Our range of products

  • AMP Bett3r Account

    This product is no longer available for new customers and the Bett3r Rewards are terminated from 1 July 2022 for all customers.

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    Effective 1/07/2022 0.10% pa
    Standard variable interest rate on Pay account
    0.10% pa

    Standard variable interest rate on Save account. Bett3r Rewards are terminated from 1/07/2022.

    This product includes

    • No monthly fees
    • Three linked accounts – Pay, Save and Spend
    • Create and track savings goals plus earn bonus interest
    • Automated features that help you set aside funds for future bills and see what’s left
    • Manage your money via the Bett3r app

    This product does not include

    • Phone banking
    • Being able to make online transactions on a desktop computer
    • The ability to make same-day payments to an external account
    Terms and conditions

  • AMP Access Account

    Everyday access to your funds and no minimum balance required.

    Learn more Apply now
    Effective 16/08/2019 0.00% pa

    This product includes

    • No monthly fees or minimum balance
    • Easy access to your money
    • Basic features for eligible Government Concession Card holders
    • Option to link to an AMP savings account
    • Digital wallet payments with Apple Pay, Samsung Pay and Google Pay1

    This product does not include

    • The ability to earn any interest on your deposits
    • The option to create and track savings goals
    • Automated features to help you manage your monthly income and budget
    Terms and conditions

  • AMP Cash Manager

    Manage and access your funds while earning interest at a competitive rate.

    Learn more Apply now
    Effective 27/11/2023 Up to 4.80% pa*

    *Up to 4.80% pa for certain account balances. To get this rate, it is based on your accumulated account balance and the interest you can now earn. To help you calculate your return click on the Learn more button above to view the tiered interest rate table.

    This product includes

    • No monthly fees
    • Competitive tiered interest rate with no monthly fees
    • No minimum balance required
    • Option to link to an AMP savings account such as our AMP Saver Account.
    • Digital wallet payments with Apple Pay, Samsung Pay and Google Pay1

    This product does not include

    • The option to create and track savings goals
    • Automated features to help you manage your budget
    • Basic features for eligible Government Concession Card holders
    Terms and conditions

Find out more

Get the complete picture with My AMP app

Access your finances on the move and have your super, banking, investments and insurance all at your fingertips.

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Choose how you bank

Contactless payments, mobile apps and a variety of everyday and savings accounts to suit your way of doing things.

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Savings calculator

Work out how varying deposits and timeframes affect your savings goals.

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Frequently asked questions

What is an everyday account?

Everyday bank accounts are designed to give you easy access to your money. You can usually attach a debit card to the account, making it easy to pay for groceries, online shopping or withdrawing money from an ATM.

What’s the difference between everyday and savings accounts?

Savings accounts generally let you earn a higher interest rate than everyday accounts. The main difference is that it may not be quite as easy to access your money. There are different kinds of savings accounts, which vary in terms of the access you get to your money, as well as the interest rate.

Some accounts may not give you ATM access, may not have a debit card attached to the account, or may lock your money away for a certain period. And some others may be online only. In exchange, you’ll usually benefit from a higher interest rate.

How safe is my money in an everyday account?

The Australian Government provides a guarantee of combined savings balances with an authorised deposit taking institution up to $250,000 per customer.

Can I earn interest on an everyday account?

Although savings accounts usually have higher interest rates than everyday accounts, you can earn interest on some everyday accounts.

Reach your goals sooner with an AMP savings account

Do you want to save money and earn high interest on your money? Our range of saving accounts will help you save and grow your money
Learn more

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. Full details are available in the Fees and charges guide.

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.

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

1 Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.

Visit Samsung to check devices compatible with NFC point of sale terminals for contactless transactions.