Stats crunched by Mozo Experts
-
62Self Managed Super Fund Accounts
-
39Banks
-
5Award Categories
In this year’s awards our experts compared a long list of SMSF banking and saving accounts so everyday Aussies can invest in their future with confidence. So if you’re looking for a great deal on the deposit accounts for your self managed super fund, then this year’s winners list is a great place to start.
Standout Winners
Highly Commended SMSF Savings Bank
Highly Commended SMSF Savings Bank of the Year
Just like the Highly Commended awards for the personal and small business categories, this award recognises the providers with multiple wins across SMSF categories that are worthy of recommendation. The judges found that the top two institutions for Self Managed Super Funds savings were impossible to split as both offer outstanding deposit accounts.
Macquarie won awards in the two most important categories - No Strings and High Interest Savings - ensuring they have great rates for SMSF customers.
Rabobank was also competitive in the SMSF awards, taking wins in the Kick Start Savings and Term Deposit categories.
Congratulations to:
Macquarie and Rabobank
-
Cash Management Accelerator Account
- standard rate
- 4.40% p.a.(for $0 to $2,000,000)
- maximum rate
- No Current Offer
-
Term Deposit
- interest rate
- 3.80% p.a.
- minimum deposit
- $5,000.00
-
SMSF High Interest Savings Account
- standard rate
- 3.35% p.a.(for $0 to $250,000)
- maximum rate
- 4.80% p.a. (for $0 to $250,001)
-
Online Term Deposit
SMSF
- interest rate
- 3.85% p.a.
- minimum deposit
- $1,000.00
SMSF High Interest Savings
The winners in this category had the best ongoing savings rates for SMSFs, whether an unconditional base rate or rates where qualifying criteria must be met each month in order to get the best rate.
Congratulations to:
Bank First, Macquarie, and Qudos Bank
-
Cash Management Accelerator Account
- Maximum Rate
- No Current Offer
- Standard Rate
- 4.40% p.a.(for $0 to $2,000,000)
-
Bonus Saver
- Maximum Rate
- 4.35% p.a. (for $0 to $150,000)
- Standard Rate
- 0.05% p.a.(for $0 and over)
-
DIY Super Saver
- Maximum Rate
- 4.45% p.a. (for $10,000 and over)
- Standard Rate
- 0.35% p.a.(for $0 and over)
SMSF Kick Start Savings
The winners in this category were the best accounts for SMSFs looking to take advantage of market leading introductory rates, calculated on the total returns for the first 12 months of account ownership.
Congratulations to:
Rabobank
-
SMSF High Interest Savings Account
- Maximum Rate
- 4.80% p.a. (for $0 to $250,001)
- Standard Rate
- 3.35% p.a.(for $0 to $250,000)
SMSF No Strings Savings
The winners of this category offered the best unconditional ongoing rate for SMSF savings accounts in our assessment.
Congratulations to:
Australian Military Bank and Macquarie
-
Cash Management Accelerator Account
- Account Fee
- $0.00
- Standard Rate
- 4.40% p.a.(for $0 to $2,000,000)
-
DIY Super Saver Account
- Account Fee
- $0.00
- Standard Rate
- 3.75% p.a.(for $0 and over)
SMSF Term Deposit
The winners in this category were the financial institutions that consistently offer SMSF customers competitive interest rates across short, medium, and long term investments.
Congratulations to:
AMP Bank, Judo Bank, MOVE Bank, and Rabobank
-
SMSF Term Deposit
- Interest Rate
- 4.50% p.a.
- Minimum Deposit
- $1,000.00
-
Term Deposit
- Interest Rate
- 4.05% p.a.
- Minimum Deposit
- $5,000.00
-
Term Deposit
- Interest Rate
- 4.00% p.a.
- Minimum Deposit
- $5,000.00
-
Online Term Deposit
SMSF
- Interest Rate
- 3.85% p.a.
- Minimum Deposit
- $1,000.00
Now in their twelfth year, the Mozo Experts Choice Awards present an opportunity to highlight products in the market we believe offer great value to Australians.
For the 2025 SMSF Accounts awards, we analysed 62 SMSF products from 39 providers.
“Having a long term plan is very important when you’re looking after your own superannuation. But it’s also important to make sure the building blocks you choose are all working in support of the end goal and this means having the right banking and savings products in your investment mix," Mozo Experts Choice Awards Judge Peter Marshall said.
“This year’s awards have identified the accounts that are more likely to offer the best rates on any cash component in your fund, whether that’s for a few weeks, months or many years.”
For details on how we crunched the numbers and determined our winners, see the 2025 Mozo Experts Choice SMSF Accounts Awards methodology report.
Our Expert Judges
We couldn’t have a name like the Mozo Experts Choice Awards without a dedicated and experienced team of product data analysts at the helm. Combined they have decades of experience behind them. Meet them below.
-
AJ Duncanson
-
Peter Marshall
-
Meredith Allan
-
George Hirst
-
Rumpa Saha
-
Afia Asha
FAQs
What’s the Judging Criteria for the awards?
Running since 2014, the Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers. See our Mozo Experts Choice SMSF Accounts Awards methodology report for more detailed information on how we performed product comparisons and determined the final SMSF Accounts Award winners for 2025.
Did you compare all SMSF accounts in the market for these awards?
For the Mozo Experts Choice Awards, we aim to include most SMSF account providers in the market. However, not every financial institution or product on the market will be included in our review. Any product we review must be available in the market at the time of our analysis.
Who are the Mozo Experts?
The Mozo Experts Choice Awards are overseen by AJ Duncanson and Peter Marshall. AJ is Mozo’s Data Director, a data scientist and actuary who has worked in financial services and product comparison for over 30 years. Peter has been in the industry even longer, and as Mozo's Financial Services Specialist he contributes to the team of analysts that gather information and compare products every day, and oversees the calculations and data quality used for producing the Mozo Experts Choice Awards.
I work for a financial institution, how do we promote our win?
Please get in touch with us to discuss by email should you have any queries.