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BSB 650 000

Banking for under 25s

We have a great range of everyday accounts and savings accounts designed especially for young people.

Compare Savings Accounts

Save smart and get a head start

For a limited time open a Smart Saver account for your child and we’ll pop in 
$10, and they’ll receive a free moneybox*.

Read More

Opening an account takes just #5minutes

  • Under 25s Everyday Account

    Everyday Account for under 25s

    • Shop online or travel the world with your Visa Debit Card**
    • Free Newcastle Permanent ATM transactions
    • No account keeping fees

    Do your banking on the go and easily access your money using our family of
    Mobile Banking Apps.

  • Under 25s Savings Account

    Smart Saver Account for under 25s

    Designed to encourage saving, this high interest account is simple to use and has no monthly account keeping fees.

    • High interest rate
    • Make 2 withdrawals per month and still be eligible for interestᴥ
    • Access to your money whenever, wherever you are with your Visa Debit Card**

    Do your banking on the go and easily access your money using our family of mobile
    and tablet banking apps.

  • Savings Account Comparison

    Compare our savings accounts

    Whatever you’re saving for, our great range of savings accounts can help get you there sooner.

    Smart Saver Account Smart Saver for under 25s Online Savings Account Special Monthly Interest Account
    Account Overview
    Product Description
    Give your savings a kick-start, and enjoy easy access to your money with this high interest account
    Product Description
    A high interest savings account that rewards you for regular saving
    Product Description
    A flexible savings account you can manage online
    Product Description
    An everyday bank account with competitive interest for pensioners or retirees (over 55 years of age)
    View Product Page
    View Product Page
    View Product Page
    View Product Page
    Interest Rates
    View Interest Rates
    View Interest Rates
    View Interest Rates
    View Interest Rates
    Fees and Charges
    Account Keeping Fee
    Nil
    Account Keeping Fee
    Nil
    Account Keeping Fee
    Nil
    Account Keeping Fee
    Nil
    Additional Benefits
    Visa Debit Card**
    Yes
    Visa Debit Card**
    Yes
    Visa Debit Card**
    No
    Visa Debit Card**
    Yes
    ATM/EFTPOS
    Yes
    ATM/EFTPOS
    Yes
    ATM/EFTPOS
    No
    ATM/EFTPOS
    Yes
    BPAY®
    Yes
    BPAY®
    Yes
    BPAY®
    No
    BPAY®
    Yes
    Internet Banking
    Yes
    Internet Banking
    Yes
    Internet Banking
    Yes
    Internet Banking
    Yes
    Personal cheque book
    No
    Personal cheque book
    No
    Personal cheque book
    No
    Personal cheque book
    Yes

Our everyday accounts are designed for everyday spending, whenever and wherever you are.

Get in touch

  • Contact us Call 13 19 87

  • Enquiry Make an enquiry

    One of our friendly Financial Advisers will respond to your enquiry within one business day (Monday to Friday).

    All information is required unless otherwise stated as optional.

    We will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Home Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Personal Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

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    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.

    Security against Loan

    The car should be less then eight years old and for personal use only.

    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.

    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    Financial statements for the past two financial years will be required to support your application.

    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.

    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.

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    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.

    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.

    Here’s some information for you : Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.

    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.

  • Locate us Find a local branch

    Find a local branch or ATM

    Find a Newcastle Permanent Branch or ATM* by typing in the suburb or postcode below:

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Here’s some information for you:
Interest rates effective as of 27/06/2019 and are subject to change without notice.
*Offer available for new Smart Saver Accounts opened by a parent or guardian on behalf of a child under 16 years of age. Account must be opened by 30 June 2019. Offer may be redeemed only once per child and will be deposited to the Account by the end of the month in which the Account was opened. Herbie available while stocks last. Offer may be varied or withdrawn at any time. For important information about this offer and our Smart Saver Account visit newcastlepermanent.com.au/kids-banking. Product Terms and Conditions apply. The Canstar 5-Star Rating Award was awarded on 2 April 2019 for the Smart Saver Account (Under 25) for the Junior Saver category. This information has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on this information, you should consider its appropriateness having regard to these matters and the product Terms and Conditions. Newcastle Permanent Building Society Limited ACN 087 651 992, Australian Credit Licence/Australian Financial Services Licence 238273
You should consider the Terms and Conditions. Fees and charges may apply.
ᴥ Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $10 higher than the opening balance on the first day of that month (excluding any amounts of interest earned on the account in that month) and no more than 2 withdrawals have been made from the account during that month. You and any other account holder of your Smart Saver Account must be under 25 years of age as at the last day of that month to be eligible for this interest rate.
** Newcastle Permanent Visa Cards are accepted anywhere, where Visa is accepted worldwide.
~ For more information on Visa payWave, drop into your local branch, visit www.visa.com.au or call 13 19 87.
® Registered to BPAY Pty. Ltd. ABN 69 079 137 518