Vectra Trust – Bank & Save, Home Loans, Business Banking

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5.10%
Bonus Rate p.a.
$200
Monthly Growth Required
1
Max Withdrawals Allowed
10K+
Active Bonus Savers

How Bonus Interest Works

It's simple. Grow your balance each month and earn a higher interest rate on your savings.

5.10% p.a.

Bonus Rate

Earn 5.10% p.a. bonus interest when you grow your net balance by at least $200 each month.

Best Rate
0.50% p.a.

Standard Rate

If you don't meet the bonus conditions, you'll still earn the standard variable rate on your balance.

Base Rate

How to Earn Bonus Interest

Follow these three simple steps to start earning bonus interest on your savings.

1

Open a Bonus Saver Account

Apply online in minutes and start saving with our competitive bonus interest rate.

2

Grow Your Balance

Increase your net balance by at least $200 each month (excluding interest earned).

3

Earn Bonus Interest

Watch your savings grow faster with bonus interest paid monthly into your account.

Frequently Asked Questions

Everything you need to know about earning bonus interest.

The Bonus Saver account is a savings account that rewards you with a higher interest rate when you grow your balance by at least $200 each month. It's designed to help you save more and earn more.

To qualify for bonus interest, you need to grow your net balance by at least $200 each month (excluding interest earned) and make no more than one withdrawal during that month.

The current bonus interest rate is 5.10% p.a.. This rate is effective from 29 May 2026 and is subject to change. The standard rate is 0.50% p.a.

Bonus interest is calculated daily and paid into your account at the end of each calendar month, provided you've met the bonus conditions for that month.

Yes, you can make withdrawals from your Bonus Saver account. However, to earn bonus interest for the month, you must make no more than one withdrawal.