Bank accounts Rates, calculators and tools

Westpac eSaver interest rates

Amount	Rate p.a.
Introductory offer	1.45% Fixed above the standard rate for the first 3 months1
All balances	3.75 % Variable
Total rate	5.20% variable (including introductory offer)

View Westpac eSaver essentials.

Westpac Reward Saver interest rates

Amount	Rate p.a.
Standard base variable interest rate	0.50%
Standard variable bonus	4.85% deposit $50 and make no withdrawals
Earn up to	5.35%

View Westpac Reward Saver essentials.

Interest paid at maturity or annually

Term	$5,000 <$10,000	$10,000 <$20,000	$20,000 <$50,000	$50,000 <$100,000	$100,000 <$250,000
1 < 2 months	2.55%	2.55%	2.55%	2.55%	2.55%
2 < 3 months	2.55%	2.55%	2.55%	2.55%	2.55%
3 < 4 months	5.00%	5.00%	5.00%	5.00%	5.00%
4 < 5 months	3.25%	3.25%	3.25%	3.25%	3.25%
5 < 6 months	3.50%	3.50%	3.50%	3.50%	3.50%
6 < 7 months	5.00%	5.00%	5.00%	5.00%	5.00%
7 < 8 months	3.75%	3.75%	3.75%	3.75%	3.75%
8 < 9 months	3.75%	3.75%	3.75%	3.75%	3.75%
9 < 10 months	5.00%	5.00%	5.00%	5.00%	5.00%
10 < 11 months	3.75%	3.75%	3.75%	3.75%	3.75%
11 < 12 months	3.75%	3.75%	3.75%	3.75%	3.75%
12 < 24 months	5.00%	5.00%	5.00%	5.00%	5.00%
24 < 36 months	5.10%	5.10%	5.10%	5.10%	5.10%
36 < 48 months	5.20%	5.20%	5.20%	5.20%	5.20%
48 < 60 months	5.30%	5.30%	5.30%	5.30%	5.30%
60  months	5.50%	5.50%	5.50%	5.50%	5.50%

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Special rates are highlighted in red.

Interest rates are % per annum. All investment balance ranges are in Australian dollars.

Interest paid monthly

Term	$5,000 <$10,000	$10,000 <$20,000	$20,000 <$50,000	$50,000 <$100,000	$100,000 <$250,000
1  < 2 months	2.35%	2.35%	2.35%	2.35%	2.35%
2 < 3 months	2.35%	2.35%	2.35%	2.35%	2.35%
3 < 4 months	4.80%	4.80%	4.80%	4.80%	4.80%
4 < 5 months	3.05%	3.05%	3.05%	3.05%	3.05%
5 < 6 months	3.30%	3.30%	3.30%	3.30%	3.30%
6 < 7 months	4.80%	4.80%	4.80%	4.80%	4.80%
7 < 8 months	3.55%	3.55%	3.55%	3.55%	3.55%
8 < 9 months	3.55%	3.55%	3.55%	3.55%	3.55%
9 < 10 months	4.80%	4.80%	4.80%	4.80%	4.80%
10 < 11 months	3.55%	3.55%	3.55%	3.55%	3.55%
11 < 12 months	3.55%	3.55%	3.55%	3.55%	3.55%
12 < 24 months	4.80%	4.80%	4.80%	4.80%	4.80%
24 < 36 months	4.90%	4.90%	4.90%	4.90%	4.90%
36 < 48 months	5.00%	5.00%	5.00%	5.00%	5.00%
48 < 60 months	5.10%	5.10%	5.10%	5.10%	5.10%
60 months	5.30%	5.30%	5.30%	5.30%	5.30%

Our current Term Deposit rates are shown below. Look out for our latest special rates marked in red. You should note that:

• Interest rates are current as at 21 May 2012
• Rates are subject to change
• Special rates are not available in conjunction with any bonus interest or other special rates offered by Westpac
• If you are on a special rate and your Term Deposit rolls over automatically, the Term Deposit may be automatically re-invested at a lower rate than the current interest rate
• For rates on investment amounts above $250,000 please call 1300 362 742.

Interest options

Interest options are:

• Interest paid at maturity is available for terms of 12 months or less
• Interest paid monthly is available for terms of 1 to 60 months (inclusive)
• Interest paid annually is available for terms of greater than 12 months (for terms not equalling an exact year, the remaining interest is paid at the end of the term).

Term Deposit rates tables

Interest rates are % per annum. All investment balance ranges are in Australian dollars.

View Westpac Term Deposit essentials.

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For Cash Manager interest is calculated daily on the tiered interest rate applicable to your entire account balance.

Westpac Cash Manager variable interest rates p.a.

Amount	Rate
0 < $5,000	0.25%
$5,000 < $10,000	0.25%
$10,000 < $20,000	2.55%
$20,000 < $50,000	2.55%
$50,000 < $100,000	2.55%
$100,000 < $250,000	3.55%
$250,000 < $500,000	3.55%
$500,000+	3.80%

View Westpac Cash Manager essentials.

There is no interest for this account.

View Westpac Choice essentials 

Interest calculated daily on each split portion of your account balance.

Interest rates p.a.

Amount	Rate
0 < $2,000	0.25%
$2,000 < $41,000	3.00%
$41,000+	4.50%

View Deeming Account essentials

There is no interest for this account.

View Basic Account essentials

Westpac Kids Reward Saver interest rates p.a. 

Amount	Rate
Standard base variable interest rate	0.50%
Standard Bonus interest rate1	4.85%
Earn up to2	5.35%

View Westpac Kids Reward Saver essentials.

Westpac Youth Reward Saver interest rates p.a. 

Amount	Rate
Standard base variable interest rate	0.50%
Standard Bonus interest rate 1	4.85%
Earn up to3	5.35%

View Westpac Youth Reward Saver essentials.

Westpac Student Reward Saver interest rates p.a. 

Amount	Rate
Standard base variable interest rate	0.50%
Standard Bonus interest rate1	4.85%
Earn up to3	5.35%

View Westpac Student Reward Saver essentials.

There is no interest for this account.

View Westpac Choice Youth essentials

There is no interest for this account.

View Westpac Choice Student essentials