CommBank GoalSaver vs NAB Reward Saver
Rates and conditions verified 14 June 2026
Rates can change without notice. Last verified: 14 June 2026 (AEST). Please confirm details on the bank’s official page.
Two big-four bonus savers with easy monthly conditions. Both reward simple saving behaviour rather than card spend — so it's about which condition fits your habits and where you bank.
At a glance
| CommBank GoalSaver | NAB Reward Saver | |
|---|---|---|
| Maximum rate (p.a.) | 5.00% | 5.00% |
| Ongoing / base rate (p.a.) | 0.25% | 0.01% |
| Condition to earn it | One deposit + finish the month with a higher balance | One deposit + no withdrawals during the month |
CommBank GoalSaver
Condition: One deposit + finish the month with a higher balance
Best for: CommBank customers who want a simple grow-your-balance condition and branch access
- • No card-purchase requirement
- • No minimum deposit
- • Australia's largest bank
NAB Reward Saver
Condition: One deposit + no withdrawals during the month
Best for: NAB customers happy to leave the balance untouched each month for the bonus
- • No card-purchase requirement
- • No minimum deposit
- • Bonus on all balance tiers
The verdict
Both are easy big-four bonus savers with no card-spend hoops, so pick on condition style and banking relationship. CommBank only asks that you finish the month higher than you started — fine if you might dip in occasionally, as long as you end up ahead. NAB pays the bonus if you make a deposit and take nothing out, which rewards leaving it alone but penalises any withdrawal. Compare the current rates above; both typically trail the leading challenger savers, so weigh them against the wider market if rate is your priority.
FAQs
Which has easier conditions, CommBank GoalSaver or NAB Reward Saver?
It depends how you save. CommBank only requires your closing balance to beat your opening balance, so an occasional withdrawal is fine if you still finish ahead. NAB requires no withdrawals at all in the month, so it suits money you can leave completely untouched.
Do either require card purchases?
No — neither the CommBank GoalSaver nor the NAB Reward Saver requires debit card purchases, which sets them apart from accounts like ING. Both also have no minimum deposit.
Related guides
Information verified 14 June 2026. Rates are variable and subject to change. Confirm current rates and conditions on each provider's website before applying. This is not financial advice.