Online savings with good rates and no balance growth requirement?

I used to be with UBank getting 5.5% interest but I switched to ING after they kept lowering the rate to like 4.75% because ING offered a better interest rate of 5%.

Not only have I discovered that ING lowered the rate to 4.8%, but now both require your balance to increase each month in order to get bonus interest.

So last month, I missed out on almost $50 interest because my nearly $13k balance slightly decreased by $150.

I’m not happy with banks using my money for free so I want to find a bank that has the highest rate without balance increase requirements. Anyone got any recommendations?

Posted Nov 5, 2025, 11:53 PM UTC

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