Newcastle Permanent
Smart Saver Account (under 25)
Newcastle Permanent · trans and savings accounts
Provider last updated this product 2026-09-01.
Go to provider
You'll complete your application on
Newcastle Permanent's website. Confirm the rate and fees with them
before applying.
This at-call savings account is designed to help members under 25 reach their savings goals.
Deposit rates
| Type | Rate | Term | Calculated | Applies to | Conditions | Interest |
|---|---|---|---|---|---|---|
| BONUS | 4.70% | - | daily | $250,000+ | - | calculated daily, paid monthly |
| BONUS | 5.70% | - | daily | $0 - $50,000 | - | calculated daily, paid monthly |
| BONUS | 4.95% | - | daily | $50,000 - $100,000 | - | calculated daily, paid monthly |
| BONUS | 4.95% | - | daily | $100,000 - $250,000 | - | calculated daily, paid monthly |
| VARIABLE | 0.05% | - | daily | $0+ | Standard interest is earned every calendar month that your smart saver account has maintained a positive balance. The standard variable rate applies to your entire balance, regardless of if the bonus conditions are met. | calculated daily, paid monthly |
| Standard interest is earned every calendar month that your smart saver account has maintained a positive balance. The standard variable rate applies to your entire balance, regardless of if the bonus conditions are met. | ||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Document and Miscellaneous Service | ENQUIRY | - | $60/hour (min $10/copy) |
| Branch Withdrawal | WITHDRAWAL | $3 | 2 free Branch Withdrawals per month |
| Dishonour (Direct Debit and Cheque) | DISHONOUR | $9 | - |
| Visa Cash Advance Fee | CASH_ADVANCE | $5 | - |
| Financial Institution Cheque Replacement | REPLACEMENT | $15 | - |
| Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee | DEPOSIT | - | Unascertainable |
| Account Overdrawn | EVENT | $5 | - |
| Real Time Gross Settlements (RTGS) - Inward NPBS fee | DEPOSIT | $12 | - |
| Foreign Currency Conversion | PURCHASE | 3.00% | - |
| Card Replacement Overseas | REPLACEMENT | $100 | - |
| Financial Institution Cheque | WITHDRAWAL | $10 | - |
| Real Time Gross Settlements (RTGS) | WITHDRAWAL | $30 | When you send an RTGS |
| Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee | WITHDRAWAL | - | Unascertainable |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 5.70% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- natural personThis account is for personal use by individuals
- max age - 24Customers must be under 25 to qualify for this product
- residency status - Available to permanent Australian Residents
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-01T00:00:00+10:00 · Product ID: AC_smartsaveryouth