Smart Start Access Saver

SMART START ACCESS SAV

Savings & transaction accountsBank updated 7 Sept 2026

At a glance

Base rate: 0.05%
Monthly fee: $5

Rates

Every rate First Option Bank publishes for this account, 2 in all.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	-	-	up to $1,000	0.05%	-	paid every 1 mo
Variable	-	-	$1,000+	3.25%	-	paid every 1 mo

Fees

6 fees published, grouped by when they're charged.

While you hold it2

MEMBERSHIP_ADMIN_FEE
Membership Admin Fee
$5 a month
PAPER_STAT_FEE
Paper Statement Fee
$2.50 a month

When you make a transaction4

BANK@POST_WDL
Bank@Post withdrawal
$3
EFTPOS_FEE
EFTPOS Transaction Exemptions
$0.50
OVERSEAS_ATM_WDL
Overseas ATM withdrawal
$3.50
STAFF_ASSIST_FEE
Staff=assisted transfer fee
$5

Features

Instant paymentsPayIDDigital bankingGoogle, Apple Pay, Samsung Pay

Eligibility and limits

Minimum age 13
Maximum age 24
Residency: Australian Residents
Available to individuals

Compare it with others

All savings & transaction accounts Other First Option Bank savings & transaction accounts Everything First Option Bank publishes

Put this product through a calculator

Published by First Option Bank under the Consumer Data Right, last changed by them on 7 Sept 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.