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Step up your savings game

Use our Smart Saver Account to put money aside and work towards your savings goals. Sit back and save knowing you’ll earn a guaranteed standard rate of interest on your savings with the option to access your money if you need it.

Plus, receive bonus interest when you grow your balance and make no more than 2 withdrawals each month.

Be a smarter saver and enjoy the following account features:

  • Bonus interest when you grow your balance and make no more than 2 withdrawals each month

  • No monthly account keeping fee

  • 2 free everyday transactions each month^^

  • Manage your account 24/7 using our app or internet banking.

Banking on the go?

There's an app for that.

  • Securely access your money any time
  • Check out faster in-store or online using mobile payments
  • Personalise, manage and open an account in seconds.

Smart Saver Account perks

  • money icon Bonus interest When you grow your balance and make no more than 2 withdrawals each month. ∞
  • percent icon Standard rate Earn a guaranteed standard rate of interest each month on your savings. ∞
  • thumbs up icon Fewer fees No monthly account keeping fee.
  • Join us on social Online access Use our app or internet banking to manage your account 24/7.

FAQs

To see all FAQs visit our help & support page

Log on the app and select ‘Profile’ from the bottom menu to find your 8 digit Customer ID. Otherwise select ‘Forgot Customer ID’ from internet banking and follow the prompts.

You'll need your customer ID and a few other personal details.

App:
  • Download the app via the App Store or Play Store and follow the prompts.
Internet banking:
  • Register via the Log on tab on our website and follow the prompts.

If you are registered for electronic communications, you will receive an email to let you know when your statement is available.

App:
  1. Log on and select the account you wish to view the statement for
  2. Tap on Statements
  3. Select the period you would like to view.
Internet banking:
  1. Log on
  2. Navigate to Accounts, and select ‘Statements’,
  3. Select the account you want to view the statements for, and the period you would like to search for,
  4. Select Search. All the available statements for the selected period will now display.

You can request a statement if you need a more recent record of your transactions.

Access your accounts

You may need to access your accounts from overseas, so make sure you know your app or internet banking password before you go.

Please contact us before you go to set up an alternative Transaction Password to use while travelling, this will ensure you can continue to access your accounts avoiding any issues overseas accessing your Australian mobile number to receive your SMS one time password.

Notify us of your travel plans

Let us know your travel plans via the app or internet banking so we can monitor your account activity overseas and provide better security for you.

To use the app to notify us of your travel plans:

  • Log on
  • Go to Profile
  • Select Overseas travel and follow the prompts.

To use internet banking to notify us of your travel plans:

  • Log on to internet banking and navigate to Services > Overseas travel,
  • Select 'Add trip'
  • Enter all countries you plan to visit including stopovers, and the dates you are travelling,
  • Use the checkboxes provided to let us know if you are planning to use your cards for ATM withdrawals, or for large purchases, 
  • Select ‘Save’.

Alternatively, you can call us on 13 19 87, or visit one of our branches to notify us. 

Contact us securely.

App:
  1. Log on and select the mail icon in the top-left of the screen
  2. Toggle to Create message and enter your details
  3. Click Send and keep an eye on your inbox for replies.
Internet banking:
  1. Log onto internet banking
  2. Navigate to Mail > Create message
  3. Enter your enquiry in the description field and upload any attachments
  4. Click Send and keep an eye on your inbox for replies.
Interest rates effective as of 22/06/2024 and are subject to change without prior notice.
ᴥ Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month. All account holders must be under 25 years of age as at the last day of that month to be eligible for a Smart Saver Under 25’s.
Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month.
^^For more information about ‘Everyday Transactions’, refer to the product schedule.