Key features and benefits

Our Stash 'n' Splash account is great if you want to earn a competitive rate of interest while having the ability to continue to save or access your funds as you require. 

You can make up to 5 withdrawals or transfers from the Stash 'n' Splash account in any one month without impacting the credit interest paid on the account. However, if you make more than 5 withdrawals or transfers during a month, you won't receive any interest. You can access your account via a number of options:

  • Retail stores and Contact Centre access
  • Internet Banking
  • SmartBanking App
  • BPAY payments
  • OSKO payments
  • Direct debits and credits
  • Periodical payments


  • No minimum deposit
  • Funds available at call
  • No fees for any withdrawals or transfers in Store, via the Contact Centre, Internet Banking or our SmartBanking App
  • Statements provided electronically via Internet Banking

Transaction fees that may apply

While no ongoing or transaction fees apply, other fees may apply to use of the Stash 'n' Splash account in some circumstances. For full detail of the fees that may apply, please refer to the Fees and Charges Schedule.

Credit Interest

The current Stash 'n' Splash interest rates are: 

Stash' n' Splash
Interest rate | Effective 1 December 2023
Balance: <$25k2.25% p.a.
Balance: <$25k-$1M3.00% p.a.

Important: 0% applies when more than 5 withdrawals are made in a calendar month.

Interest is calculated daily based on the account balance and credited to the account at the end of each month. 

I'm interested in a Stash 'n' Splash account!

Other options or things to consider

If you are saving regularly, and don't think you'll need to access the funds in the account, then you might like to consider the Save up account - resist the temptation to spend and you could earn bonus interest. 

Please note this information does not take into account your personal circumstances and is general advice only and is not intended to address all the terms and conditions that may be relevant to the use of an account. Before opening any Bank of us account, please read the Account & Access Facility Conditions of Use, Summary of Accounts, Availability of Access Facilities and Transaction Limits and our Schedule of Fees and Charges and decide if the account is right for you.

Interest rates are subject to change without notice and should can be verified at