UBank give 5.5% for balance up to100k (savings account) so you can withdraw if you want only condition is to deposit $500 per month which you can withdraw next day and still get 5.5% interest. I park my fund in there.
if you have more then 100k then they give 5% for cash above 100k but under 250k so average 5.2%. AmP also has similar 5.2% flat with only condition to deposit 1000 per month which you can withdraw next day and still earn 5.2%.
i thought of hybrid but government talking about withdrawing so I didn't think much on that. But he bride come with franking!
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