¹ Consider T&Cs, eligibility criteria, TMD at mystate.com.au/legal, or call 138 001 before acquiring products issued by MyState Bank.

Interest calculated daily, paid monthly and interest rates subject to change from time to time. Bonus interest applies when eligibility criteria met. Bonus interest is payable only on balances up to $500,000. The base rate of interest will be paid on the portion of any balance exceeding $500,000. Current interest rates are available in interest rates for personal deposit accounts.

Eligible deposits to Bonus Saver account include: Transfers between your accounts, direct credits, NPP transactions, cash deposits, SWIFT payments and Telegraphic Transfers (TT).

Ineligible deposits to Bonus Saver account include: Bank@Post deposits or transfers, cheques, money orders, travellers cheques, international drafts and foreign currency. Interest credit, fee refunds or returned payments are also ineligible.

Eligible Visa transactions must be settled in the current month (not pending) and include; eftpos transactions and eftpos transactions with cash out, online purchases and in store purchases, regular card payments, payWave, Apple Pay, Google Pay, Samsung Pay and Garmin Pay transactions.

The following card transactions are ineligible: eftpos cash out only transactions, Local and International ATM withdrawals, transfers or balance enquiries, Cash Advances and Pending Card Transactions. The term 'Settled (not pending)' means for any purchases made on your card, that the transaction must be fully processed to your account during the current month and not have a pending status at the end of the month. Transactions with a pending status at month end do not count towards your 5 eligible Visa transactions however will count towards eligible transactions in the following month when they settle.