Unity Bank
Christmas Saver Account
Use our Christmas Account to help you put aside money for the busy Christmas period.
Savings & transaction accountsBank updated 11 June 2026
At a glance
- Base rate
- 0.50%
- Monthly fee
- $7
§ 01 — Rates · 2
| 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. | — | — | — | 0.50% | — | paid every 1 mo |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000 | Deposit | $50 | — | A processing fee charged when you deposit foreign cheques over $25,000 |
| FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000 | Deposit | $20 | — | A processing fee charged when you deposit foreign cheques up to $25,000 |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | Deposit | $10 | — | A processing fee charged when you receive funds through this channel |
| MONTHLY_ACCOUNT_FEE | Periodic | $5 | Every 1 mo | 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… |
| PAPER_STATEMENT_FEE | Periodic | $2 | Every 1 mo | A fee charged to cover the cost of producing and sending paper statements |
| QUICKDEBIT_DISHONOUR_FEE | Transaction | $20 | — | A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you |
| TELEGRAPHIC_TRANSFER_-_AUSTRALIAN | Transaction | $50 | — | A fee charged for an online Australian transfer |
| TELEGRAPHIC_TRANSFER_-_ONLINE | Transaction | $20 | — | A fee charged for an online foreign transfer |
| TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE | Transaction | $30 | — | A fee charged for a staff assisted foreign transfer |
| OUTWARD_RTGS_PAYMENT_FEE | Withdrawal | $30 | — | A Processing fee charged when you require funds to be sent straight away |
§ 03 — Features
Instant paymentsPayIDFraud protectionUnlimited transactions
- · Backed by the Government Deposit Guarantee for deposits up to $250,000
- · Funds access only permitted between 1 November and 31 January
§ 04 — Eligibility & limits
- · Residency: PERMANENT RESIDENT
- · Available to individuals
§ 05 — Compare
§ 06 — Run the numbers
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Published by Unity Bank under the Consumer Data Right, last changed by them on 11 June 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.