Boost Saver
The high Bonus interest account savings account bundled with a Go Account that beefs up both your savings and your points balance. {sub-heading}
Our rates are changing
Notice: From 18 February 2026, the Bonus Interest Rate on your Boost Saver will change to 3.65% p.a. on combined total balances of $250,000. Bonus Interest is earned when you meet monthly criteria each month.
Lock down the maximum interest
{banking-rates || b4 || rate}%p.a.{rate-display}
Base + bonus interest rate when you meet the monthly criteria34
{banking-rates || b6 || rate}%p.a.{rate-display}
Notice interest rate when you enable the Lock Saver Feature.34 32 day notice period applies to access funds.
{banking-rates || b7 || rate}%34p.a.{rate-display}
Total Highest Variable Interest rate.*
The bonus interest breakdown
Earn more bonus interest when you meet more monthly criteria.
Receive the {banking-rates || b4 || rate} p.a.% base and bonus interest rate on balances up to $250,000 when you:
- Drop $1,000 or more into your linked Go Account each month.
- Make at least 5 settled (not pending) Visa Debit card purchases per month on your linked Go Account. (That includes direct debits and BPAY payments!)
To get the additional {banking-rates || b6 || rate}% p.a. Notice Saver interest rate on balances up to $250,000:
- Turn on the Lock Saver feature in the app (customers aged 18+ only) and give 32 days’ notice to unlock or withdraw.
- Making sure it’s savings you’re cool with not touching
Your 5K Bonus Points bank-warming gift
If receiving gifts is your love language, you’re going to be very happy here. Open a new Virgin Money Go Account and we’ll welcome you with 5,000 bonus Virgin Money Points. Simply make a minimum of one settled debit card purchase, direct debit or BPAY payment in the first 30 days.5
5K points = $20 gift voucher from one of our many retail partners, including JB HiFi, Amazon, Woolworths and Bunnings.
Offer ends 31/01/26. New customers only.
We’ve literally put banking into your hands
Our banking app is half handheld Finance Bro and half cheerleader, encouraging you to build better money habits and save like a pro.{sub-heading}
{"tag":"div","attributes":{"style":"display: flex; justify-content: center;"},"children":[{"tag":"video","attributes":{"autoplay":"","loop":"","muted":"","playsinline":"","width":"80%"},"children":[{"tag":"source","attributes":{"src":"https://virginmoney.com.au/content/dam/virginmoney/video-gif/goal-screen.mp4","type":"video/mp4"},"children":[]}]}]}
Manage Your Money, Your Way!
Open accounts right in the app and take control of your spending and bills with ease. Track, organise, and customise your finances – all in one place, all on your terms!
Set up for savings success
Put saving on autopilot by switching on the Round Up feature6, which rounds every Go Account transaction up to the nearest dollar and deposits the difference into your Boost Saver or Grow Saver account.
Handy links
Looking for something? You’ll probably find it here.
Find out about Virgin Money Rewards
Explore the Virgin Money App
Important Documents
Level up your savings game
Read up on real-talk savings tips that go beyond ‘Make your coffee at home’.
Get in touch
Questions? Curveballs? Just wanna say ‘Hi’? Hit us up.
Call us
If you need help with your Go, Boost Saver or Grow Saver accounts, give our team a call.
In-app chat
If we are not available right away or it’s after hours, we’ll respond as soon as we’re back on deck.
Profile > Help & Support > Contact Us
Operating hours
Monday to Friday: 8am – 8pm AEDT
Saturday: 9am – 5pm AEDT
(Excluding public holidays)
Learn more about our accounts
Virgin Money Go Account
The everyday transaction account that earns standard points for every settled eligible purchase using your debit card, direct debit and BPAY payment from your Go Account.1
Virgin Money Grow Saver
The ‘serious about savings’ account when you meet our Monthly Criteria and switch on the Lock Saver Feature35.
Banking that keeps up with you
Your money, your moves. Check balances, pay bills, and track spending – anytime, anywhere.
Frequently asked questions
Got a question about Boost Saver? See if the answer’s here in our most-asked questions.
What is a high interest savings account?
If I withdraw money from my Boost Saver, can I still get the Bonus Interest?
Do I need to deposit money into my Boost Saver each month?
When will my Bonus Interest get applied on my Virgin Money Boost Saver?
Can I get a Virgin Money Boost Saver without a Virgin Money Go Account?
Sorry, no. You can’t get a Boost Saver without a Go Account. But you can get rewards on your everyday purchases with our Go Account and a high bonus interest savings account when you meet the Monthly Criteria to help you manage your money your way. There aren’t many banks that reward you for everyday purchases in your bank account, but we do! And with no monthly account keeping fees.
If you don’t need an everyday bank account, but still want the perks of a dedicated savings account, check out our Virgin Money Grow Saver, which is our other bonus interest savings account. Check it out here
Do I need to download the app to apply for my account?
In short: yes and no. You can apply for an account through either the Virgin Money mobile app or our website. But you’ll need to download the app to manage your account.
We’ve designed the Virgin Money mobile app so you can bank like never before. It’s amazingly simple banking, so you can manage your money simply and securely, wherever and whenever you are. Give it a try! (And if you don’t love it, tell us why and we’ll do everything we can to make it better for you).
How to compare savings accounts?
When comparing savings accounts and deciding where to save your money, you should look for:
- Interest rates
- Account fees
- Account features
- Minimum requirements to access interest
You should have your personal savings goal in mind when comparing savings accounts to find which account best suits your needs and goals.
Which savings account is best for me?
The savings account that is best for you will depend on how you save and what your savings goals are. Each account will differ in the interest rate provided, requirements to access that interest rate and other features.
For example: The Boost Saver savings account offers a higher Bonus interest rate compared to the Grow Saver account, and a balance threshold of $250,000. This means that you will not be able to access the highest rate if your balance exceeds that amount. However, with the Grow Saver account, you can still earn interest on balances exceeding $250,000 and up to $5,000,000.
How often is interest paid on a high interest savings account?
When the interest paid on a savings account will differ for each bank. At Virgin Money, the interest you earn on your savings account will be credited at the close of business on the last day of each month.
The interest credited to your account will only be included in the closing balance from the first day of the next calendar month.