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 11, 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 Additional Information: Get faster payments between participating banks, anytime with Pay ID
  • Npp Enabled
  • 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 & borrowings, at all times throughout the month B) Under 25 years or over 65 years C) Held their membership for less than 3 months D) Have zero VISA debit transactions for the month including ATM, eftpos, paywave, digital wallet, online and 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 remans 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.
  • 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