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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 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:

  • No monthly account keeping fee.
  • 2 free everyday transactions each month^^.
  • Manage your account 24/7 using our app or internet banking.
  • Open and operate your account securely online, guided by our security advice.
Open in 5 minutes

Smart Saver Account perks

Bonus interest

When you grow your balance and make no more than 2 withdrawals each month.∞

Standard rate

Earn a standard rate of interest each month on your savings.∞

Fewer fees

No monthly account keeping fee.

Online access

Use our app or internet banking to manage your account 24/7.

Safe and secure

Security features to help keep your money safe from scams.

Smart Saver Account

Entire Balance (including standard and bonus interest rate∞) 4.50 % p.a.

Working smarter, not harder

Find out all the finer details below and open an account online in minutes.

Open in 5 minutes

Terms and Conditions

 

Rates are effective as at 9am Thursday 18/06/2026 and are subject to change without prior notice.

Smart Saver Account

Balance Standard variable rate Bonus rate Standard + bonus
Portion of the balance below $50,000∞ 0.05% p.a. 4.45% p.a. 4.50% p.a.
Portion of the balance between $50,000 - $100,000∞ 0.05% p.a. 4.45% p.a. 4.50% p.a.
Portion of the balance between $100,000 - $250,000∞ 0.05% p.a. 4.45% p.a. 4.50% p.a.
Portion of the balance $250,000 and above∞ 0.05% p.a. 4.45% p.a. 4.50% 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 Nil
Newcastle Permanent ATM enquiry feeΔ  Nil
Newcastle Permanent ATM withdrawal feeΔ   Nil

Smart Saver Under 25s

Speed up your savings

Our Smart Saver Under 25’s Account is designed specifically for younger customers, offering a higher interest rate to help grow those goals. 

Sit back and save knowing you’ll earn a standard rate of interest on your savings with the option to access your money if you need it.ᴥ

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

Clever cookies will enjoy the following account features:

Bonus interest when you grow your balance and make no more than 2 withdrawals each monthᴥ.
No monthly account keeping fee.
2 free everyday transactions each month^^.
Manage your account 24/7 using our app or internet banking.
Parents/guardians can be given authority to operate the account until the child turns 14 and can request sole access.
Rates are effective as at 9am Thursday 18/06/2026 and are subject to change without prior notice.

Smart Saver Under 25s Account

Balance Standard variable rate Bonus rate Standard + bonus
Portion of the balance below $50,000ᴥ 0.05% p.a. 5.70% p.a. 5.75% p.a.
Portion of the balance between $50,000 - $100,000ᴥ 0.05% p.a. 4.95% p.a. 5.00% p.a.
Portion of the balance between $100,000 - $250,000ᴥ 0.05% p.a. 4.95% p.a. 5.00% p.a.
Portion of the balance $250,000 and aboveᴥ 0.05% p.a. 4.70% p.a. 4.75% 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 Nil
Newcastle Permanent ATM enquiry fee Nil
Newcastle Permanent ATM withdrawal fee Nil
Open in 5 minutes Terms and Conditions

FAQs

To see all FAQs visit our help & support page.

Log on to 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 for internet banking 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 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.
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Bank where you're a winner.

Mozo People's Choice 2025 - Most Recommended

Winner - Most Recommended

Mozo | 2025

 

Bank of the Year - Customer Service

Money magazine | 2025

 

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Get in touch

Speak to a local

Our friendly Newcastle Permanent contact centre are here to help.

Call 13 19 87

Make an enquiry

Get in touch with us online, and we'll get back to you as soon as possible.

Make an enquiry

Visit your branch

Find the Newcastle Permanent branch that's closest to you.

Find your local branch

Δ No transaction fees apply for a successful cash withdrawal or account balance query using your Newcastle Permanent Visa debit card at any Newcastle Permanent, Greater Bank, ANZ, NAB, Commonwealth Bank or Westpac ATM across Australia.

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, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure. All account holders must be under 25 years of age as at the first 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, you must grow your balance by any amount (excluding interest earned) from the first to the last day of the month and make no more than 2 withdrawals within the calendar month. If an account is closed, no bonus interest will be payable for the month of closure.  

For more information on how we handle your data and how it is securely stored, read our Privacy Policy.

^^ 'Everyday transactions' consist of branch withdrawals. For more information refer to the product schedule.

Find more information on the Mozo Experts Choice Awards 2025 and Mozo People's Choice Awards 2024 and 2025 awards research methodology at Mozo.

Terms and conditions apply for internet banking and the banking app.