Scheduled maintenance: myRAMS will be unavailable on Tuesday 18 December from 10:00pm to midnight (Sydney Time). We apologise for any inconvenience caused.
  • 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 2.80% p.a. (including bonus  interest and up to $500,000 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?

    $
    $
    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

    Saving enough for your first home deposit can appear an insurmountable hurdle when you start from scratch - it is not.
    As a first home buyer, saving up a deposit can be a major hurdle between you and your first home. Save your deposit sooner with our 7 practical tips
    Joining forces can really help first home buyers spring on to the property ladder with real gusto!
    Renting out a spare room could be a way to help pay off your mortgage faster. 
    Quick and simple guide helping you understand how much you’ll need for your home loan deposit.
    Offset accounts are transaction accounts linked to your home loans which can help to reduce the amount of interest that you pay on your home loan