Smart Saver Account

This savings account is designed to help members reach their savings goals.
Category: Transaction & Savings Accounts  Last Updated May 14, 2026  Effective February 25, 2017

 General Lending Rates

No product information is currently listed. Please make contact with us for more information.

 Product Features

  • Digital Banking Additional Information: Internet Banking and Mobile Banking
  • Unlimited Txns Additional Information: Unlimited free BPay, Visa Debit card purchase (when pressing the credit button), eftpos, Automatic transfers, and Internet banking transactions (branch transactions not included). Subject to amount limits.
  • Bill Payment
  • Npp Enabled Additional Information: OSKO
  • Free Txns Additional Information: 2 free branch withdrawals per month.
  • Card Access Additional Information: Visa Debit Cards are only available for accounts opened pre-1 May 2024.
  • Npp Payid Additional Information: OSKO
  • Digital Wallet Additional Information: Available for Visa cards only.
  • Digital Wallet Additional Information: Available for Visa cards only.

 Product Eligibility

  • Natural Person Additional Information: This account is for personal use by individuals including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees.
  • Residency Status - Available To Permanent Australian Residents .
  • Min Age - 25. Additional Information: At least one account holder must be 25 years of age or older at the date of opening

 Bank Fees and Charges

  • Card Replacement Overseas (Event), Amount: 100.00.
  • Foreign Currency Conversion (Transaction), Amount: Not Listed..
  • Financial Institution Cheque (Withdrawal), Amount: 10.00.
  • Branch Withdrawal (Withdrawal), Amount: 3.00. Additional Information: 2 free Branch Withdrawals per month
  • Real Time Gross Settlements (rtgs) - Outward Npbs Fee (Event), Amount: 30.00.
  • Account Overdrawn (Event), Amount: 5.00.
  • Document And Miscellaneous Service (Variable), Amount: Not Listed.. Additional Information: $60/hour (min $10/copy)
  • Financial Institution Cheque Replacement (Event), Amount: 15.00.
  • Dishonour (direct Debit And Cheque) (Event), Amount: 9.00.
  • Real Time Gross Settlements (rtgs) - Inward Third Party Financial Institution Fee (Variable), Amount: Not Listed.. Additional Information: Unascertainable
  • Visa Cash Advance (Withdrawal), Amount: 5.00.
  • Real Time Gross Settlements (rtgs) - Outward Third Party Financial Institution Fee (Variable), Amount: Not Listed.. Additional Information: Unascertainable
  • Real Time Gross Settlements (rtgs) - Inward Npbs Fee (Event), Amount: 12.00.