Savings account rates › Newcastle Permanent
Smart Saver Account (under 25)
Newcastle Permanent
CDR officialNot ranked in rate tables
This at-call savings account is designed to help members under 25 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 |
|---|---|---|---|---|
| 5.95% | 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 |
| 5.20% | 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 |
| 5.20% | 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 |
| 4.95% | 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 |
Report an error
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_smartsaveryouth- Content hash
sha256 7e8bfef53429e5bd90f68157e6d8e4cf5e8f7e2d8305cbe449a2cd37f2db7616- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7e8bfef53429e5bd_08035379Show details
- Checked
- 1 Nov 2026
- URL
https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/AC_smartsaveryouth- Content hash
sha256 7e8bfef53429e5bd90f68157e6d8e4cf5e8f7e2d8305cbe449a2cd37f2db7616- 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 |
|---|---|---|
| Foreign Currency Conversion | Purchase | 3.00% |
| Financial Institution Cheque | Withdrawal | $10.00 |
| Branch Withdrawal | Withdrawal | $3.00 |
| Card Replacement Overseas | Replacement | $100.00 |
| Dishonour (Direct Debit and Cheque) | Dishonour | $9.00 |
| Real Time Gross Settlements (RTGS) - Inward NPBS fee | Deposit | $12.00 |
| Real Time Gross Settlements (RTGS) | Withdrawal | $30.00 |
| Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee | Withdrawal | Set in your letter of offer |
| Document and Miscellaneous Service | Enquiry | Set in your letter of offer |
| Financial Institution Cheque Replacement | Replacement | $15.00 |
| Visa Cash Advance Fee | Cash advance | $5.00 |
| Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee | Deposit | Set in your letter of offer |
| Account Overdrawn | Event | $5.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Npp payid | OSKO | |
| Npp enabled | OSKO | |
| Card access | Visa Debit Card | Visa Debit Cards are only available for accounts opened pre-1 May 2024. |
| 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 | |
| Digital banking | Internet Banking and Mobile Banking | |
| Free txns | 2 | 2 free branch withdrawals per month. |
| Digital wallet | Google Pay | Available for Visa cards only. |
| Bill payment | BPAY View | |
| Digital wallet | Apple Pay | Available for Visa cards only. |
| Eligibility: natural person | This account is for personal use by individuals | |
| Eligibility: max age | 24 | Customers must be under 25 to qualify for this product |
| Eligibility: residency status | Available to permanent Australian Residents |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus · $0–$50,000 | 1 Nov 2026 | Current | 5.95% |
| Bonus · $250,000 or more | 1 Nov 2026 | Current | 4.95% |
| Bonus · $100,000–$250,000 | 1 Nov 2026 | Current | 5.20% |
| Bonus · $50,000–$100,000 | 1 Nov 2026 | Current | 5.20% |
| Variable · $0 or more | 1 Nov 2026 | Current | 0.05% |
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 | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.