Smart Saver Account

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

Apply online now

Something for all ages A savings account that's tailored to your stage in life.
Grow monthly! Save faster with our high monthly interest rate.
Access your funds online Manage your money using our mobile and tablet banking apps.
Worldwide access Enjoy quick and easy access to your money wherever Visa is accepted.

Accelerate your savings.

Entire balance ∞

1.35

%

P.A.

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

The Smart Saver Account is a great fit if you've got a savings goal, need help budgeting for bills, or just want to start putting money away for a rainy day.

We’ve designed this account with you in mind - our high 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

Open now in 5 minutes Terms and Conditions

Entire balance ∞

1.35%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	$2.50
EFTPOS Fee	$0.60
Newcastle Permanent ATM Enquiry Fee	Nil
Newcastle Permanent ATM Withdrawal Fee	Nil

Smart Saver for under 25’s

Entire balance^ᴥ

2.05

%

P.A.

A savings account just for under 25s.

Whether it’s a kid’s first account, an account for teenagers saving for their first car or an account for young adults saving for exciting adventures, the Smart Saver Account will fit the bill.

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 month^ᴥ.

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

Find out more Open now in 5 minutes

Entire balance when all account holders are under 25ᴥ

2.05%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	$2.50
EFTPOS Fee	$0.60
Newcastle Permanent ATM Enquiry Fee	Nil
Newcastle Permanent ATM Withdrawal Fee	Nil

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

You also get access to...

Similar savings products

Get in touch

Call 13 19 87
Make an enquiry
Find a local branch

Find a local branch or ATM

You may notice a few changes in our branches such as social distancing and additional hygiene measures to protect customers and our people.

Address

Proximity (km)

Search for
ATM

Branch

View results as:
Map

List

View map

Here’s some information for you:

Interest rates effective as of 05/04/2020 and are subject to change without 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 on Visa payWave, drop into your local branch, visit www.visa.com.au or call 13 19 87.

^{^^}For more information about ‘Everyday Transactions’, refer to the product schedule.

® Registered to BPAY Pty. Ltd. ABN 69 079 137 518

^Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.

Smart Saver Account

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

Accelerate your savings.