Savings account rates › Newcastle Permanent
Smart Saver Account
Newcastle Permanent
CDR officialNot ranked in rate tables
This savings account is designed to help members reach their savings goals.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 4.95% | Bonus · $0–$50,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 4.70% | Bonus · $50,000–$100,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 4.70% | Bonus · $100,000–$250,000 | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 4.70% | Bonus · $250,000 or more | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 0.05% | Variable · $0 or more | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_smartsaver- Content hash
sha256 78afe2d3502974bab70dd077ce332d03987bdf24a5ebe90e06cdffa039337ba8- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_78afe2d3502974ba_adf2f004Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_smartsaver- Content hash
sha256 78afe2d3502974bab70dd077ce332d03987bdf24a5ebe90e06cdffa039337ba8- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Visa Cash Advance Fee | Cash advance | $5.00 |
| Real Time Gross Settlements (RTGS) | Withdrawal | $30.00 |
| Real Time Gross Settlements (RTGS) - Inward NPBS fee | Deposit | $12.00 |
| Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee | Withdrawal | Set in your letter of offer |
| Foreign Currency Conversion | Purchase | 3.00% |
| Financial Institution Cheque Replacement | Replacement | $15.00 |
| Financial Institution Cheque | Withdrawal | $10.00 |
| Card Replacement Overseas | Replacement | $100.00 |
| Branch Withdrawal | Withdrawal | $3.00 |
| Account Overdrawn | Event | $5.00 |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee | Deposit | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital wallet | Google Pay | Available for Visa cards only. |
| Digital banking | Internet Banking and Mobile Banking | |
| Npp enabled | OSKO | |
| Unlimited txns | Unlimited free BPay, Visa Debit card purchase (when pressing the credit button), eftpos, Automatic transfers, and Internet banking transactions (branch transactions not included). Subject to amount limits. | |
| Free txns | 2 | 2 free branch withdrawals per month. |
| Npp payid | OSKO | |
| Bill payment | BPAY View | |
| Card access | Visa Debit Card | Visa Debit Cards are only available for accounts opened pre-1 May 2024. |
| Digital wallet | Apple Pay | Available for Visa cards only. |
| Eligibility: natural person | This account is for personal use by individuals including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees. | |
| Eligibility: min age | 25 | At least one account holder must be 25 years of age or older at the date of opening |
| Eligibility: residency status | Available to permanent Australian Residents |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus · $250,000 or more | 1 Nov 2026 | Current | 4.70% |
| Variable · $0 or more | 1 Nov 2026 | Current | 0.05% |
| Bonus · $50,000–$100,000 | 1 Nov 2026 | Current | 4.70% |
| Bonus · $0–$50,000 | 1 Nov 2026 | Current | 4.95% |
| Bonus · $100,000–$250,000 | 1 Nov 2026 | Current | 4.70% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
bonus-conditions-free-text | Reason this product is not ranked | |
bonus-base-relationship-unstated | Reason this product is not ranked | |
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