• RAMS Saver account

    RAMS Saver is an online savings account that pays a high rate of return, with interest calculated daily and paid monthly.

    You don’t need to set up any complicated linked accounts and you’ll have easy access to your money via the myRAMS website - where you can transfer between RAMS accounts or transfer via Pay Anyone making it easy to manage your RAMS accounts - whenever you want, wherever you want!

  • 6 .12% p.a. Introductory variable rate for the first 4 months1
      • 6.12% p.a. introductory variable interest rate for the first 4 months1, then a high ongoing variable rate (currently 5.00% p.a.)
      • No minimum balance
      • No monthly fees2
      • Easy, direct access to your savings via myRAMS  
      • Australia based customer service – call 13 RAMS, that’s 13 7267  

    • Quite simply with the RAMS Saver account

      1. Apply for a RAMS Saver online via myRAMS

      2. Manage your savings online via myRAMS where you can:

      • transfer funds between RAMS accounts
      • transfer funds externally within Australia using Pay Anyone via Electronic Funds Transfer
      • obtain details of your transactions, balances and interest earned
      • update your address, telephone number or email address

      3. Grow your money  

      Maximise your savings potential by arranging regular direct deposits such as your salary with your employer or by making regular periodical payments from other institutions, into your RAMS Saver.

    • Who can apply?

      The RAMS Saver account is available to existing RAMS customers who meet the following criteria:

      • are an individual
      • are a current RAMS Home Loan borrower
      • are an Australian resident for taxation purposes with an Australian residential address
      • are 18 years of age and
      • hold a valid email address and Australian mobile number

      What information do I need when I apply?

      • An Australian residential address and an Australian mobile number
      • Your Tax File Number or exemption code (this is optional but if you choose not to provide it, we are required to deduct withholding tax at the highest marginal tax rate plus the Medicare Levy

      If you are a non-RAMS customer, you can register your interest in our new accounts and we can send you an email to let you know when they are available to everyone.


  • Things you need to know:

    1. Introductory rate available on your first RAMS Saver account only. Information and interest rates are current as at 3 February 2012 and are subject to change.

    2. Other fees and charges may apply. Please refer to the RAMS Deposit Product Fees and Charges flyer and RAMS Deposit Accounts Terms and Conditions.

    RAMS Saver is currently only available to existing RAMS customers. Any advice on this site does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to a RAMS Saver account, you should read the RAMS Deposit Accounts Terms and Conditions.

    RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065 promotes and distributes RAMS deposit products as an authorised representative of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (“Westpac”). Westpac is the credit provider for RAMS home loans and the issuer of RAMS deposit products. Fees, conditions limitations and lending criteria apply.