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People First Bank · Savings account

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Dream Fund

Pays 5.15% p.a. total (0.01% base plus 5.14% bonus) as of 17 September 2026. Ranks 29th of 93 savings accounts tracked by BankMate, 0.29 points above the average of 4.86%. The rate last rose on 1 April 2026, 14 days after the RBA raised the cash rate to 4.10%.

5.15%p.a.

0.01% base + 5.14% bonus · bonus up to $100,000 · unlimited withdrawals · variable

Go to People First Bank

Rate over time

Total rate, conditions met
  • Dream Fund
  • RBA cash rate
  • Market average
4.004.505.00MarMayJulToday5.15% p.a. today

Position among 93 accounts

By month, end of month
  1. Feb 2026: ranked 23 of 46
  2. Mar 2026: ranked 31 of 74
  3. Apr 2026: ranked 42 of 88
  4. May 2026: ranked 58 of 91
  5. June 2026: ranked 61 of 91
  6. July 2026: ranked 63 of 92
  7. Aug 2026: ranked 63 of 92
  8. Sept 2026: ranked 29 of 93
Feb 2026This month

In the top 50% for 4 of the last 8 months. Its lowest was #63 of 92 in July 2026.

Changes

1 on record since 1 Mar 2026
  1. 4.50 → 4.75Bonus rate · 14 days after the RBA rise to 4.10%
    +0.25

Conditions for the bonus rate

Checked each month
Balance growth
$1/month
Balance range
$0 - $100,000

On your balance

Saved with your preferences
Interest this year
—
Each month
—
Against the average account (4.86%)
—
Rate by balance
Up to $100k
5.15%
$100k+
4.15%

Notes from savers

to leave a note.