Savings vaults now pay 3.8% AER, paid every day
From today, every savings vault in Artea earns 3.8% AER. Interest is worked out on your balance at the end of each day and lands in the vault the next morning, so it starts earning interest of its own straight away.
There’s no minimum balance and no limit on how many vaults you open. Money moves between vaults and your main account whenever you like, unless you choose to lock a vault.
How the new rate compares
| Before | From 1 March 2026 | |
|---|---|---|
| Rate (AER, variable) | 2.9% | 3.8% |
| Interest paid | Monthly | Every day |
| Minimum balance | None | None |
| Notice to withdraw | None | None, unless you lock a vault |
On a $5,000 balance, 3.8% AER works out at about $15.50 in the first month, paid as roughly 51 cents a day.
Ways to fill a vault
Round-ups
Round each card payment up to the nearest dollar, and the spare change goes into the vault you choose.
Scheduled top-ups
Move a set amount on payday, every week or every month, and forget about it.
Locked vaults
Lock a vault until a date you choose, for a trip or a deposit, so the money stays put until you need it.
