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BSB 650 000

Smart Saver Account

Open an account online in minutes and kick start your savings.

Open in 5 mins

Step up your savings game

Use our Smart Saver Account to put money aside and work towards your savings goals. Be rewarded for growing your balance but enjoy the flexibility of accessing your funds if you need to from time to time.

Grow your balance by $150 each month and make no more than 2 withdrawals to be eligible for interest each month∞. Be smart about your savings and enjoy the following account features:

  • No monthly account keeping fee
  • Access to your money wherever Visa is accepted
  • 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.

Download now FAQs

Smart Saver Account perks

  • percent icon Grows monthly If you grow your balance by $150 and make no more than 2 withdrawals each month∞.
  • 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 money across any device.
  • visa card icon Flexibility Two free everyday transactions each month wherever Visa is accepted.

  • Account details

    Smart Saver Account

    On entire balances
    4.50
    %
    P.A.

    Working smarter, not harder

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


    Entire balance up to $50,000∞ 4.50%p.a.
    Entire balance $50,000-$100,000∞ 4.50%p.a.
    Entire balance $100,000-$250,000∞ 4.50%p.a.
    Entire balance over $250,000∞ 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 Fee Nil
    Newcastle Permanent ATM Withdrawal Fee Nil

  • Smart Saver Under 25's Account

    Smart Saver for youth

    On entire balances when all account holders are under 25
    5.00
    %
    P.A.

    Speed up your savings

    Our Smart Saver Under 25’s Account is designed specifically for younger customers – whether it’s a first account or a dedicated account to save for future adventures.

    Simply grow your balance by $10 each month and make no more than 2 withdrawals to be eligible for a high rate of interest each monthᴥ.

    • No monthly account keeping fee for account owners under 25 years old
    • Access to your money wherever Visa is accepted^
    • 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

    Get the most out of your account with Your savings account guide.
    Entire balance up to $50,000ᴥ 5.00%p.a.
    Entire balance $50,000-$100,000ᴥ 5.00%p.a.
    Entire balance $100,000-$250,000ᴥ 5.00%p.a.
    Entire balance over $250,000ᴥ 5.00%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 $3.00
    eftpos Fee Nil
    Newcastle Permanent ATM Enquiry Fee Nil
    Newcastle Permanent ATM Withdrawal Fee Nil

Show your true colours

Brighten your world with our rainbow range of Visa Debit cards. Open a new account or renew your card to choose from six different colours that really stand out: Sunrise Pink, Ocean Teal, Jacaranda Purple, Sky Blue, Frost White or Cave Black. Play the cards your way and add to Digital Wallet straight after opening a new account without waiting for your physical card to arrive.

Open Everyday Account

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 20/04/2024 and are subject to change without prior 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. All account holders 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 about ‘Everyday Transactions’, refer to the product schedule.
^Must be 14 to apply for a Visa debit card.

Our BSB 650 000

©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273

General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.

 
Acknowledgement of Country

We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past, present and emerging.

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Authenticity, is an artwork commissioned by Newcastle Permanent created by Wiradjuri woman and artist Maree Bisby.