Unity BankChristmas Saver Account
Use our Christmas Account to help you put aside money for the busy Christmas period.
At a glance
- Base rate
- 1.10%
- Monthly fee
- $5
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.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 1.10% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 43rd highest of 61, level with one other |
Rates
Every rate Unity Bank publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe interest rate that applies to any overdrawn amounts. This is calculated daily and charged monthly. | - | - | - | 17.50% | - | - |
| VariableInterest is calculated on your daily balance and paid each month, which adds to your overall account balance. | - | - | - | 1.10% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 3 Nov 2026 | Variable | 0.50% | 1.10% | up 0.60 |
Each change is logged the night it appears in the rates Unity Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
10 fees published, grouped by when they're charged.
While you hold it2
- MONTHLY_ACCOUNT_FEE
Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Unde…
$5 a month - PAPER_STATEMENT_FEE
A fee charged to cover the cost of producing and sending paper statements
$2 a month
When you make a transaction8
- FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000
A processing fee charged when you deposit foreign cheques over $25,000
$50 - FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000
A processing fee charged when you deposit foreign cheques up to $25,000
$20 - INWARD_RTGS_AND_SWIFT_PAYMENT_FEE
A processing fee charged when you receive funds through this channel
$10 - QUICKDEBIT_DISHONOUR_FEE
A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you
$20 - TELEGRAPHIC_TRANSFER_-_AUSTRALIAN
A fee charged for an online Australian transfer
$50 - TELEGRAPHIC_TRANSFER_-_ONLINE
A fee charged for an online foreign transfer
$20 - TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE
A fee charged for a staff assisted foreign transfer
$30 - OUTWARD_RTGS_PAYMENT_FEE
A Processing fee charged when you require funds to be sent straight away
$30
Features
- Backed by the Government Deposit Guarantee for deposits up to $250,000
- Funds access only permitted between 1 November and 31 January
Eligibility and limits
- Residency: PERMANENT RESIDENT
- Available to individuals
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Published by Unity Bank under the Consumer Data Right, last changed by them on 2 Nov 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.