Savings and Term Deposits

Instant budgeting. Just add cash and stir. Smart ideas to help you manage your money and balance your budget.
You can attach five sub-accounts to your daily access account to divide your money for budgeting. For example, you can have separate sub-accounts to keep money for bills, groceries, loan repayments, clothes, birthdays, holidays or whatever captures your fancy.

Access Savings Accounts
A day-to-day account offering easy access to your funds.
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Additional Information |
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Access Savings Accounts |
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Minimum opening balance |
No minimum |
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Funds available at call |
Yes |
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Cheque book |
Yes |
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EFTPOS/ATM Access rediCARD |
Yes |
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Home Banking via Internet or Telephone |
Yes |
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Direct Entry (Credit/Debit) |
Credit and Debit |
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Interest Income |
Calculated on the minimum monthly balance
Paid annually 30 June |
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Visa Debit Card Access |
Yes |
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Over-the-counter Transactions |
Yes |
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BPAY |
Yes |
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Periodic Payments |
Yes |
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Overdraft |
Yes |
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Cash Management Account
An account which offers you one of our highest at-call interest rates.
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Additional Information |
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Cash Management Account |
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Minimum opening balance |
$5,000 |
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Funds available at call |
Deposits lodged minimum 24 hours and thereafter at call. |
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Cheque book |
No |
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EFTPOS/ATM Access rediCARD |
No |
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Home Banking via Internet or Telephone |
Yes |
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Direct Credit |
Yes |
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Interest Income |
Calculated daily, paid monthly |
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Visa Debit Card Access |
No |
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Over-the-counter Transactions |
Yes |
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BPAY |
No |
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Periodic Payments |
No |
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Money Market Account
Our Money Market Account is a market-linked investment account paying a high rate of interest.
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Additional Information |
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Money Market Account |
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Minimum opening balance |
$5,000 |
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Funds available at call |
Yes |
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Cheque book |
No |
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EFTPOS/ATM Access rediCARD |
No |
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Home Banking via Internet or Telephone |
Yes |
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Direct Entry (Credit/Debit) |
Credit only |
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Interest Income |
Calculated daily, paid monthly |
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Visa Debit Card Access |
No |
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Over-the-counter Transactions |
Yes |
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BPAY |
No |
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Periodic Payments |
No |
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Motivator Savings Account
Keep depositing money without withdrawing for a bonus interest rate.
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Extra bonus rate with monthly deposit and no withdrawals
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Open an account with as little as $1
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Get to your savings goal sooner
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At call access if you need it
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Up to 4.25%2 pa
interest rate
View our interest rates
Compare our accounts
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Additional Information |
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Motivator Savings Account |
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Minimum opening balance |
No minimum |
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Funds available at call |
Yes |
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Cheque book |
No |
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EFTPOS/ATM Access rediCARD |
No |
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Home Banking via Internet or Telephone |
Yes |
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Direct Credit |
Yes |
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Interest Income |
Calculated daily, paid monthly |
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Visa Debit Card Access |
No |
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Over-the-counter Transactions |
Yes |
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BPAY |
Yes |
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Periodic Payments |
Yes |
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Christmas Club Account
Earn a high rate of interest and avoid the temptation of dipping into your savings.
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Additional Information |
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Christmas Club Account |
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Minimum opening balance |
No minimum |
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Funds available at call |
Only between 1 November - 31 January |
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Cheque book |
No |
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EFTPOS/ATM Access rediCARD |
No |
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Home Banking via Internet or Telephone |
Yes |
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Direct Entry (Credit/Debit) |
Credit only |
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Interest Income |
Calculated daily
Paid annually 30 November |
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Visa Debit Card Access |
No |
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Over-the-counter Transactions |
Yes |
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BPAY |
No |
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Periodic Payments |
No |
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Super Saver Account
Introduce your children to managing their money and learning how to save. You can split your child's funds into sub-accounts to assist in finding that balance between giving your children access to their money, and preventing them from emptying their account on whatever is cool this week.
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Additional Information |
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Super Saver Account |
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Minimum opening balance |
No minimum |
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Funds available at call |
Yes |
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Cheque book |
As decided by Guardian |
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EFTPOS/ATM Access rediCARD |
Yes (access can be limited) |
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Home Banking via Internet or Telephone |
As decided by Guardian |
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Direct Entry (Credit/Debit) |
As decided by Guardian |
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Interest Income |
Calculated on the minimum monthly balance
Paid annually 30 June |
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Visa Debit Card Access |
As decided by Guardian |
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Over-the-counter Transactions |
As decided by Guardian |
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BPAY |
As decided by Guardian |
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Periodic Payments |
As decided by Guardian |
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BU Account
If you're 13-17, this account gives you a high level of independence and control over your money.
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Additional Information |
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BU Account |
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Minimum opening balance |
No minimum |
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Funds available at call |
Yes |
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Cheque book |
Yes |
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EFTPOS/ATM Access rediCARD |
Yes |
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Home Banking via Internet or Telephone |
Yes |
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Direct Entry (Credit/Debit) |
Credit and Debit |
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Interest Income |
Calculated on the minimum monthly balance
Paid annually 30 June |
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Over-the-counter Transactions |
Yes |
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BPAY |
Yes |
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Periodic Payments |
Yes |
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Pensioner Aware Accounts
Allows you to earn interest on your money - without it counting towards your income.
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Additional Information |
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Pensioner Aware Accounts |
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Minimum opening balance |
$1 |
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Funds available at call |
Yes |
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Cheque book |
Yes |
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EFTPOS/ATM Access rediCARD |
Yes |
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Home Banking via Internet or Telephone |
Yes |
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Direct Entry (Credit/Debit) |
Credit and Debit |
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Interest Income |
Calculated daily, paid monthly |
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Visa Debit Card Access |
Yes |
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Over-the-counter Transactions |
Yes |
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BPAY |
Yes |
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Periodic Payments |
Yes |
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Term Deposit Accounts
We’ll pay you a generous interest rate on deposits between 3 months and 5 years.
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Invest from 3 months to 5 years
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Higher interest on higher amounts
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Ideal for short term investments
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Interest calculated daily
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Up to 5.20%5 pa
interest rate
View our interest rates
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Additional Information |
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Term Deposit Accounts |
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Availability of funds |
Funds withdrawable at maturity |
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Minimum to open |
$5,000 |
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Interest income |
Interest calculated on a daily basis, paid at maturity or weekly/fortnightly/monthly to your nominated account. |
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Early access available |
On application and subject to early withdrawal restrictions above |
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Questions?
If you have any questions, please contact us 
1 Conditions apply to all accounts. Interest rate varies depending on the balance held. Refer to our Savings rates for details.
2 Conditions apply. Interest rate varies depending on the balance held and on the number of deposits and withdrawals each month. Refer to our Savings Rates for details.
3 Conditions apply to all accounts. Refer to our Savings Rates for details.
4 Interest rate varies depending on the balance held and the status of the account (joint or single). Refer to our Savings Rates for details.
5 Interest rate varied with the term of the investment, the balance deposited and the frequency of interest payments. Refer to our Term Deposit Rates for details.