The upside of higher interest rates is that you might get more on your money in the bank. But it turns out that anyone who uses a 'bonus' account (which is where the banks offer the best rates) must satisfy the terms and conditions each month.And guess what?  More than 40 per cent of savers in this category don't meet their T&Cs each month - that means they don't get the rate rise. With rates rising it’s time to get across the numbers. 

In today's show, we cover:

Sally Tindall, data insights director at Canstar joins Associate Editor, James Kirby in this episode.

In today's show, we cover:

• The best cash and borrowing rates in the market
• How the other half gets short-changed - with bonus rates
• Should you ever use a bank you never heard of?
• The NDIS...is there a way out of the mess for the government?