Christmas Club

Designed to help you save for the festive season, deposit regularly throughout the year and watch your savings grow.

Savings & transaction accountsBank updated 15 Oct 2026

At a glance

Base rate: 2.70%
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.

Typical 2.25%

0%1%2%3%4%

This account: 2.70%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	2.70%	4.80%MoveBank's Online Saver	2.25%of 61 institutions	26th highest of 61

Rates

Every rate Queensland Country Bank publishes for this account, 8 in all.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	-	-	up to $5,000	2.70%	-	paid every 1 mo
Variable	-	-	$10,000–$20,000	2.70%	-	paid every 1 mo
Variable	-	-	$100,000–$250,000	2.70%	-	paid every 1 mo
Variable	-	-	$20,000–$50,000	2.70%	-	paid every 1 mo
Variable	-	-	$250,000–$500,000	2.70%	-	paid every 1 mo
Variable	-	-	$5,000–$10,000	2.70%	-	paid every 1 mo
Variable	-	-	$50,000–$100,000	2.70%	-	paid every 1 mo
Variable	-	-	$500,000+	2.70%	-	paid every 1 mo

Rate changes

8 changes logged, newest first.

Date	Rate	Was	Now	Change
15 Oct 2026	Variable, up to $5,000	2.50%	2.70%	up 0.20
15 Oct 2026	Variable, $10,000–$20,000	2.50%	2.70%	up 0.20
15 Oct 2026	Variable, $100,000–$250,000	2.50%	2.70%	up 0.20
15 Oct 2026	Variable, $20,000–$50,000	2.50%	2.70%	up 0.20
15 Oct 2026	Variable, $250,000–$500,000	2.50%	2.70%	up 0.20
15 Oct 2026	Variable, $5,000–$10,000	2.50%	2.70%	up 0.20
15 Oct 2026	Variable, $50,000–$100,000	2.50%	2.70%	up 0.20
15 Oct 2026	Variable, $500,000+	2.50%	2.70%	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 Trace
$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 banking

Interest is paid on the entire balance

Eligibility and limits

Minimum age 13

Compare it with others

All savings & transaction accounts Other Queensland Country Bank savings & transaction accounts Everything Queensland Country Bank publishes

Put this product through a calculator

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.