Variable rates from

0.10% pa
1.40% pa
Standard variable rate on Pay account* Standard variable rate on Save account. Bett3r Rewards have been reduced to 0% effective 1/04/22*
 Effective 1/04/2022 - 1/07/2022


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 2022 - 30 June 2022

AMP Bett3r Deposit Account Standard interest rate* Bett3r Rewards Bonus Interest Rate
Bett3r Pay
0.10% pa  
Bett3r Save 1.40% pa
0.00% pa
Bett3r Spend 0.00% pa

The Bett3r standard rate will revert to 0.10% pa* on Bett3r Save from 1 July 2022.   See the Deposit product fees and charges guide for more details, including fees for special services. *Interest rates are variable and subject to change. Only applicable where the AMP Bett3r Account is not being used as an offset account. Rates are also applicable to AMP Superannuation or AMP Pension Account holder


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 here and on our FAQs page. 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

What you need to know

*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 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 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.