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Personal Banking Products


With our in1Account, you will enjoy a minimum base rate of 4% (before bonus) and no monthly account keeping fee. It is our combined transaction and savings account that helps you stay ahead of your finances.



通过合壹银行的合壹账户,您将享受极具吸引力的 4% 最低基本利率(不包含奖励利率),并且无需支付月费。 我们多功能、灵活的交易账户可帮助您轻松掌握财务状况。

QR pay

Enjoy free, easy, and instant transfers between in1bank customers by using our QR pay feature without the need to disclose any personal information, such as, mobile phone numbers or email addresses.

  • Quick and easy to scan.
  • Instant and real-time payment.
  • Ability to verify the recipient before payment.



  • 快速且轻松扫描。
  • 即时、实时付款。
  • 付款前核实收件人。

Access to bonus rates

Additional bonus rates available on top of the base rate.

  • Earn more by saving more.
  • Earn a bonus rate by depositing $2,000 each month.

Deposit at least $2,000 per month and you will receive an additional 0.1% on your base rate across the entire account balance.



  • 储蓄更多,赚取更多。
  • 每月存入2,000澳元即可额外赚取利率奖金。


Interest rates tiers

Note that the rates are calculated based on each section of the account balance.

Tier 1$0-$50,000Base rate
Tier 2$50,001 to $100,000Base rate +0.10%
Tier 3$100,001 to $200,000Base rate +0.15%
Tier 4$200,001 to $250,000Base rate +0.20%

The above rates are valid from 14/8/23, for more information on our rates see our terms and conditions.



第 1 级$0至$50,000基本利率
第 2 级$50,001至$100,000基本利率+0.10%
第 3 级$100,001至$200,000基本利率+0.15%
第 4 级$200,001至$250,000基本利率+0.20%

上述利率自2023年8月14日起生效,有关利率的更多信息,请参阅我们的条款和条件 . .

Payment notifications

Use payment notifications to keep track of payments received. Notifications can be enabled on up to 2 mobile phones.



Joint accounts

in1bank values the precious bonds which our customers have with their family members and loved ones. Our in1JointAccount allows you to have shared visibility on your finances and to pool funds together. Your in1JointAccount will have access to the same great features and products as our in1Account.



To get started today, download the in1bank app

Begin your mobile digital journey towards financial success with in1bank, your trusted banking partner.

Download on the App Store  Get it on Google Play

Experience the convenience, value and personalised service that in1bank offers. Join our growing family of satisfied customers and benefit from our expertise and commitment to excellence



从 App Store 下载在 Google Play 上获取

Disclaimer: It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.
Any application is subject to approval by in1bank. Terms and conditions apply and are available at Fees and charges may be payable.

This information is provided by in1bank Limited. Read our Financial Services Guide available at for information about our services, as well as our target market determination. All information on this website is subject to change without notice.

Apple, Apple Pay, the Apple logo, and the Apple Pay logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

Google, Google Play, Google Pay, Google Cloud Platform, the Google logo, the Google Play logo, the Google Pay logo, and the Google Cloud Platform logo are trademarks of Google LLC., registered in the U.S. and other countries.




此资料由in1bank Limited(合壹银行)提供。请参阅我们的金融服务指南(以了解我们的服务信息,以及我们各产品的目标市场定位文件。本网站的所有资料如有更改,恕不另行通知。

Apple、Apple Pay、Apple的标志和Apple Pay标志是Apple Inc.在美国和其他国家注册的商标。App Store是苹果公司在美国和其他国家注册的服务商标。

Google、Google Play、Google Pay、Google Cloud Platform、Google的标志、Google Play的标志、Google Pay的标志和Google Cloud Platform的标志均为Google LLC.在美国和其他国家和地区注册的商标。