The Finance Algorithm
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Junior Saver

Exclusive account for children 12 and under

Savings & transaction accountsBank updated 15 Oct 2026

At a glance

Base rate
2.70%

Rates

The one rate QBANK publishes for this account.

TypeApplies toTermBandRateComparisonConditions
Variable---2.70%-paid every 1 mo

Rate changes

One change logged, newest first.

DateRateWasNowChange
16 Oct 2026Variable2.45%2.70%up 0.25

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

Fees

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

While you hold it1

  • DORMANCY

    Charge $10 every 6 months

    $20

When you make a transaction1

  • RECALL_OF_TELEGRAPHIC_TRANSFER_(WITHIN_AUSTRALIA_&_OVERSEAS)
    $35

When particular things happen1

  • RECALL_OF_EXTERNAL_TRANSFER

    Includes NPP and OSKO transactions to other financial institutions

    $40

Features

Instant paymentsPayIDDigital bankingUnlimited transactions
  • Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwiese exceed your transasction account's available balance.

Eligibility and limits

  • Maximum age 12
  • You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as the…

Published by QBANK under the Consumer Data Right, last changed by them on 15 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.