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BSB 650 000

Smart Saver Account

Give your savings a kick-start, and enjoy easy access to your money with our competitive interest account.

Apply online now

Read more about how to get the most out of your account in our Guide to your Smart Saver Account.

Accelerate your savings.

  • Smart Saver Account Overview

    Smart Saver Account

    On balances up to $50,000
    0.35
    %
    P.A.

    An account designed to help you reach your savings goal faster!

    The Smart Saver Account can help with your budgeting needs and is a great option for putting money aside and working towards your savings goals.

    We’ve designed this account with you in mind - our competitive interest savings account that rewards you for depositing, whilst understanding you need to make withdrawals from time to time.

    Simply grow your balance by $150 each month and make no more than 2 withdrawals and you will be eligible for interest each month∞.

    • No monthly account keeping fee
    • Access to your money whenever, wherever you are with your Visa Debit Card^
    • Free internet banking transactions online and via our banking apps
    Entire balance up to $50,000∞ 0.35%p.a.
    Entire balance $50,000-$100,000∞ 0.35%p.a.
    Entire balance $100,000-$250,000∞ 0.35%p.a.
    Entire balance over $250,000∞ 0.35%p.a.
    Free Everyday Transactions^^ You will receive two free 'Everyday Transactions' each month.
    Interest Calculated Daily
    Interest Credited On the last day of each calendar month
    Account Keeping Fee Nil
    Branch Withdrawal Fee $3.00
    eftpos Fee $0.60
    Newcastle Permanent ATM Enquiry Fee Nil
    Newcastle Permanent ATM Withdrawal Fee Nil

  • Under 25's Account Overview

    Smart Saver for youth

    On balances up to $50,000 when all account holders are under 25
    1.20
    %
    P.A.

    A savings account just for under 25s.

    A versatile account designed to suit the needs of our younger customers – whether it’s a child’s first account, or providing teenagers and young adults with a dedicated account to save for their first car or future adventures.

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

    Simply grow your balance by $10 each month and make no more than 2 withdrawals and you will be eligible for interest each monthᴥ.

    • No monthly account keeping fee
    • Visa Debit Card, over the counter and online access to your funds
    • Parents and guardians can be given authority on the account to keep track of spending
    Entire balance up to $50,000ᴥ 1.20%p.a.
    Entire balance $50,000-$100,000ᴥ 1.20%p.a.
    Entire balance $100,000-$250,000ᴥ 1.20%p.a.
    Entire balance over $250,000ᴥ 1.20%p.a.
    Free Everyday Transactions^^ You will receive two free 'Everyday Transactions' each month.
    Interest Calculated Daily
    Interest Credited On the last day of each calendar month
    Account Keeping Fee Nil
    Branch Withdrawal Fee $3.00
    eftpos Fee $0.60
    Newcastle Permanent ATM Enquiry Fee Nil
    Newcastle Permanent ATM Withdrawal Fee Nil

Our savings accounts have been designed to help you get ahead and accelerate your savings.

Get in touch

  • Contact us Call 13 19 87
  • Enquiry Make an enquiry

  • Locate us Find a local branch

    Find a local branch or ATM

    The safety of our people and customers is our top priority. In response to the evolving COVID-19 situation, we’ve made the following changes to our branch hours:

    • Our Grafton, Coffs Harbour, Port Macquarie, Taree, Foster and Tamworth branches have returned to normal opening hours in line with regional restrictions easing
    • All other branches have temporarily reduced hours of 9am-1.30pm from Mon-Fri.

    We recommend doing your banking from the safety and comfort of your home, but as an essential service we remain open for business. As a precaution, we may need to temporarily change the hours of our branches. Our locator tool will help you find an alternate branch close by. You can also download the app, internet banking or call our local call centre team. 

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Interest rates effective as of 28/09/2021 and are subject to change without prior notice.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. 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.
∞Interest is earned for every calendar month that your Smart Saver Account closing balance on the last day of the month is at least $150 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.
^^For more information about ‘Everyday Transactions’, refer to the product schedule.
® Registered to BPAY Pty. Ltd. ABN 69 079 137 518