For personal customers logging on to Internet Banking for the first time, you must first log in from our website to set a new password before you can log on to our new App. Enter your member number in the Customer ID field and your existing six digit access code in the password field - Learn more

Dismiss

We use cookies to provide you with the best possible online experience. Read more

Dismiss
Navigation

BSB 650 000

Smart Saver Account

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

Apply online now

Accelerate your savings.

  • Smart Saver Account Overview

    Smart Saver Account

    Entire balance ∞
    2.75
    %
    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 - it's a 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

    Entire balance ∞ 2.75%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 $2.50
    EFTPOS Fee $0.60
    Newcastle Permanent ATM Enquiry Fee $0.30
    Newcastle Permanent ATM Withdrawal Fee $0.60
    Westpac Group ATM Enquiry Fee^ $0.30
    Westpac Group ATM Withdrawal Fee^ $0.60

  • Under 25's Account Overview

    Smart Saver for under 25’s

    Entire balanceᴥ
    3.00
    %
    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, this 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 when all account holders are under 25ᴥ 3.00%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 $0.30
    Newcastle Permanent ATM Withdrawal Fee $0.60
    Westpac Group ATM Enquiry Fee^ $0.30
    Westpac Group ATM Withdrawal Fee^ $0.60

  • 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
    Interest Calculated
    Daily
    Interest Calculated
    Daily
    Interest Calculated
    Daily
    Interest Calculated
    Daily
    Interest Paid
    On the last day of each calendar month
    Interest Paid
    On the last day of each calendar month
    Interest Paid
    On the last day of each calendar month
    Interest Paid
    On the last day of each calendar month
    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.

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 1 business day (Monday to Friday).

    All information is required unless otherwise stated as optional.

    One of our friendly Member Service Officers will respond to your enquiry within 1 business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Home Loan Experts will respond to your enquiry within 1 business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Personal Loan Experts will respond to your enquiry within 1 business day.

    All information is required unless otherwise stated as optional.

    Acknowledgement
    This field is required
    This field is required
    This field is required
    Personal Details
    This field is requiredYou exceeded the maximum length
    This field is requiredYou exceeded the maximum length

    No results

    Enter manually
    Address lookup
    Address PO Box
    This field is required
    This field is required
    This field is required
    This field is required
    This field is required
    Are you a member?
    Hint
    You exceeded the maximum length
    Contact Details
    Please enter an valid email address. This field is requiredYou exceeded the maximum length
    This field is required
    Please enter the mobile number starts with 04. Mobile phone number should begin with 04 and must always be dialed with all 10 digits, e.g. 04yy yxx xxx This field is required
    Incorrect phone formatThis field is required
    Preferred Contact Method
    Preferred Contact Time
    Preferred Contact Time
    Preferred Contact Time
    Preferred Contact Time
    Product Enquiry
    Loan details
    You exceeded the maximum lengthThis field is required

    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.

    Hint
    This field is required
    You exceeded the maximum lengthThis field is required
    Max. 2,000 characters
    This field is required

    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:

    Search for
    View results as:
    View map
    * We have arranged for our members to have access to more than 3,000 ATMs Australia wide. This includes all Newcastle Permanent ATMs and Westpac Group ATMs. Westpac Group ATMs are the network of ATMs operated by Westpac Banking Corporation, St. George Bank, Bank SA and Bank of Melbourne. Fees and charges may apply to ATM transactions. Please see the product terms and conditions for details. Fees associated with using an ATM other than a Newcastle Permanent ATM or a Westpac Group ATM, are unascertainable.
    Terms of Use:
    The Locator Service ("the service") is provided by Westpac Banking Corporation ABN 33 007 457 141, with some elements of the service being provided by third parties (including but not limited to eHound Pty Ltd ABN 34 097 056 570). Newcastle Permanent Building Society Limited ("Newcastle Permanent") does not provide the service and has no control over the availability or accuracy of the service. Your use of this service is governed by the Terms of Use of Newcastle Permanent's websites and Newcastle Permanent's Privacy Statement.
Here’s some information for you:
Interest rates effective as of 25/09/2017 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.
^ATMs include both Newcastle Permanent branded and Westpac Group ATMs. Westpac Group ATMs are the network of ATMs operated by Westpac Banking Corporation, St. George Bank, Bank SA and Bank of Melbourne.
~ 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.