RAMS Saver pays a high bonus variable rate of 4.82% p.a. (that’s the variable base rate of 4.02% p.a. plus 0.8% p.a. variable bonus*) when the following monthly conditions are met: make deposits totalling at least $200 during the month, make no withdrawals during the month, and have an account balance that does not fall below $0 or exceed $500,000 at any time during the month.