Great ongoing rate

Benefit from a competitive, ongoing standard variable interest rate of 0.65% pa available on all credit balances.

Fee-free and flexible

Easily manage your money online, via the My AMP app and telephone banking, plus no monthly fees and no minimum deposit.

Easy and efficient

The Australian Government guarantee protects combined deposits up to $250,000 per customer if a financial institution fails.

Product inclusions

What the product includes

  • A competitive savings rate
  • Variable bonus rate for eligible new customers
  • Easy online and phone banking
  • The option to link to a cash hub account held by your SMSF like SuperEdge Cash or another external account
  • Quick access to your savings

What the product doesn't include

  • A Visa Debit card, Bank@Post or digital wallet facilities
  • Restrictions on pay anyone amounts

Rates, fees & eligibility

Rates & fees

Effective 18 October 2021

Standard rate

 Account balance Interest rate
 Standard rate for all balances 0.65% pa

Bonus interest rate for new accounts from first day of month, after the account is opened*
Standard variable rate plus 0.35% pa for balances up to $1million  1.00% pa

There are no ongoing fees including for regular deposits or withdrawals. Some fees and charges for special services may apply, such as a duplicate statement fee. 

Deposit into your account as often as you like using online, mobile or phone transfers from a linked transaction account. This can be an AMP SuperEdge Cash or another external account.

Interest applies to credit balances only. Interest rates are variable and subject to change without notice. Deposits over $5,000,000 are at our discretion.

For full details, please read the Deposit product fees and charges guide.



  • SMSFs

Talk to a financial adviser to see what kind of saving strategy works best for your SMSF.

Application form

To access this form, please save it to your desktop and then complete it. As it is a functional pdf form, it will unfortunately not work on a mobile device.


What are the fees?

There are no ongoing account management fees. Some fees and charges for special services may apply, such as a duplicate statement fee. Read the Deposit product fees and charges guide for more information.

How can I apply?

To apply, your SMSF must be regulated by the ATO as an Australian complying fund. Complete the online application which takes 10-20 minutes. Alternatively, you can download and complete an application form.

Note: The online application caters for SMSFs with up to 4 members. If the SMSF has 5 or 6 members, please apply using the AMP Bank Smart Form.

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.


*If you open a new AMP SuperEdge Saver Account and you have not held an AMP SuperEdge Saver Account in the last two years, you'll earn a bonus of 0.35% pa on top of the AMP SuperEdge Saver Account Standard Rate during the Bonus Period. The Bonus Period begins the first day of the month after the account is opened, and is active for six months. The Bonus Rate is payable on account balances of up to $1 million per customer. Bonus rate and Standard rate are both variable rates and subject to change.