• Savings and transactions

    RAMS Saver is a completely online savings account, easily managed via myRAMS where you can deposit, withdraw and transfer funds.  Or choose from two easy to access transaction accounts for your daily banking needs – RAMS Action, or RAMS Action with Offset

  • RAMS Saver - benefits
    • Completely online savings account, easily managed via myRAMS where you can deposit, withdraw and transfer funds, plus much more.
    • High interest – up to 3.15% p.a.(including bonus  interest and up to $500k balance) calculated daily; paid monthly 
    • Absolutely no fees or minimum balance or fixed term requirements
    • Seamless online-only application – takes less than 5 minutes.
    RAMS Action - benefits
    • Everyday transaction account, managed online via myRAMS where you can transfer funds between RAMS accounts, and much more.
    • No monthly fee1 or minimum balance or fixed term requirements
    • Online convenience with myRAMS - view and manage your savings online
    • Optional debit card for use at any ATM or EFTPOS across Australia + overseas where the Maestro symbol is displayed
    RAMS Action with offset - benefits
    • By linking a RAMS Action account to  your eligible RAMS home loan, you could pay less interest on your home loan.
    • No monthly fee1 or minimum balance or fixed term requirements 
    • Online convenience with myRAMS - view and manage your savings online (subject to systems availability) 
    • Optional debit card for use at any ATM or EFTPOS across Australia + overseas where the Maestro symbol is displayed
  • Savings calculator

    How much could I save?

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    $
    Year(s)

    With a RAMS Saver,

    Your total savings

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    If you make no withdrawals

    Got an amount you're saving towards in mind?

    How long to reach my savings goal?

    $
    $
    $

    With a RAMS Saver,

    It will take this long to reach your savings goal

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    How much interest could I earn?

    $
    $
    Year(s)

    With a RAMS Saver,

    Your interest earned

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    If you make no withdrawals

    Learn more about our savings account

  • Blogs and videos to help you save

    Preparation is key to helping you achieve a successful home loan application. Here are 8 ways to hel...
    If you’ve come into a bit of spare cash, the temptation to spend on an overseas holiday or brand new...
    Buying your first home? There are few things to tick off your to-do list before the property is all ...
    Video - consolidate debt

    When you get a home loan you can roll other debts with higher interest rates - such as personal loans - into your home loan to make payments easier to manage.

    Video - quick guide to home loan deposits
    For a home the standard deposit is 20% of the value of the property, however there are ways to pay as little as 5% depending on the type of loan you get and additional agreements and features.
    Video - Open house tips - Frank Valentic
    Buyer's Advocate and star of The Block, Frank Valentic shares his top tips for first home buyers when inspecting property.