Skip to Main Content

Deposit Accounts

The following documents all together form the Terms and Conditions that govern your account and should be read together.

Separately, for use of the Newcastle Permanent app for iPhone or Android, the relevant Banking App Terms also apply.

  • Savings Product Schedule (including Smart Saver Account, Smart Saver Account for Under 25s & Online Savings Account) (48kb)

Effective 1 June 2026, Newcastle Permanent will no longer be offering the Foreign (cashing) Cash repurchase service. Affected customers can speak to branch staff or contact us on 13 13 86 to discuss alternative options.

The following documents all together form the Terms and Conditions that govern your Value+ Credit Card and should be read together.

The purpose of a Target Market Determination (TMD) is to describe who a product is appropriate for (the target market), and any conditions around how the product can be distributed to customers.

We’re required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

If you require a previous version of a TMD or a TMD for a product no longer available please contact us.

Home lending:

Personal lending:

Everyday banking products:

Savings products:

Investment products:

Credit Card:

Can't find what you're looking for? Refer to the Products no longer available for sale.

The following documents together form the Terms and Conditions that govern your account and should be read together.

Business Accounts:

The following documents together form the Terms and Conditions that govern your investment account and should be read together.

Investment Accounts: 

Investment Product Schedules:

If you are registered for Business Internet Banking, refer to Terms and Conditions for Business Accounts above.

The purpose of a Target Market Determination (TMD) is to describe who a product is appropriate for (the target market), and any conditions around how the product can be distributed to customers.

Newcastle Permanent is required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

Business Products:

The following documents outline the Licence Agreement & Terms and Conditions for Newcastle Permanent banking app.

Newcastle Permanent “Survey Competition 2026” Promotion - Terms and Conditions

The Survey Competition commenced 1 January 2026 and will remain open until Thursday 31 December 2026. Terms and Conditions are available here.

Newcastle Permanent Online Cashback Offer - Terms and Conditions

The Online Cashback Offer commences 17 July 2024 and will remain open until withdrawn. Terms and Conditions are available here.

Newcastle Permanent 'State of Origin Round 2 Party 2026’ Promotion - Terms and Conditions

The 'State of Origin Round 2 Party 2026' offer commenced 4 May 2026 and closed 1 June 2026. Terms and Conditions are available here.

Newcastle Permanent 'Visa Wellington On A Plate’ Promotion - Terms and Conditions

The 'Visa Wellington On A Plate' offer commenced 18 March 2026 and closed 31 May 2026. Terms and Conditions are available here.

Newcastle Permanent Surf Life Saving NSW $25 Offer Promotion - Terms and Conditions

The 'Surf Life Saving NSW $25 Offer' commenced 16 October 2025 and closed 30 April 2026. To be eligible for the offer, (1) open a new Smart Saver Account for Under 25s either online using the campaign code ‘SLS25’ or in branch and mention this offer; and (2) deposit at least $20 into the new account within 30 days of opening (interest credits excluded). All account holders must live in NSW and be aged under 25 at the time of account opening and a new customer to Newcastle Permanent, which means you did not hold any accounts with Newcastle Permanent within the 6-month period prior to opening the new account. If eligible, the $25 account credit will be paid into your Smart Saver Account within 60 days of you becoming eligible (account must still be open at time of payment). Offer is not available in conjunction with any other offer and is limited to one payment per account and to your first eligible account only. Offer is available until 30 April 2026. Newcastle Permanent may change or withdraw this offer at any time.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

The '$150 eGift card' offer commenced 9 February 2026 and closed 29 March 2026. Terms and Conditions are available here.

Newcastle Permanent Cinema Under the Stars ‘VIP Ticket’ Experience Promotion - Terms and Conditions

The 'VIP Ticket' Experience Promotion commenced Monday 8 September 2025 and closed Monday 9 March 2026. Terms and Conditions are available here.

Newcastle Permanent $50 Bonus Offer Promotion - Terms and Conditions

The Newcastle Permanent $50 Bonus Offer Promotion commenced Wednesday 1 October 2025 and closed Friday 30 January 2026. To be eligible for the offer, (1) open a new Everyday Account either online using the campaign code ‘bonus50’ or in branch and mention this offer; and (2) make at least two eligible Visa Debit card purchases of at least $5 on the account within 30 days of opening. All account holders must be aged 11 and over, reside in NSW at the time of account opening and be a new customer to Newcastle Permanent, which means you did not hold any accounts as at 30/09/2025. Eligible purchases include purchases using a merchant terminal where credit is selected or using tap and go/contactless where the transaction is processed on the Visa network; online purchases via a merchant’s website/app; or scheduled payments using the Visa card details. If eligible, the $50 bonus will be paid into your Everyday Account within 60 days of you becoming eligible (account must still be open at time of payment). Offer is not available in conjunction with any other offer and is limited to one payment per account and to your first eligible account only. Offer is available until 30/01/2026. Newcastle Permanent may change or withdraw this offer at any time.

Newcastle Permanent “Inactive Survey Competition 2025” Promotion - Terms and Conditions

The Inactive Survey Competition commenced 1 March 2025 and closed 31 December 2025. Terms and Conditions are available here.

Newcastle Permanent “Survey Competition 2025” Promotion - Terms and Conditions

The Survey Competition commenced 1 January 2025 and closed 31 December 2025. Terms and Conditions are available here.

Newcastle Permanent Grocerize Customer Offer

To be eligible for 6 month free subscription, you must sign up to Grocerize using your Newcastle Permanent Visa card by 30 December 2025. After 6 months, you can cancel or continue your subscription for $2.95 pm. We are not liable in relation to third party links. Offer may be varied or withdrawn at any time.

To manage your Grocerize subscription & preferences:

Manage your subscription or preferences for receiving/ceasing communications/emails from Grocerize, by logging into your Grocerize Premium account (through Login > click your name), then select Billing & Invoices and/or Preferences.

Newcastle Permanent Everyday Cashback Offer

The Everyday Cashback Offer commenced 24 February 2025 and closed 30 September 2025. All account holders must be aged 14 years and over at the time of account opening and not hold an existing Everyday Account with Newcastle Permanent as at 11.59pm 23 February 2025. 5% Cashback is payable for combined eligible Visa purchases up to $2000 (maximum cashback $100 per customer) made within 45 days of account opening.  Eligible purchases include purchases using a merchant terminal where credit is selected or using tap and go/contactless where the transaction is processed on the Visa network; online purchases via a merchant’s website/app; or scheduled payments using the Visa card details.  If eligible, the account credit/s will be paid into your Everyday Account within 75 days of account opening (account must still be open at time of payment). Maximum cashback amount applies per customer. Cashback is calculated on the Australian dollar amount of eligible purchases (net of any fees). Offer is not available in conjunction with any other offer and is limited to cashback incentive on your first eligible account only. Available for NSW residents only.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

The '$150 eGift card' offer commenced 21 July 2025 and closed 14 September 2025. Terms and Conditions are available here.

Newcastle Permanent "State of Origin Round 3 Party 2025” Promotion - Terms and Conditions

The State of Origin Round 3 Party Competition commenced 12 May 2025 and closed 22 June 2025. Terms and Conditions are available here.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

This Offer was available from 17 February 2025 to 13 April 2025. Terms and Conditions are available here.

Newcastle Permanent Cinema under the Stars 'Golden Ticket' VIP Experience Promotion - Terms and Conditions

Cinema under the Stars 'Golden Ticket' VIP Experience Promotion commenced 2 October 2024 and closed on 13 March 2025. Terms and Conditions are available here. 

Newcastle Permanent “Survey Competition 2024” Promotion - Terms and Conditions

The Survey Competition commenced 1 January 2024 and closed on 31 December 2024. Terms and Conditions are available here.

Newcastle Permanent Register to Win and Save Promotion - Terms and Conditions

Register to Win and Save Promotion was available 2 August 2024 and and closed on 31 October 2024. Terms and Conditions are available here.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

The Offer was available from 26 June 2024 to 7 August 2024. Terms and Conditions are available here.

Newcastle Permanent Online Refi Cashback Offer - Terms and Conditions

The Online Refi Cashback Offer commenced 21 August 2023 and closed on 17 June 2024. Terms and Conditions are available here.

Newcastle Permanent 'Purchase a new Home & Contents, Landlord or Comprehensive Motor policy and get a $150 eGift card' Offer - Terms and Conditions

The Offer was available from 9 October 2023 to 10 December 2023. Terms and Conditions are available here.

Newcastle Permanent ‘Pay Your Way to the FIFA Women’s World Cup 2023™ Finals’ Promotion - Terms and Conditions

The Promotion was available from 8 May 2023 to 16 June 2023. Terms and Conditions are available here.

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