AMP Bett3r Account

Budget less. Live more.

Now there’s an account that thinks like you do. With three linked accounts – Bett3r Pay (Pay), Bett3r Save (Save), Bett3r Spend (Spend) – the AMP Bett3r Account (Bett3r) is the easier way to manage your money.

You can even use it as a joint account. Or you could choose the AMP Bett3r Offset Account if you have an AMP Bank Loan eligible for Bett3r Rewards.

See what Bett3r customers have to say.


The AMP Bett3r Account may suit if you’re:

  • looking for an easy and automated way to help you manage your budget
  • after more visibility of what you can safely spend
  • wanting to set up multiple savings goals and see your progress
  • looking for a competitive interest rate on your savings


Here’s what you get:

  • three linked accounts (Pay, Save, Spend) to help you budget
  • the Bett3r app so you can manage your money on the go
  • Bett3r app alerts to help keep you on track. 
  • If you deposit $2,000 each month from an external source, you also get1:
    • no Monthly Account Management Fee1 on your Pay Account
    • Bett3r Rewards interest rate of up to 3.00% on your Save account 


1.50% pa on Pay & Save accounts
Effective 10/08/2016
up to
3.00% pa
on Save account with Bett3r Rewards.

Apply for an account in less than 5 minutes

Apply now


AMP Bett3r Account

2017 winner for Banking Innovation by Mozo. Find out more at

Bett3r Rewards2

With Bett3r Rewards you’ll enjoy a bonus interest rate of 1.50% on money in your Save account1.

Here’s how it works:

  • To be eligible, you’ll need to deposit at least $2,000 into your Pay account each month3 from an external source that is not another AMP account
  • The bonus interest is on top of the standard interest for the account (shown here)
  • The bonus interest rate is available on balances up to $100,000.

Applicable where your AMP Bett3r Account is not being used as an offset account. If your AMP Bett3r Account is being used as an offset account, the Bett3r Rewards for offsets are available here.

If you're eligible for the bonus interest, it will be applied to money in your Save account the following month. This will be credited to you on the first day of the month after that3.

Please refer to the AMP Bett3r Account Terms and Conditions for how and when standard interest is applied to your account.

For example, if you meet the eligibility requirements in June, you'll earn the bonus interest rate on your account balance in July. The bonus interest will appear in your Save account on 1 August.

If you don't meet the eligibility requirements to receive the bonus interest rate, you'll receive the standard interest rate on your Bett3r Save account. As an example, if you miss out in June, you'll earn the standard interest rate on your Save account in July and be credited at the standard interest rate on 1 August.

Bonus interest isn’t payable in conjunction with any other promotional rate. We can change the bonus interest reward (including waiving an eligibility condition) or withdraw it at any time.

See the AMP Bett3r Account fees and charges guide for more details, including fees for special services. 

Want no monthly fees? You've got it. Just deposit at least $2,000 each month to your Pay account2 and you'll skip the $5 Monthly Account Management Fee. And with the great interest rates, you can reach your goals sooner.

Effective date 10 August 2016.

These rates are variable and are subject to change.

AMP Bett3r Account (deposit) Interest rate Bett3r Rewards
Bett3r Pay 1.50% pa  
Bett3r Save 1.50% pa 1.50% pa bonus interest (Up to 3.00% pa total*)
Bett3r Spend 0.00% pa  

*Where eligible for Bett3r Rewards.



Open your AMP Bett3r Account today

Apply online now

Here's what our customer has to say

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




Already using Bett3r?

Check out how to manage your AMP Bett3r account.

Got a question?

Take a look at our frequently asked questions or give us a call on 13 30 30 Monday to Friday 8.00am - 8pm (AEST), Saturday and Sunday 9am - 5pm (AEST).

Find out about convenient ways to bank with AMP

Get our budgeting and savings tips

Learn more

Find out how to manage your Bett3r account

Want to speak to a financial adviser?

Find an adviser

Important information

Show more

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, AFSL 234517 and Australian Credit Licence 234517.

All terms used in these Rewards Terms and Conditions have the same meanings given in the ‘Important words section’ of the Bett3r Account Terms and Conditions, including Bett3r Account, Bett3r Pay, Bett3r Spend and Bett3r Save.   

1 Only applicable where the AMP Bett3r Account is not being used as an offset account. Funds must be from an external source that is not another AMP Bank account.

2 AMP Bett3r Rewards apply per AMP Bett3r Account. This means that if there are multiple account holders for one AMP Bett3r Account, then the AMP Bett3r rewards (including the maximum limits) will apply once, not for each of the account holders. If any of the AMP Bett3r Reward offers are used in a manner that, in the opinion of AMP Bank, is not consistent with the spirit of the AMP Bett3r Rewards we may suspend or cease applying Rewards to your AMP Bett3r Account and reverse AMP Bett3r Rewards previously applied.

3 ‘month’ means each calendar month.