Newcastle Permanent
Smart Saver Account
This savings account is designed to help members reach their savings goals.
Savings & transaction accountsBank updated 1 Sept 2026
At a glance
- Base rate
- 0.05%
- Bonus rate
- 4.45%
- Up to
- 4.50%
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus | — | — | up to $50,000 | 4.45% | — | paid every 1 mo |
| Bonus | — | — | $100,000–$250,000 | 4.45% | — | paid every 1 mo |
| Bonus | — | — | $250,000+ | 4.45% | — | paid every 1 mo |
| Bonus | — | — | $50,000–$100,000 | 4.45% | — | paid every 1 mo |
| VariableStandard interest is earned every calendar month that your smart saver account has maintained a positive balance. The standard variable rate applies to your entire balance, regardless of if the bonus… | — | — | up to null | 0.05% | — | paid every 1 mo |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Visa Cash Advance Fee | Cash advance | $5 | — | — |
| Real Time Gross Settlements (RTGS) - Inward NPBS fee | Deposit | $12 | — | — |
| Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee | Deposit | Varies | — | Unascertainable |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9 | — | — |
| Document and Miscellaneous Service | Enquiry | Varies | — | $60/hour (min $10/copy) |
| Account Overdrawn | Event | $5 | — | — |
| Foreign Currency Conversion | Purchase | 3.00% of transaction | — | — |
| Card Replacement Overseas | Replacement | $100 | — | — |
| Financial Institution Cheque Replacement | Replacement | $15 | — | — |
| Branch Withdrawal | Withdrawal | $3 | — | 2 free Branch Withdrawals per month |
| Financial Institution Cheque | Withdrawal | $10 | — | — |
| Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee | Withdrawal | Varies | — | Unascertainable |
| Real Time Gross Settlements (RTGS) | Withdrawal | $30 | — | When you send an RTGS |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsGoogle PayApple Pay
§ 04 — Eligibility & limits
- · Minimum age 25
- · Residency: Available to permanent Australian Residents
- · Available to individuals
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Newcastle Permanent under the Consumer Data Right, last changed by them on 1 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.