Online savings account
RAMS Saver is a completely online savings account, easily managed via myRAMS where you can deposit, withdraw and transfer funds.
To earn the bonus 0.05% p.a. variable interest on top of the variable base rate, just:
Monitor and manage securely online with myRAMS^
Contact us for more information.
If you are a new customer, you can apply for a RAMS Saver online.
If you are an existing RAMS customer, you can open the RAMS Saver account by logging into myRAMS using your Customer Identification Number (CIN) and password. From there simply click on “Apply Online” in the left hand menu and follow the prompts. You can open your account in as little as 1 minute.
If you are an existing customer and currently do not have access to myRAMS, please call us on 13 RAMS, that's 13 7267.
See our Contact us page for opening hours and mailing address.
Yes, you can open an account with one other individual.
RAMS does not have any branches and you cannot deposit money into y our RAMS Saver account at a RAMS Home Loan Centre. However you can deposit funds into your RAMS Saver by:
RAMS DepositsLocked Bag 5001
Concord West NSW 2138
Note: Regular payments cannot be made from Westpac Accounts.
View RAMS Deposit Rates and Fees. (PDF).
The FCS limit of $250,000 applies to the sum of an account holder's deposits under the one banking license.
Therefore, all deposits held by an account holder with a single banking institution must be added together towards the $250,000 FCS limit, and this includes accounts with any other banking businesses that the licenced banking institution may operate under a different trading name.
The limit applies per customer per banking licence. That is, the limit applies to the combined total amount of funds you have with Westpac, Bank of Melbourne, St.George Bank, BankSA, RAMS (including any other eligible deposit products that are issued by WBC but distributed by third parties under their own brands), because these funds are held under a single WBC banking licence.
You can find out more information about the various brands and products offered under the WBC banking licence and covered by the FCS by contacting WBC directly.
Further Information on the FCS is also available on the FCS website - www.fcs.gov.au
*No bonus interest of 0.05% p.a. is earned if account balance is above $500,000. Base rate will be earned if balance is above $500,000, up to $5 million. No interest is earned if account balance is above $5 million.
^ Subject to system availability.
Please refer to the RAMS Deposit Accounts Terms and Conditions and RAMS Deposit Rates and Fees.
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