The Finance Algorithm
Queensland Country Bank logoQueensland Country Bank

Online Saver

Designed for those happy to manage their own savings online but wanting the freedom to access funds at any time.

Savings & transaction accountsBank updated 15 Oct 2026

At a glance

Base rate
3.00%
Monthly fee
$0

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.

This account: 3.00%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.

RateThis accountBest anywhereTypical institutionWhere it sits
No bonus conditionsPaid whatever you deposit or spend3.00%4.80%MoveBank's Online Saver2.25%of 61 institutions21st highest of 61, level with 3 others

Rates

The one rate Queensland Country Bank publishes for this account.

TypeApplies toTermBandRateComparisonConditions
Variable---3.00%-paid every 1 mo

Rate changes

One change logged, newest first.

DateRateWasNowChange
15 Oct 2026Variable2.80%3.00%up 0.20

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

Fees

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

While you hold it1

  • Monthly Account Fee
    No fee

If a payment is late or fails1

  • Dishonour Insuff. Funds
    $8

When particular things happen5

  • DE Mistaken Payment Return Req
    $50
  • Direct Entry Recall of Funds

    Applies to Direct Debit, Direct Credit and OSKO payments

    $40
  • Dormant Account Fee
    $15
  • Honour Charge
    $8
  • RTGS Payment Received Fee
    $7.20

Other fees1

  • Transaction Fees

    Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges

    Varies

Features

Digital bankingUnlimited transactions
  • Interest is paid on the entire balance

Eligibility and limits

None published.

Published by Queensland Country Bank 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.