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It’s a 15% fixed annual interest rate on your personal savings up to $25,000, compared to our 7% fixed annual standard rate. When you open your first Instant Access Savings account, we’ll automatically activate the boosted rate for 30 days.

You need to make 4 eligible card payments of at least $50 each within a 30-day rolling period. If you complete 4 eligible payments, you’ll secure the boosted rate for the next 30 days. If you don’t complete the payments, we’ll apply the standard 7% fixed annual rate to your savings.

If you're a Premium or Metal customer, you get the boosted rate automatically as long as you keep paying your plan. Conditions only apply to Standard plan customers.

You can reactivate the boosted rate whenever you want — just make 4 eligible card payments within a 30-day period. Your boost activates again as soon as you make the third payment, and will be active for the next 30 days.

Here's an example:

• Your boost is active from 3 May to 3 June
• During this period, you only make 1 eligible card payment on 25 May
• Your boost ends on 3 June
• You make 3 eligible card payments between 3–15 June
• Your boost activates again on 15 June, and is active until 15 July