AMP Bett3r Offset Account

The easier way to reach your goals
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Make budgeting easier and get help to own your home sooner. With an AMP Bett3r Offset Account, you could save thousands of dollars.

It’s simple. The money in your AMP Bett3r Offset Account (Bett3r) is offset against your home loan balance each day. This means you only pay interest on the remaining portion of your loan.

Bett3r also assists you to reach your other goals. With three linked accounts – Bett3r Pay (Pay), Bett3r Save (Save), Bett3r Spend (Spend) – Bett3r helps you automatically pay bills, save and know what’s left to spend. The money in all three accounts is offset against your loan balance. Best of all, you may be eligible for Bett3r Rewards.

Bett3r may suit if you’re:

  • an AMP Bank home loan customer
  • wanting to pay less interest on your home loan
  • after an easy automated way to help you manage your budget
  • looking to set up multiple savings goals and see your progress.

Here’s what you get:

  • three linked offset accounts (Pay, Save, Spend) to help you budget
  • the Bett3r app so you can manage your money on the go
  • Bett3r app alerts to help keep you on track
  • Bett3r Rewards (where eligible)

If you're not an AMP Bank home loan customer, or your home loan is not eligible to have an offset account attached to it, you might be eligible for an AMP Bett3r Deposit Account. You might also be eligible to earn bonus interest. See the AMP Bett3r Deposit Account page for further details.

Are you an AMP Superannuation Account or AMP Pension Account holder? See what Bett3r Rewards you may be eligible for.


AMP Bett3r Account

2018 winner for Regular Saver award
by Mozo. Find out more at


AMP Bett3r Account

2017 winner for Best Savings Account
by Finder. Find out more at

Budget less. Live more.
Now that's Bett3r

Apply for an account in less than 5 minutes

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To find out more call us on:

13 30 30

Monday to Friday
8am - 8pm (AEST)
Saturday and Sunday
9am - 5pm (AEST)

Lost / Stolen Card 24 hours 7 days

Here's what a customer had to say1

"You only have to make small changes now to make a big change in the future."
- Joshua, Bett3r customer 

New to Bett3r?

Find out how Bett3r works.

Already using Bett3r?

Check out how to manage your AMP Bett3r account.

Get some help with your AMP Bett3r Account Journey with instructional videos to assist you every step of the way. 

All money in your Pay, Save and Spend accounts will offset your home loan. This could save you thousands of dollars in interest.
Note: Any offset balance in excess of your loan balance does not accrue interest.

The AMP Bett3r Offset Account doesn't have any monthly account fees, unless it is linked to a Basic home loan.  In this case there is a $6 Monthly Account Management Fee. See the Deposit products fees and charges guide for more details, including fees for special services.

Effective date 10 July 2016

These rates are variable and are subject to change.

AMP Bett3r Account (Offset) Interest rate
Bett3r Pay 0.00% pa
Bett3r Save 0.00% pa
Bett3r Spend 0.00% pa

Australian Government guaranteed deposits

The Australian Government provides a guarantee of combined savings balances with an authorised deposit taking institution up to $250,000 per customer. Our AMP Bett3r Offset Account is covered under the government guarantee.

For more information visit


Open your AMP Bett3r Account today - call us on 13 30 30


Got a question?

Take a look at our frequently asked questions or give us a call on 13 30 30 Monday to Friday 8.00am - 8pm (AEST), Saturday and Sunday 9am - 5pm (AEST).

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Important information

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It’s important to consider your particular 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.

This information is provided by AMP Bank Limited. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

The credit provider and product issuer is AMP Bank Limited 15 081 596 009, AFSL and Australian Credit Licence 234517.

1 Joshua is an AMP Bett3r Account customer and his review is his genuinely held opinion. Joshua has not received a benefit/incentive for his review. See the AMP Bett3r Account Rewards Rules for further details.