Grow your dough
Up to
Standard + bonus variable rate
It's time to rise to the occasion
Deposit $500 or more into your eligible Access Account and make at least five card purchases each month using your linked account to unlock bonus interest – even if you dip into your savings.
How to earn bonus interest
Open your accounts
To get started, you’ll need both a Boss Saver and a linked Access Account (in your name only). We’ve made this easy – you can open both accounts online.
Deposit at least $500 into your Access Account each month
To make things simple, you could have your salary paid directly into your account. Otherwise, you can make a monthly digital transfer from an external bank account, or a BCU one that’s not in your name.
Make five purchases
Each month, make five or more card purchases using your linked BCU Access Account.
See how your dough could grow
Discover how your money could grow over time with the help of our handy savings calculator.
Interest rates and fees
Earn a great rate and pay no fees on popular transactions. What more could you knead?
Interest rates
| Rate type | Tier | Interest rate |
|---|---|---|
| Standard rate | $0 + | 0.20% p.a. |
| Bonus rate* | Up to $100,000 | 4.30% p.a. |
| Total maximum rate (standard + bonus) | Up to $100,000 | 4.50% p.a. |
Fees and charges
Our Boss Saver has no monthly or standard transaction fees.
Other fees and charges that may apply can be found on our account fees and charges page.
Ready to get that bread?
New customer
If you’re not already banking with us, getting started is quick and easy. You can open both the Boss Saver and Access Account online at the same time.
Existing customer
If you already have an Access Account, you can open a Boss Saver through internet banking or the BCU Bank app. Need an Access Account? You can open one in the same way.
Because we're here to help
Open an account online
You’ll have access to your new Access Account and Boss Saver in minutes.
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
Get answers online
Check out our how-to guides, search our FAQs, and find support services.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Read the relevant product terms and conditions before deciding if a product is right for you.
*Bonus interest is payable on the last day of the calendar month on Boss Saver balances up to $100,000 when the following conditions are met during the month:
- at least $500 from an external source is deposited into your Access Account(s); and
- you make at least 5 Visa card transactions from a linked Access Account.
If the conditions are not met, or the account balance exceeds $100,000, the standard interest rate will apply.
You may hold a maximum of one Boss Saver as a single account owner.
If you hold more than one Access Account, we will link your Boss Saver to the most suitable account. You may contact us to change your linked Access Account. Your Boss Saver can be linked to an Access Account held in your name as a single account holder only. You cannot link to an Access Account held in joint names. The Access Account does not earn interest.