Christmas Saver Account

An account to help you save for Christmas

Savings & transaction accountsBank updated 23 Oct 2026

At a glance

Base rate: 2.25%

How it compares

This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 2.25%

0%1%2%3%4%

This account: 2.25%Every other institution's highest, 60 in all

Paid whatever you deposit or spend. One dot per institution, at its highest savings rate with no bonus conditions anyone can apply for; hover or tap a dot for its name.

Rate	This account	Best anywhere	Typical institution	Where it sits
No bonus conditionsPaid whatever you deposit or spend	2.25%	4.80%MoveBank's Online Saver	2.25%of 61 institutions	31st highest of 61, level with one other

Rates

The one rate Cairns bank publishes for this account.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	-	-	-	2.25%	-	paid every 1 yr

Rate changes

One change logged, newest first.

Date	Rate	Was	Now	Change
24 Oct 2026	Variable	2.00%	2.25%	up 0.25

Each change is logged the night it appears in the rates Cairns bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

One fee published, grouped by when they're charged.

When you make a transaction1

EXCESS_WITHDRAWAL_FEE
1 free withdrawal per year - applies outside 1st November - 31st December
$10

Features

Digital banking

Funds available to withdraw 1st Nov to 31st Dec each year

Eligibility and limits

1 Free withdrawal per year outside 1 November - 31st December

Compare it with others

All savings & transaction accounts Other Cairns bank savings & transaction accounts Everything Cairns bank publishes

Put this product through a calculator

Published by Cairns bank under the Consumer Data Right, last changed by them on 23 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.