Internet Banking

Savings and investments

Online Saver Account

Our Rural Bank ONE Online Saver account enables people, businesses and self-managed superannuation holders in both metropolitan and regional Australia the opportunity to invest in a high interest saver account via the convenience of the Internet.

Provides you with access to your funds via Internet Banking. Earn a high rate of return and make the most of your savings while enjoying the convenience and flexibility of having your funds available at call.

  • High variable rate of interest
  • No account keeping or transaction fees
  • Flexible online access to funds via BPAY® and our PayAnyone* service.
  • Our online application only takes minutes and is completely paperless**
  • Online account access
  • Interest paid monthly to the account
  • Available for personal, business and DIY super applicants
  • Maximum balance $2 million per customer^

How do I apply / find out more?

Frequently asked questions

Online saver account interest rates

Personal Online Saver Account (Rural Bank ONE)

$0 - $4,999

1.90% p.a.

$5,000 - $2,000,000

1.90% p.a.

Business / DIY Super Online Saver Account (Rural Bank ONE)

$5,000 - $2,000,000

1.90% p.a.

Interest rates quoted on a per annum basis. Interest rates are current as of 25 November 2016 and subject to change without notice. Rural Bank ONE Saver rates are variable, calculated daily and credited monthly on the first day of the following month.

Financial Claims Scheme

Deposits with Rural Bank are covered by the Financial Claims Scheme. The account holder may be entitled to payment under the Financial Claims Scheme. Payments under the Scheme are subject to a limit for each depositor. Information about the Financial Claims Scheme can be obtained from the APRA website at www.fcs.gov.au and the APRA hotline on 1300 55 88 49.

Fees and charges

For all Rural Bank ONE fees and charges, download the Schedule of fees and charges document.


Interest rates quoted are subject to change without notice. This information has been prepared without taking into account your personal circumstances, objectives, financial situation or needs. Terms, conditions, fees and charges may apply. Full details are available on application, by phoning our Customer Service Centre on 1300 660 115, online or by visiting your local branch. All information is subject to change. Products are issued by Rural Bank Limited.

*Requires a Rural Bank security token. Subject to a maximum transfer limit of $15,000 per day, terms and conditions apply.

**Completely paperless - For applicants who satisfy the requirements for online identity verification.

^Combined value of Rural Bank ONE Saver and/or Rural Bank ONE Term Deposit accounts (whether individual or joint) can not exceed $2,000,000 unless agreed to by Rural Bank.

BPAY® registered to BPAY Pty Ltd ABN 69 079 137 518