Less stress with Bett3r Pay

Your income goes into this account and automatically helps you set aside funds for future bills.

Reach goals faster with Bett3r Save

Set up multiple savings goals and Bett3r tracks your progress so you can reach them with confidence.

See what’s left with Bett3r Spend

Say goodbye to uncertainty and easily see how much is left to safely spend at the end of each month.

Product inclusions

What the product includes

  • An automated way to help you manage your budget
  • The ability to create and track savings goals
  • A Visa Debit card, eftpos, BPAY® and digital wallet options

What the product doesn't include

  • The ability to use it as a simple transaction-only account
  • The ability to make same-day payments to an external account
  • The option to manage transactions via a computer or phone and not the AMP Bett3r app

Rates, fees & eligibility

Rates & fees

Effective date 1 April 2021

AMP Bett3r Deposit Account Standard interest rate Bett3r Rewards Bonus Interest Rate
Bett3r Pay
0.10% pa  
Bett3r Save 0.10% pa
0.65% pa bonus interest
(up to 0.75% pa total*)
Bett3r Spend 0.00% pa

Are you an AMP Superannuation or AMP Pension Account holder? See what extra Bett3r Rewards you may be eligible for.

See the Deposit product fees and charges guide for more details, including fees for special services.

*Only applicable where the AMP Bett3r Account is not being used as an offset account. Available on balances up to $100,000. Balances over $100,000 will revert to the Standard Interest Rate. See the AMP Bett3r Account Bett3r Rewards Rules for applicable terms, conditions and eligibility criteria.


What do I need to apply?

Applying online is easy and will take you about five minutes to complete. You will need a valid form of identification.

What are the fees?

There are no ongoing account management fees. There are some fees and charges for special services that may apply. Read our Deposit product fees and charges guide for more information.

Are my savings secure?

The Australian Government guarantee protects combined deposits up to $250,000 per customer in the unlikely event that a financial institution fails.

Can I link my Bett3r Account to an offset account?

We have an AMP Bett3r Offset Account that you can use if you have an AMP Bank loan eligible for offset

I already have a Bett3r Account but need some help setting it up.

Get the most out of your AMP Bett3r Account with instructional videos to assist you every step of the way.

See all our FAQs for the Bett3r Account

We’ve tried to answer any questions you have about the Bett3r Account. If you can’t find what you need, contact us on 13 30 30.

Contact us

Mon - Fri: 8am – 8pm (AEST)
Sat & Sun 9am – 5pm (AEST)

Lost / Stolen Cards: 24 hours / 7 days a week

Important information

The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable.

This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice

A target market determination for these products is available on our TMD page.