 0.25% cash rate increase, effective 9 November 2026 — and there are no hoops to jump through.

• Business Save balances get up to 5.25% p.a.
• No monthly conditions to meet, so you can use it as an everyday account
• Osko fast payments and notifications on every deposit and withdrawal

You can earn 200,000 bonus Velocity Points when you apply for the American Express Velocity Business Card through a referral link by 4 May 2027 and spend $6,000 in the first 3 months. The card has a $249 annual fee, and this offer is only available via referral — the direct Amex link gives just 120K points.

• New Amex Card Members only
• You'll need to be 18+, an Australian citizen or PR, have good credit and no defaults
• Your business needs $75K+ annual revenue and a valid ABN registered for GST

You can earn a high 6% p.a. variable interest on your Savings Maximiser balance up to $100,000, but you need to meet a few monthly requirements.

• Also hold an Orange Everyday account and deposit at least $1,000 from an external source each month.
• Make 5 or more settled ING card purchases.
• Grow your Savings Maximiser balance (excluding interest).

Note: New applications close 1 December 2026, but existing accounts can keep using it as usual.

You can save 20% on a 2-Day VIP pass to Australia's biggest crypto, blockchain, and fintech event in Sydney this November.

• Use code OZB20 at checkout to get the discount (plus booking fee)
• VIP includes all sessions, exhibition floor, networking lounge, VIP lounge with food and open bar, plus the Industry Night and Super-Yacht after-party
• Event runs 28-29 Nov 2026 at ICC Sydney
• Tickets are limited, so grab yours soon

Westpac is lifting its Life savings rate to 6.20% p.a. for 18-40s on the Spend&Save offer, kicking in from 13 November 2026 after the latest RBA hike.

• To score the 6.20%, you'll need to be 18-40, hold a Westpac Choice account and make 20 settled debit card purchases each month
• You'll also need to deposit at least once a month (interest doesn't count) and grow your balance
• The boosted rate covers balances up to $150,000, with anything above earning 5.50%
• Everyone else aged 18+ gets 5.50% p.a. (up from 5.25%), but miss the monthly conditions and you'll drop to 0.10% p.a.

You can skip the purchase fee on $100 and $250 digital Coles Mastercards at Giftcards.com.au.

• Runs from 9am AEDT 4 November 2026 to 5pm AEDT 1 December 2026
• One order per customer per day, max order value $2,500
• Cards are for online purchases only and can take up to 24 hours to activate
• The $50 Coles Mastercard is excluded

Note these are non-refundable and can't be replaced if lost or stolen, so keep them safe.

You and a friend can each pocket $40 when you refer someone to ZIP and they make their first transaction within 14 days of getting your link.

• Referee must be new to ZIP and sign up with the same mobile number that received the invite
• $9.95 monthly fee is waived if you owe nothing at the end of the month
• Zip Plus comes with no foreign transaction fees, works anywhere Visa is accepted, and can generate single-use card numbers
• Offer runs until 1 December 2026

Just remember: only invite people you actually know who've agreed to it, and don't post your link publicly.

You can earn a genuinely ongoing 6.00% p.a. on balances up to $99,999 with RACQ Bank's Bonus Saver — no honeymoon rate that collapses after a few months.

• Qualify each month by depositing at least $100 and making zero withdrawals or transfers out
• $0 monthly fees and no linked transaction account or card purchases required
• Queensland residents only, and the account shifts to Bendigo Bank around 13-15 November 2026, so the 6.00% may not last
• Keep your balance under $99,999 — a dollar over drops the whole balance to 3.75% p.a., and missing the conditions tanks it to 0.01%
• Rates current as at 13 October 2026; not financial advice

You can earn a solid 5.50% p.a. on your savings with no hoops to jump through, following the RBA's latest cash rate rise.

• 5.50% p.a. on balances up to $250,000
• 5.30% p.a. on $250,000.01 to $2,000,000
• 4.85% p.a. on anything above $2,000,000
• New rates kick in from 19 November 2026
• No ongoing conditions or minimum deposits required

Just note the 5.85% p.a. Welcome rate is no longer offered on accounts opened after 11:59pm AEST Monday 14 September 2026, so existing customers still in that period keep their higher rate.

Earn a solid 5.60% p.a. on your savings with ubank's Everyday Bonus Rate, now bumped up from 10 November 2026.

• Applies to balances up to $1,000,000
• You just need to grow your balance by $1 each month to qualify
• New customers joining from 9 October 2026 can snag a 6.50% p.a. Welcome Bonus Rate
• Those who joined before that date keep a 6.35% p.a. Welcome Bonus Rate

If you're an existing ING Orange Everyday customer, check your email or the ING app for a personalised activation link.

• Activate, then deposit $1,000+ from an external source by 31 December 2026
• Keep depositing $1,000+ each month through 28 February 2027
• ING pays $20 into your account the following month, up to $80 total
• The $1,000 doesn't need to stay in the account, it's a deposit requirement not a balance one

Miss a month and you're out for the rest of the promo, so set a reminder. The offer is targeted and can't be combined with other promos unless stated.

You can earn 200,000 bonus Qantas Points with the ANZ Qantas Business Rewards Credit Card when you spend $10,000.

• Annual Fee is $375 ($300 plus $75 Rewards Fee per card per year)
• New cardholders only
• Not available if you've held an ANZ Qantas Business Rewards or ANZ Business Black card in the last 12 months
• T&Cs, eligibility criteria, fees and charges apply

If you have an eligible AmEx card, you can get 10% back on Special Gift Cards purchases — up to $20 — when you save the offer and spend by 31/12/2026.

• Must be targeted; additional/employee cards aren't eligible
• One credit per card, first 200,000 cards to save
• Buy gift cards online at special.gift or via the Special Gift Cards app
• Credit should appear within 15 business days of qualifying spend

You can pocket a serious stack of Velocity Points just by taking out a new QBE insurance policy online.

• 30,000 Points for new Comprehensive Car, Home (combined or buildings only) or Landlord (combined or buildings only) cover, plus 10,000 more when you renew
• 15,000 Points for new Contents or Third Party Property Damage Car Insurance, plus 5,000 on renewal
• Points land within 95 days of your policy start date

One catch: each risk can only earn Points once, so a property or vehicle that's already scored Points won't qualify again.

You can score about $150 back when you sign up to Moomoo through ShopBack as a new user and follow a few simple steps.

• Open your account via ShopBack and deposit at least AUD1,000
• Keep an average daily balance of AUD1,000 for 30 days
• Make one buy trade (excluding CashPlus) within 30 days
• This is a today-only offer, so don't wait if you're keen

If you're after combined hospital and extras cover, this Bupa deal stacks free weeks with a flight voucher.

• Use code 8WEEKSFREEFC to get up to 8 weeks free
• Gift card value depends on your cover: $200 for singles, $400 for couples, families and single parents
• Join by 18 November 2026 and start your policy by 18 December 2026
• You'll need to pay premiums by direct debit for 60 straight days and not have held Bupa domestic cover in the past 60 days
• Gold Hospital Cover and hospital cover bundled with Extras Saver don't qualify
• The gift card lands in your email within 30 days of meeting all the criteria

Here's a nice little bonus for sorting out your health cover. Compare and switch your policy online with Compare Club and you can score a gift card worth up to $250.

• Family or single parent family hospital + extras cover earns you a $250 gift card
• Single or couples hospital + extras gets you $150
• Hospital only or extras only policies come with $50

Just make sure you complete the switch online and keep your policy active for 90 days after to qualify. Gift card value depends on the type of cover you buy.

You can link your Amex to EatClub's Caviar Reserve digital card and use it at most places that take Visa — including Costco and Aldi.

• Earn 3% back in Dining Credit on groceries at Coles, Aldi and Woolworths, up to $10 back monthly, then 1% after that, on up to $1,000 grocery spend a month
• Earn 1% back in Dining Credit everywhere else, on up to $1,000 spend a month
• Subscription costs $11.99/mo or $119/yr

Just sign up in the EatClub app to get started.

If you're after a business card that actually pulls its weight, this Qantas Business Rewards Amex offer is still kicking around — and it's a big one. You'll bag 150,000 Qantas Points when you spend $6,000 in the first 3 months, plus a $200 travel fund to put towards your next trip.

• 150,000 Qantas Points + $200 travel fund (just meet the $6,000 spend in 3 months)
• $450 annual fee
• One of the best points-earning business cards going around

Worth noting: there's a long-running referral deal that scores you even more points, so this one gives you less — but it's still a cracking offer if you're ready to jump on it.

Here's a solid cashback combo if you're looking to dip a toe into crypto without much risk.

• $300 cashback when you make your first Pepperstone crypto trade of $500 or more via ShopBack
• Clever workaround: buy around $510 of USDC — a stablecoin pegged to the USD, so minimal price risk
• One catch: this is less generous than the previous $250 cashback for just a $100 trade, so it's a decent deal rather than an amazing one
• Expires 11:59pm AEDT 26/10/26, though past deals have been extended

Score $15 back from PayPal just for shopping like you normally would — here's how:

• Activate the offer first in your PayPal account, then make 3 purchases of $40+ each (that's $120 total spend) before 10:59pm AEDT on 9 November 2026
• Your $15 reward lands within about 7 business days — just remember to use it within 7 days of receiving it
• Heads up: this is a targeted offer (check your email or the PayPal app for the invite), rewards are capped at 100,000, and purchases made before activating won't count