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Whether you're just starting out, studying or saving, we have a wide range of products to suit your banking needs.


While saving might not sound like the most fun thing to do, it’s important to start thinking about the amount of money you’ll need in the future for doing the things you want to do – whether that is travelling, buying your first car or moving out of home.

If you’re just starting out in your career or if you’ve got a part-time or casual job, you’re probably starting to see your savings grow in your bank account. Here are a few tips you can do to help maximise your savings.

It sounds like pretty straightforward advice, but it really works. 

It could be a good idea to make a list of where your money goes each week. You might be surprised how quickly your daily takeaway coffee or energy drink adds up over the week. Once you know your spending habits, you can start looking at ways to cut back your spending – like bringing your lunch from home rather than buying it every day. A few changes each week can make a big difference to your savings in the long run.

How much of your pay do you actually need to get by during the week? Figure out how much you need for things like your phone bill and going out with your friends, and put the rest aside into a savings account. That way you won’t over spend each week and your savings can earn interest and start to grow. 

Doing a little bit of research before you make any purchase can be an easy way to save money. Even if it means waiting a little longer before buying whatever it is you want, you’ll often find great discounts and sales if you search around. 

Get the right account for you! With our Everyday Account you can enjoy unlimited free Newcastle Permanent ATM transactions, Eftpos transactions and branch withdrawals, and while all account owners are under 25, there is no monthly account keeping fees!

Get more from your money

Whatever your income, it’s important to have a secure account to help maximise your savings. That’s where we can help. We have a number of savings products designed to suit your lifestyle. 

Our Smart Saver Account for under 25's  is a flexible, high interest account, with which you can earn interest by simply growing your balance by $10 a month. You can even make up to two withdrawals each month and still be eligible to earn interest.

You will also enjoy:

  • A competitive interest rate
  • No ongoing account keeping fees
  • Unlimited free deposits
  • Free Internet Banking and mobile banking access

Or, if you prefer a little more flexibility with your savings account, our Online Savings Account might be right for you. This high interest personal savings account is designed to offer you maximum flexibility with no monthly account or transaction fees, and no requirement to make minimum deposit or stop you from making withdrawals. To earn high interest simply ensure all account owners have an Everyday Account. Simply link the account to your Everyday Account and easily move your savings at any time using Internet Banking and mobile banking.

Buying your first wheels

Buying your first car can be one of the most exciting things you’ll do. It’s one of the biggest purchases you’ll make and you’ll always remember your first! 

To help you buy your car and get you on the road sooner, our great value personal loan could be the smart way to go. We have some of the most competitive rates in the country, meaning you can get your car paid off sooner and save on interest across the life of your loan.

See how much you can borrow with our easy to use loan calculator. Also note, having a guarantor (someone who can guarantee your loan payments) can help you get approval for a loan.

We’re here to help

Whatever your banking needs, we can help you reach your savings goals. To find out more, drop into a branch and chat to us today.

Banking for teens
Banking products suitable for youth

Reach your savings goals

With our Online Savings Account

Want to know more?

Contact us icon 13 19 87

Weekdays: 8am - 8pm
Sat - Sun: 8am - 4pm
or drop into your local branch

Here’s some more information for you: 

You should consider the Terms and Conditions in deciding whether to acquire, or to continue to hold these products. Fees and charges may apply.
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.
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.