澳洲儲蓄利率很高。澳洲政府保證每個帳戶持有人在每個金融機構的存款最高 25 萬澳元（ADI）。以下利率是滿足獎勵條件時可達到的最高總利率。
請填寫您的狀況，我們將篩選出您可能符合資格的帳戶，並依預估年利息排序。
87 個選項
「抵達前帳戶」只需外國護照及稅務識別碼（TIN）即可開設——部分可在抵達前完全線上完成，部分則需在抵達後親自到分行或完成身分查核。這類帳戶利率不一定最高，但能讓您從第一天起就擁有可用的澳洲帳戶。
蜜月利率是暫時性的介紹優惠，通常持續數個月後會降至較低的標準利率——長期依賴前請先確認「生效期」及提供商條款。
** 利率結構依餘額級距而定——請在依賴頭條利率前，確認供應商的餘額級距。
Savings Booster (intro rate)
存款可享 5.50% 利率—這是不需要澳洲公民或永久居民（PR）身分就能獲得的最高利率—此外，支付水電瓦斯等生活帳單還可享 1% 現金回饋。條件：每月存入 $1,000、完成 5 筆刷卡交易，並讓帳戶餘額較上個月增加（最高可享優惠利率的存款額為 $100,000）。
推薦代碼: Jmx362
護照或澳洲駕照、澳洲地址，以及澳洲稅務檔案號碼（TFN）
最高餘額：Bonus paid up to $500k
In the ING app, it's easy to check whether you've qualified for the bonus interest this month.
High Interest Savings Account (honeymoon rate)
5.90% intro rate for 4 months, no hoops, up to $250k.
No hoops. For deposits up to $250k. Drops substantially after the intro rate ends.
最高餘額：Up to $250k
Savings Accelerator ("Welcome Rate")
針對 ING 新儲蓄客戶提供 5.85% 介紹利率，適用於餘額最高 $2M — 依餘額級距分層計息。
無條件限制。僅適用於首次使用 ING 儲蓄產品的新客戶。餘額在 $2M 以內皆可享最高利率，各級距分層計息，未來各級距利率可能調整。
最高餘額：Top rate only payable for accounts with balances of $150k to $500k
Save ("Welcome Rate")
5.85% intro rate for new customers, up to $1M, for the deposits made from 15 July 2025.
Grow balance. For customers who joined from 15 July 2025. Up to $1 million.
最高餘額：$1M
New customers only.
Smart Saver (under 25)
Up to 5.75% total on balances under $50k for under-25s in NSW/QLD.
Must be an Australian citizen, Australian permanent resident, or a New Zealand citizen living in Australia. No hoops. Max bonus rate applies to balances under $50k, 4.5% up to $250k, slightly lower above that. Must be a NSW/QLD resident.
Must be under 25 and a NSW/QLD resident.
Life (18-40yo)
Up to 5.75% total on the first $150k for 18-40 year olds with a Choice transaction account.
Grow balance. Requires a deposit, keep balance above $0, and 20 eligible purchases with a debit card on a Choice transaction account. Max rate on first $150k.
最高餘額：Spend & Save bonus payable on up to $150,000
5.75% total = 0.10% standard variable base rate + 4.90% standard variable bonus rate + 0.75% Spend&Save variable bonus rate (on balances up to $150,000). Must be between 18 and 40.
Easy Saver Account (honeymoon rate)
5.75% intro rate, no hoops, up to $250k.
Grow balance. Up to $250k.
最高餘額：$250k
Age 16+. No direct debits or scheduled payments from the Easy Saver Account.
Growth Saver
Up to 5.65% total if you grow your balance $200/month with no withdrawals.
Must be an Australian citizen or permanent resident currently living in Australia. Grow balance. Bonus rate applies up to $25,000, deposit $200 and no withdrawals within a calendar month.
最高餘額：Bonus paid up to $25k
Future Saver (14-17yo)
5.60% total with no hoops for 14-17 year olds.
No hoops. Same account as "BOQ Future Saver 17-35yo" but no hoops if 14-17yo.
最高餘額：Max bonus on first $50k, lower on remainder up to $250k
Must be 14 to 17yo.
Future Saver (17-35yo)
5.60% total for 17-35 year olds who deposit and transact each month.
Deposit $1,000 into a linked Everyday account & 5 eligible transactions. Bonus in 1st month, must earn for subsequent months.
最高餘額：Max bonus on first $50k, lower on remainder up to $250k
Must be 17 to 35yo.
Savings Maximiser + Orange Everyday
存款可享 5.50% 利率—這是不需要澳洲公民或永久居民（PR）身分就能獲得的最高利率—此外，支付水電瓦斯等生活帳單還可享 1% 現金回饋。條件：每月存入 $1,000、完成 5 筆刷卡交易，並讓帳戶餘額較上個月增加（最高可享優惠利率的存款額為 $100,000）。
推薦代碼: Jmx362
護照或澳洲駕照、澳洲地址，以及澳洲稅務檔案號碼（TFN）
最高餘額：Bonus paid up to $100k
Needs a linked Orange Everyday account.
Young Saver
5.50% total, no hoops, on the first $5k.
No hoops. First $5k at max rate, much reduced above that.
最高餘額：Max bonus on first $5k only
Available to members aged 12 to 17. Account must be in an adult's name if the member is under 12.
Youth eSaver (under 18)
5.50% total on the first $5k, then 1.00% on the rest.
Max rate on first $5,000, then 1.00% on the portion of balance over that.
最高餘額：Max bonus on first $5k
Converts to the standard eSaver Plus Account once you turn 18.
Savings Booster
存款可享 5.50% 利率—這是不需要澳洲公民或永久居民（PR）身分就能獲得的最高利率—此外，支付水電瓦斯等生活帳單還可享 1% 現金回饋。條件：每月存入 $1,000、完成 5 筆刷卡交易，並讓帳戶餘額較上個月增加（最高可享優惠利率的存款額為 $100,000）。
護照或澳洲駕照、澳洲地址，以及澳洲稅務檔案號碼（TFN）
最高餘額：Bonus paid up to $500k
In the ING app, it's easy to check whether you've qualified for the bonus interest this month.
Smart Saver (36+)
Up to 5.40% total when you deposit and transact each month.
Deposit $1,000 into a linked Everyday account and make 5 eligible transactions. Bonus applies from the first month; must keep earning it in later months.
最高餘額：Bonus paid up to $250k
Premium Saver
Up to 5.40% total if you grow your balance $200+ a month, below $250k.
Grow your balance by $200+ per month.
最高餘額：No hard cap, but the bonus rate applies below $250k — substantially lower above that.
Reward Saver (migrated from Citi)
5.40% total, a special deal for migrated Citi Online Saver customers.
Special deal for migrated Citi Online Saver accounts. Grow balance — make at least 1 deposit on or before the 2nd last banking day of the month, and no withdrawals.
最高餘額：Bonus paid on balances above $1
Allows balances $1M+. Only available to customers migrated from Citi.
Hello Saver (introductory rate, new customers)
5.40% introductory rate for new MyState Bank customers.
No hoops. Introductory rate for new MyState Bank customers.
最高餘額：Much lower rate over $100k
HomeMe Save + SpendMe Transaction
Up to 5.35% total across up to 50 Savers accounts you don't withdraw from.
Deposit $2,000–$5,000 and make 5 eligible purchases each month via the linked SpendMe transaction account. Only Savers you don't withdraw from earn the bonus rate; up to 50 Savers allowed.
最高餘額：Bonus paid up to $1M total across Savers (previously up to $100k, then 3.00% from $100k–$1M before that).
SpendMe account required; app only. Part of the BOQ Group for the $250k government deposit guarantee.
Grow & Flow Saver
Up to 5.35% total across up to 50 Savers, on the first $250k of your total balance.
Make 5 eligible purchases a month. Any Saver you don't withdraw from earns the bonus rate; up to 50 Savers allowed.
最高餘額：Bonus paid on the first $250k of total balances
Needs a linked Up everyday account.
Personal Savings Account
Up to 5.35% total on the first $250k; 4.85% from $250k–$2M.
Deposit $300/month. Max rate applies on the first $250k; 4.85% on the portion from $250k–$2M. $20k withdrawal limit per transfer, or call for more.
最高餘額：Effectively $2M
No Osko (fast payments).
Bonus Saver
Up to 5.35% total if you deposit $200/month with no withdrawals.
Deposit $200/month, no withdrawals.
最高餘額：Bonus applies while balance is under $250k
Reopened to new customers — membership is $10, with payment deferred until a Reward Saver account is called for by the Board of Directors.
Youth Goal Saver (18-24yo)
5.35% total up to $50k for 18-24 year olds who deposit and transact.
Up to $50k. Deposit $500 required. 5 card transactions for the bonus.
最高餘額：$50k
Must be 18 to 24yo.
Maxi Saver
5.35% introductory rate if you open a companion transaction account.
No hoops. Open a companion Complete Freedom transaction account by 8 June 2026, deposit $50 with 10 days and get a $50 bonus.
最高餘額：No limit to get the best rate
Ability to open multiple accounts. Part of the Westpac Group for the government guarantee. Same product at St.George, Bank of Melbourne and BankSA.
Maxi Saver
5.35% introductory rate if you open a companion transaction account.
No hoops. Open a companion Complete Freedom transaction account by 8 June 2026, deposit $50 with 10 days and get a $50 bonus.
最高餘額：No limit to get the best rate
Ability to open multiple accounts. Part of the Westpac Group for the government guarantee. Same product at St.George, Bank of Melbourne and BankSA.
Maxi Saver
5.35% introductory rate if you open a companion transaction account.
No hoops. Open a companion Complete Freedom transaction account by 8 June 2026, deposit $50 with 10 days and get a $50 bonus.
最高餘額：No limit to get the best rate
Ability to open multiple accounts. Part of the Westpac Group for the government guarantee. Same product at St.George, Bank of Melbourne and BankSA.
Savings Account (welcome rate for new accounts)
5.35% introductory rate for new deposits, up to $250k.
For deposits up to $250k. May apply to new accounts only.
最高餘額：Up to $250k, then rates vary
The welcome rate is variable and may change during the four-month period.
Netsave Account (welcome rate)
5.35% welcome rate for the honeymoon period after opening.
Allows opening another NetSave account at the end of your honeymoon period.
Drops to 1.5% after the honeymoon phase.
Reward Saver
5.35% for growing your balance, dropping to 2% after the honeymoon phase.
Grow balance by $50 monthly & no withdrawals. Must not have previously held a Reward Saver account.
最高餘額：$1M
Drops to 2% after the honeymoon phase.
Home Saver
Up to 5.25% total when you deposit, transact and grow your balance.
Deposit $2,000, make 5 settled Visa debit transactions, and grow your linked Everyday (formerly Everyday Snap) account balance.
最高餘額：Bonus paid up to $100k
Very low rate if the bonus requirement isn't met.
Savvy Saver
Up to 5.25% total when you deposit and transact each month.
Deposit $500 into a linked "Transaction account" (required), plus 5 cleared Visa purchases.
最高餘額：Bonus paid up to $100k
Boss Saver + Access Account
Up to 5.25% total when you keep depositing into a linked Access Account.
Deposit $500 into a linked "Access Account".
最高餘額：Bonus paid up to $100k
Needs a linked Access Account. Balances above $100k only earn the standard rate.
Bonus Saver
Up to 5.25% total up to $99,999 if you deposit $100/month with no withdrawals.
Grow your balance by depositing $100/month, with no withdrawals. Full rate applies up to $99,999.
最高餘額：Bonus paid up to $100k; substantially lower rate above that
Very low rate if the bonus requirement isn't met.
Grow Saver + Lock Saver
Up to 5.25% total, but inflexible — a Lock Saver withdrawal costs you the 2.2% lock bonus.
Inflexible. Deposit 1c and no more than 1 withdrawal in the current month. Give 32 days' notice to withdraw, during which you don't get the 2.2% Lock Saver bonus.
最高餘額：Bonus paid up to $250k. Part of the BOQ Group (affects government guarantee grouping).
No EFTPOS.
U30 Super Charge Account (under 30)
5.25% total if your entire salary is deposited to the account.
Must have entire salary deposited to the account. Up to $30k total ($10k per account, up to 3 accounts per customer).
最高餘額：$30k
Must be under 30yo. Membership requires an eligible connection to police or the wider emergency services community.
Choice Account + eSaver (newcomer)
Up to 5.25% intro rate for 5 months if you open online as a new customer, dropping to 1.25% after.
Valid passport, proof of an Australian address, and a foreign Tax Identification Number (TIN). The online bonus needs a sole applicant who has never held an eSaver before.
Allows online pre-arrival application, or in-branch verification upon arrival. The 5.25% total (3.55% introductory + 0.45% online bonus) applies for 5 months, then drops to the 1.25% standard variable rate.
iSaver (introductory rate)
5.25% introductory rate if you haven't held a NAB iSaver in the last 12 months.
No hoops. Introductory rate if you haven't held a NAB iSaver in the last 12 months.
最高餘額：$20M
Drops to the 1.10% standard rate after the honeymoon phase.
Star Saver
Up to 5.20% total if you grow your balance by $100 every month.
Grow your balance by at least $100 by 5pm on the last business day of the month.
最高餘額：N/A
Very low rate if the bonus requirement isn't met.
NetBank Saver (introductory rate)
5.20% introductory rate if you haven't held a NetBank Saver before.
No hoops. Introductory rate if you haven't held one before.
最高餘額：N/A
Drops to the 1.90% standard rate after the honeymoon phase.
Dream Fund
Up to 5.15% total for a 1c balance-growth deposit each month.
Grow your balance by 1c. Lower rate on balances over $100k.
Very low rate if the bonus requirement isn't met.
Incentive Saver
Up to 5.15% total if you grow your balance and keep it above zero.
Grow balance by $50 (21+) or $0.01 (under 21) and keep the balance above zero.
最高餘額：No limit to get the best rate
You can open multiple accounts. Part of the Westpac Group for the government guarantee — same product at St.George, Bank of Melbourne and BankSA.
Incentive Saver
Up to 5.15% total if you grow your balance and keep it above zero.
Grow balance by $50 (21+) or $0.01 (under 21) and keep the balance above zero.
最高餘額：No limit to get the best rate
You can open multiple accounts. Part of the Westpac Group for the government guarantee — same product at St.George, Bank of Melbourne and BankSA.
Incentive Saver
Up to 5.15% total if you grow your balance and keep it above zero.
Grow balance by $50 (21+) or $0.01 (under 21) and keep the balance above zero.
最高餘額：No limit to get the best rate
You can open multiple accounts. Part of the Westpac Group for the government guarantee — same product at St.George, Bank of Melbourne and BankSA.
Everyday Savings Account (introductory rate)
5.15% introductory rate for the first 3 months on new accounts.
No hoops. Can get the intro offer again after 12 months.
最高餘額：$1M
Drops to 2.75% after the honeymoon phase. HSBC is closing its Australian retail banking business by the end of 2027 — existing customers should plan to move to another provider before then.
GO Save
5.10% total, no hoops, up to $500k — until 20 Aug 2026.
No hoops. Max rate applies up to $500k, lower rate above that up to $5M.
最高餘額：$5M
No EFTPOS on the transaction account; app only. The max-rate cap drops to $50k from 21 Aug 2026.
GO Save
5.10% total, no hoops — but the max-rate cap drops to just $50k from 21 Aug 2026.
No hoops. Max rate applies up to $50k, lower rate above that up to $5M.
最高餘額：$5M
No EFTPOS on the transaction account; app only. Max-rate cap reduced from $500k to $50k.
Flex Saver
5.10% total, no hoops, but only on the first $5k.
No hoops. Max rate on the first $5k; 1.75% on the rest. Requires an existing ANZ Plus spending account.
最高餘額：$5k for the max rate
No linked Visa debit card, but payment options include PayTo, Pay Anyone, BPAY and Direct Debit.
Hero Saver
5.10% total on balances up to $250k, much lower above that.
Grow your balance. Applies on balances up to $250k; much lower above that.
最高餘額：Effectively $250k
Save Account
5.10% total, up to $1M, just for growing your balance by $1.
Grow your balance by $1. Total Save balance across all Save accounts must grow by at least $1 (excluding interest and offset amounts).
最高餘額：Bonus paid up to $1M, including balances across all Save accounts
Account opening may require a selfie and photos of your licence or passport in the app.
Max eSaver
5.10% total, no withdrawals, up to $1M.
Grow balance, no withdrawals.
最高餘額：$1M
Membership requires an eligible connection to the ADF or the broader defence community.
Growth Saver Account
5.10% total, no balance limit, if you grow your balance $100/month.
Grow balance by $100 per month, excluding interest.
最高餘額：No limit
Account opening may require a selfie and photos of your licence or passport in the app. A NSW Photo ID is not accepted.
Bonus Saver
5.10% total on the first $100k if you grow your balance $100+ a month.
Grow balance by $100+ a month, no withdrawals. Rate is for balances up to $100k.
最高餘額：Max bonus on the first $100k. Tiered rate for balances greater than $100k.
Rate drops to 0.10% if conditions aren't met.
mySaver (under 25)
5.10% total for under-25s who grow their balance by $10.
Grow balance by $10. No withdrawals. Slightly lower rate on balances from $50k to $250k.
最高餘額：Effectively $250k
Must be under 25. Rate drops to 0.10% if conditions aren't met.
iSaver (introductory rate)
5.10% introductory rate for deposits up to $250k.
No hoops. For deposits up to $250k. May apply to new accounts only.
最高餘額：Up to $250k
After six months the rate reverts to the introductory base variable rate (1.25%). Membership requires an eligible connection to the ADF or the broader defence community.
Flex Saver Account
5.05% total, no hoops, up to $3M.
No hoops.
最高餘額：Up to $3M
Growth Saver
5.05% total if you grow your balance $200/month.
Grow balance by $200 and max 1 withdrawal per month.
Very low rate if the bonus requirement isn't met.
Youthsaver (under 18)
5.05% total for growing your balance every month.
Grow balance. Have a higher balance at the end of the month compared to the start of the month.
最高餘額：Bonus paid up to $50k
Must be under 18yo.
Bump Savings (under 17)
5.05% total for kids and teens under 17.
Requires a deposit, keep balance above $0.
最高餘額：N/A
Must be under 17; under-14s need a parent to open the account. Converts to Westpac Life once the holder turns 18.
Savings Account
5.00% total, no hoops, on amounts up to $2M (2.5% above that).
No hoops. For amounts up to $2M, over that 2.5%.
最高餘額：$2M
Needs a linked Macquarie Transaction account (no EFTPOS). Interest is paid on the portion of the balance that falls within each band.
Hello Saver
5.00% total, no hoops, up to $500k.
No hoops. Up to $500k. Poor rate beyond that.
最高餘額：Bonus paid up to $500k
GoalSaver
5.00% total for growing your balance by 1c or more.
Grow balance by 1c or more.
Easy Saver
5.00% total, no hoops, on balances up to $250k.
No hoops. On balances up to $250K. Much lower rate above that.
最高餘額：Effectively $250k (as of 31 Oct 2025)
Some existing customers report receiving a targeted 5.5% rate (same as the honeymoon rate) until 30 Jul 2026.
Bonus Saver
5.00% total if you deposit $20/month and transact 5 times.
Deposit $20 per month into the Bonus Saver Account, plus 5 Visa debit card transactions.
最高餘額：Bonus paid up to $500k
No longer offered to new customers.
Life
5.00% total for growing your balance every month with a Westpac everyday account.
Grow balance by 1c or more. Ensure balance is higher at the end of the month than the beginning. Keep balance above $0 at all times. Must hold a Westpac everyday account.
最高餘額：N/A
Reward Saver
5.00% total for growing your balance.
Grow balance. Make a deposit, ensure balance is 1c or more on or before the second last banking day of the month, and no withdrawals.
最高餘額：$1M+
Nearly zero rate if you miss out.
Savings Booster
5.00% total for depositing $100+ a month with no withdrawals.
Grow balance. Deposit $100+ a month. No withdrawals.
最高餘額：Bonus paid up to $250k
Everyday Smart Access + debit card + GoalSaver (newcomer)
No Australian address needed to set up the account (ID check at a branch when you arrive). No monthly fee if you deposit $2,000/month, are under 30, or meet other conditions.
Valid passport, foreign Tax Identification Number (TIN) or Australian Tax File Number (TFN), and an in-branch ID check within 14 days of opening. To earn the bonus rate: deposit any amount and grow your balance each calendar month.
Can be applied for online up to 14 days before arrival or within 12 months after arriving, or in-branch as a tourist.
Personal Online Savings Account
Up to 4.95% total, but only if your balance is $500k or more.
No hoops. Max rate only if balance is $500k or more.
Has tiers, and it's unclear whether the top rate applies to the entire balance or just the portion within the top tier.
Saver Account (grandfathered)
4.95% total for growing your balance — a legacy account AMP is trying to migrate holders off.
Grow balance by $250 in the prior month. Bonus applies to the first $500k.
最高餘額：Bonus paid up to $500k
Closed to new customers. AMP is inviting existing holders of this account to move to AMP GO Save instead.
Online Saver
4.85% total, just for not making withdrawals.
No withdrawals.
Future Saver
4.85% total, up to $500k, with a reduced 3.25% rate above that.
Grow balance by $250 in the current month. 3.25% on the portion over $500k.
最高餘額：Max bonus paid on first $500k, no limit at the reduced bonus rate
Very high max balance for bonus rates. Very low rate if the bonus requirement isn't met.
Everyday Saver
4.80% total, no hoops beyond no withdrawals, up to $750k.
No withdrawals.
最高餘額：$750k
Savings Accelerator
無條件限制，最高可享 4.80% 總利率，適用於餘額最高 $2M — 依餘額級距分層計息。
無條件限制。餘額在 $2M 以內皆可享最高利率。各級距分層計息，未來各級距利率可能調整。
最高餘額：$2M
Max rate only when total balance is over $150k. Interest rate on the entire balance varies depending on balance.
Simple Saver Account
4.80% total, no hoops, up to $5M.
No hoops. New customers get an additional bonus rate — see Honeymoon section.
最高餘額：Rate paid up to $5M
Saver
4.75% total, no hoops beyond no withdrawals.
No withdrawals.
最高餘額：No limit
Reward Saver
4.75% total if you grow your balance and hold an eligible transaction account.
Grow balance (excluding current month interest). You must hold an eligible transaction account.
最高餘額：Bonus paid up to $100k
Meet monthly requirements on the required transaction account to avoid account-keeping fees. $2,000 in or $6 pm.
Online Saver
4.70% total, no hoops besides going paperless.
No paper statements.
最高餘額：$5,000,000
Online Saver Account
4.60% total, but only on the portion of your balance above $1k.
Interest paid on the portion above $1k. No interest paid on the first $1k, so you don't actually get the full 4.6% on your whole balance.
MySavings Account
4.55% total, no hoops, up to $2M.
No hoops.
最高餘額：Max rate paid up to $2M, much lower above that
Cash Manager
4.50% total, but 0% on the first $10k of balance.
0% on the first $10k of balance, max rate on the portion from $10k–$240k, lower rate above that. It is a transaction account with debit card/BPAY/Pay Anyone/direct debit.
最高餘額：Max rate up to $240k, much lower above that
MoneyMAX Account
4.50% total, no hoops, with BPAY and external transfers.
Has BPay and external transfers from account.
Unity Bank is an independent mutual bank — not part of the BOQ Group. Max-balance cap for this rate not confirmed; check directly with the provider.
Boost Saver + Lock Saver
4.50% total, but requires 32 days' notice to withdraw from the lock component.
Give 32 days' notice to withdraw. Deposit $1,000 to Go account + 5 purchases/direct debits/BPAYs, settled in the previous month. No criteria if under 18yo.
最高餘額：Bonus paid up to $250k. Part of the BOQ Group (affects government guarantee grouping).
High Interest Account
4.50% total, up to $1M, tied to a nabtrade brokerage account.
Balances up to $1M, slightly lower rate above that. Requires a nabtrade account and associated nabtrade Cash Account.
最高餘額：$1M
Allows balances up to $1,000,000. Rates are variable — on higher balances, the lower rate applies to the total balance.
AUD Multi-Currency Account
使用卡片即可輕鬆又實惠地兌換外幣，還能以低廉的手續費進行國際匯款。
Foreign passport or national ID, plus your home country address.
Non-bank multi-currency account — useful as a stopgap for receiving AUD before you have a local bank account. Unlike the bank accounts above, balances aren't covered by the Australian government's $250,000 deposit guarantee. The ~3.71% figure is an estimated variable return from Wise's optional "Interest" feature (run by Wise Australia Investments Pty Ltd, AFSL 545411), not a bank interest rate — it charges a 0.72% annual fee and capital is at risk, not guaranteed.
Transaction Account
2.75% total, no hoops, on a transaction account (not a dedicated savings account).
No hoops.
最高餘額：None
No EFTPOS.
Access Advantage + Online Saver (newcomer)
Flat 1.35% on the linked Online Saver, no conditions — but requires an in-person branch visit to open.
Foreign passport, proof of a local address (e.g. hotel or lease), and a foreign Tax Identification Number (TIN).
Application must be completed in person at an ANZ branch in Australia — no pre-arrival online option. No introductory bonus currently offered; the 1.35% standard variable rate applies with no conditions.
Everyday Global Account + Savings (newcomer)
No longer accepting new applications — HSBC is closing its Australian retail banking business, so this is not currently an option for newcomers.
Primary photo ID (foreign passport), plus your home country address and Tax Identification Number (TIN).
HSBC's own product page confirms it is "no longer accepting applications" for this account, as part of HSBC closing its Australian retail banking business over the next 18 months. Left here for reference — use one of the other pre-arrival accounts instead.