Earn up to 1.00% pa with Bett3r Rewards Bonus Interest Rate1

The award-winning AMP Bett3r Account (Bett3r) helps you pay your bills, save for something special and spend safely on the things you want. Bett3r is three smart bank accounts that work together as one to help you manage your money.

1. Conditions apply

Effective 14 July 2020.

AMP Bett3r Account

  • Deposit at least $2,000 (such as your pay) each calendar month into your Pay account from a source other than another AMP Account, and:
    • Get the Bett3r Rewards Bonus interest rate (payable on Save account balances).
    • Skip the $6 Monthly Account Management Fee on your Pay account
  • 3 linked accounts (Pay, Save, Spend) to help you budget
  • Use the Bett3r app so you can manage your money on the go
  • Bett3r app alerts to help keep you on track
What is Bett3r?

Check out the fees and rates


There is a $6 Monthly Account Management Fee debited to the Pay account on the last day of each month.

If you deposit at least $2,000 (such as your pay) each calendar month into your Pay account from a source other than an AMP Bank account, you’ll skip the $6 Monthly Account Management Fee. See the Deposit products fees and charges guide for more details, including fees for special services. And with the great interest rates, you can reach your goals sooner.

Effective date 14 July 2020

AMP Bett3r Deposit Account  Standard Interest Rate  Bett3r Rewards Bonus Interest Rate 
 Bett3r Pay  0.25% pa  
Bett3r Save 0.25% pa 0.75% pa bonus interest (Up to 1.00% pa total*)
Bett3r Spend 0.00% pa  

*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.

Switch your existing AMP account

Eligible deposit products

If you already have an account with us and want to open an AMP Bett3r Account, you may be able to switch your existing account.

These are the deposit products which are eligible to be switched to a Bett3r Pay account:

  • AMP Access Account
  • AMP Cash Manager
  • AMP First
  • ASYCash Management
  • Cash Management Account
  • AMP SuperEdge Pension Account

Be sure to read the frequently asked questions first. And don’t worry, you won’t miss out. If your account isn’t listed, you can open a new AMP Bett3r Account.

You can also view the home loans which can be linked to a Bett3r Offset account.

Do you have an AMP Bank home loan eligible for offset?

See details about the AMP Bett3r Offset Account.


Budget with ease

Set up your account with the Bett3r app. Enter your income then bills into your Pay account, so they’re looked after first. Add goals to your Save account and have your savings automatically put aside.

What’s left in your Spend account is yours to enjoy, guilt-free. 

Stay in control

Stuck on only saving what you don't spend? Bett3r puts you in control. With your income in separate pots and alerts to help keep you on track, you'll be less tempted to overspend.

Best of all, you'll see your goals get closer as your savings grow. 

Budget with ease

We all loved a gold star at school. So why not be rewarded for good adulting?

With Bett3r Rewards, you can earn a bonus interest rate on money in your Save account. Just deposit at least $2,000 each calendar month (such as your pay) from an external source that is not another AMP bank account.

Here's what a customer had to say

“Once you’ve set it up, it does all the work for you in the background.” – Joshua, Bett3r customer1

Already using Bett3r?

Get some help with your AMP Bett3r Account Journey with instructional videos to assist you every step of the way.

Manage your money on the go

Managing your Bett3r Account is easy with the AMP Bett3r app. Use your smartphone to set up your Pay, Save and Spend accounts.

The Bett3r app allows you to transact, manage and see the overview of your money, on the go. Download the Bett3r app today.

Apply for an AMP Bett3r Account in less than 5 minutes

Got a question?

Take a look at our frequently asked questions or give us a call.

We're here to help

Monday to Friday 8am - 8pm
Saturday and Sunday 9am - 5pm (Sydney time)

Important information

It’s important to consider your particular 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.

This information is provided by AMP Bank Limited. Read our Financial Services Guide 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.

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

1 Joshua is an AMP Bett3r Account customer and was an employee of AMP, his review is his genuinely held opinion. Joshua did not receive a benefit/incentive for his review.