--- title: "Scoot Super Saver — BCU Bank" description: "Transaction & Savings Accounts from BCU Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bcu-bank/products/138 source: "CDR Compare" language: en-AU last_updated: 2026-08-27T10:00:40.8121042Z --- # Scoot Super Saver — BCU Bank > Transaction & Savings Accounts from BCU Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts · bcu** A savings account suitable for children aged 0 to 12. ## At a glance - **Base rate:** 3.25% ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Variable (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 3.25% | Floating Balance Tier 1 | monthly | | Variable (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 2.15% | Floating Balance Tier 2 | monthly | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Overseas Telegraphic Transfer — $45 per staff assisted telegraphic transfer sent in AUD currency. $30 per staff assisted telegraphic transfer sent in a foreign currency. | Transaction | $45.00 | | International Transfer Fee — Per online banking transfer sent in a foreign currency. | Transaction | $15.00 | | Cash Handling Fee — Coin and note deposits are available at BCU branches. Coin deposits must be counted and bagged by customers or you will be charged 5% of the coin amount. Note deposits more than $10,000 per day will be charged at 0.25% of the deposit amount. | Transaction | Variable | | Bank Cheque Fee — Per bank cheque requested by you. | Event | $0.00 | | Manual Trace Fee — Charged for your request to manually trace a payment to confirm receipt of payment. | Transaction | $0.00 | | Visa Chargeback Request Fee — When a cardholder raises a dispute relating to a card transaction. | Event | $25.00 | | Statement Retrieval Fee — Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $0.00 | | Audit Certificate Fee — Charged per audit certificate request. | Event | $0.00 | | RTGS From Another Bank — Per payment received into your account. To cover the cost of processing 'SWIFT' payments from overseas and same day local payments through 'RTGS' (Real Time Gross Settlement) systems. | Transaction | $0.00 | | RTGS To Another Bank — Per payment sent from your account. To cover the cost of processing 'SWIFT' payments as same day local payments through 'RTGS' (Real Time Gross Settlement) systems. | Transaction | $0.00 | | Referral Fee — Where an account has insufficient available funds to cover a direct debit transaction, and the transaction is honoured by BCU Bank. | Event | $3.50 | | Dishonour Fee — Where a direct debit is dishonoured due to insufficient funds. | Dishonour | $6.00 | | Auto Transfer Dishonour Fee — Charged where there are insufficient funds in your account when an external auto transfer or BPAY payment is due to be made. | Dishonour | $0.00 | | Overdrawn Account Management Fee — A fee applied in relation to any month where we allow the approved credit limit on your account to be exceeded by more than $50 or, if your account does not have an approved credit limit, if we allow you to overdraw your account by more than $50. | Event | $10.00 | | Foreign Cheque Deposit <$25,000 Fee — $10 fee for foreign cheque deposits up to $25,000 AUD. Eligible members can deposit foreign cheques in branch. | Deposit | $10.00 | | Foreign Cheque Deposit $25,000+ Fee — $60 fee for foreign cheque deposits of $25,000 AUD or more. Eligible members can deposit foreign cheques in branch. | Deposit | $60.00 | ## Features - **Digital banking** (Parents and guardians can manage the account using the BCU Bank app and internet banking. Payments made with PayID or using Osko are received in near real-time.) - **Eligible members can deposit foreign cheques in branch. $10 fee for foreign cheque deposits up to $25,000 AUD and $60 fee for foreign cheque deposits over $25,000 AUD. Please contact us on 1300 228 228 or visit your nearest branch for more information.** - **Unlimited transactions** (Save money with no monthly, minimum balance or transaction fees. Other fees and charges may apply. Please visit our website for full information.) ## Eligibility - **Maximum age** — 12 years (Just for kids between 0 to 12 years of age) - **Individuals only** (Member must be a natural person rather than another legal entity.) - **You must be or become a BCU Bank member** - **Residency status** — You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies. ## Constraints - **Maximum balance** — $5,000,000.00 (Maximum balance is $5,000,000) ## More information from BCU Bank - [Overview](https://www.bcu.com.au/everyday-banking/savings-accounts/kids-savings-account/) - [Terms & conditions](https://www.bcu.com.au/important-information/terms-and-conditions/savings-accounts--access-channels/) - [Fees & pricing](https://www.bcu.com.au/help-centre/fees-and-charges/everyday-savings-accounts-fees-and-charges/) ## Data provenance - Published by BCU Bank under the Consumer Data Right - Product ID: `138` - Last updated by the provider: 27 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bcu-bank/138 - Provider page: https://www.cdrcompare.au/brands/bcu-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000130 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bcu-bank/products/138) — product data published by Australian data holders under the Consumer Data Right. 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