Christmas Saver Account

Use our Christmas Account to help you put aside money for the busy Christmas period.
Category: Transaction & Savings Accounts  Last Updated March 10, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information The interest rate that applies to any overdrawn amounts. This is calculated daily and charged monthly.
Interest Rate
17.50% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Unlimited Txns Additional Information: Unlimited electronic transactions available on your account
  • Free Txns Additional Information: Unlimited free electronic transactions available on your account
  • Npp Payid
  • Card Access Additional Information: A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe.
  • Other Additional Information: Backed by the Government Deposit Guarantee for deposits up to $250,000
  • Other Additional Information: Funds available between 1st November and 31st January

 Product Eligibility

  • Natural Person
  • Residency Status - Permanent Resident. Additional Information: You must be an Australian citizen or permanent resident

 Bank Fees and Charges

  • Monthly Account Fee (Periodic), Amount: 5.00. Additional Information: Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits and borrowings, at all times throughout the month B) Under 25 years or over 65 years C) Have held membership for less than 3 months D) Have zero VISA debit transactions for the month including ATM, eftpos, paywave, digital wallet, online & phone purchases
  • Outward Rtgs Payment Fee (Withdrawal), Amount: 30.00. Additional Information: A processing fee charged when you require funds to be sent straight away
  • Inward Rtgs And Swift Payment Fee (Deposit), Amount: 10.00. Additional Information: A processing fee charged when you recieve funds through this channel
  • Paper Statement Fee (Periodic), Amount: 2.00. Additional Information: A fee charged to cover the cost of producing and sending paper statements
  • Dormancy Fee (Periodic), Amount: 20.00. Additional Information: A fee charged if your account remains inactive for 7 years, and we will treat your account as dormant
  • Quickdebit Dishonour Fee (Transaction), Amount: 20.00. Additional Information: A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you
  • Telegraphic Transfer - Service Centre (Transaction), Amount: 30.00.
  • Telegraphic Transfer - Online (Transaction), Amount: 20.00.
  • Telegraphic Transfer - Australian (Transaction), Amount: 50.00.
  • Foreign Cheque Deposit Up To $25,000 (Deposit), Amount: 20.00. Additional Information: A processing fee charged when you deposit foreign cheques up to $25,000
  • Foreign Cheque Deposit Over $25,000 (Deposit), Amount: 50.00. Additional Information: A processing fee charged when you deposit foreign cheques over $25,000