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BSB 650 000

Smart Saver Account for Under 25s

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

Apply now
  • interest rates icon Grow monthly! Save faster with our high monthly interest rate
  • access icon Flexibility Make up to two withdrawals within the month and still earn interest
  • Industry packages Great rewards Be rewarded for growing your balance each month
  • international services icon Worldwide access Enjoy quick and easy access to your money wherever Visa is accepted

Speed up your savings.

  • Smart Saver for under 25s Overview

    Smart Saver for youth

    Entire balance when all account holders are under 25ᴥ
    1.40
    %
    P.A.

    Save faster with a great monthly interest rate

    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.

    • Pay no monthly account keeping fees – ever
    • Be rewarded for growing your balance each month

    Entire balance when all account holders are under 25ᴥ 1.40%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

  • Accessing your money

    Enjoy quick and easy access to your money.

    Plus, you can enjoy the convenience of a Visa Debit Card – giving you 24/7 access to your money wherever Visa is accepted around the world. And with no monthly account keeping fees you can hit your savings goals faster.

    • Enjoy quick and easy access to your money wherever Visa is accepted.
    • Do your banking on the go and easily access your money using our family of mobile and tablet banking apps.

  • 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
    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

  • Locate us Find a local branch

    Find a local branch or ATM

    You may notice a few hygiene and social distancing changes in our branches to protect customers and our people. If you are feeling unwell, please bank from home using the app, internet banking or call our local call centre team. 

    With many customers now choosing contactless ways of banking, you will find these branches open on a Saturday morning: Waratah, Wallsend, Greenhills, Charlestown Square, Raymond Terrace, Glendale, Kotara, Mount Hutton, Swansea, Erina, and Tuggerah.

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Interest rates effective as of 03/03/2021 and are subject to change without notice.
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.
You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
^^For more information about ‘Everyday Transactions’, refer to the product schedule.
^Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.
® Registered to BPAY Pty. Ltd. ABN 69 079 137 518