---
title: "Online Saver Account — Bank First"
description: "Transaction & Savings Accounts from Bank First. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-first/products/c4738728-0e16-4957-b37b-5547a99d56c4
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-21T23:39:40.135527Z
---

# Online Saver Account — Bank First

> Transaction & Savings Accounts from Bank First. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · Bank First Production**

Savings Account

## At a glance

- **Base rate:** 3.8%

## Apply

Applications are handled by the provider: [Apply at Bank First](https://form.bankfirst.com.au/account-application)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 3.8% | Online Saver Account_Tier_3 | monthly |
| Variable | 3.8% | Online Saver Account_Tier_2 | monthly |
| Variable | 0.05% | Online Saver Account_Tier_1 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Non- Individual Membership Establishment Fee — Applies when a Non-Individual membership is established | Upfront | $50.00 |
| Inactive Membership Fee — Charged yearly | Ongoing | $30.00 |
| Account Keeping Fees — Charged monthly | Ongoing | $0.00 |
| Direct Debit Stop Request | Event | $9.00 |
| Direct Entry Return Fee | Event | $2.50 |
| Direct Debit Dishonour Fee | Dishonour | $15.00 |
| Statement Request | Enquiry | $0.00 |
| Coin Handling Fee — Handling of a coin deposit or withdrawal - $5 per every $100. | Event | $5.00 |
| Overdrawn Account Fee — Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and charged again at seven day increments if the balance remains overdrawn / limit exceeded. | Event | $15.00 |

## Features

- **Phone Banking is available**
- **Other service related charges apply based on your circumstances**
- **Bill payment (BPAY)**
- **Bill payment (BPAY)** — Bpay
- **PayID**
- **Digital banking**

## Eligibility

- **Minimum age** — 18 years
- **Available to members only**

## More information from Bank First

- [Overview](https://www.bankfirst.com.au/bank-accounts/savings-accounts/online-saver)
- [Terms & conditions](https://www.bankfirst.com.au/disclosure-documents)
- [Eligibility](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6)
- [Fees & pricing](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37)

## Data provenance

- Published by Bank First under the Consumer Data Right
- Product ID: `c4738728-0e16-4957-b37b-5547a99d56c4`
- Last updated by the provider: 21 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-first/c4738728-0e16-4957-b37b-5547a99d56c4
- Provider page: https://www.cdrcompare.au/brands/bank-first
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000112

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-first/products/c4738728-0e16-4957-b37b-5547a99d56c4) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)