---
title: "Pensioner Account — Cairns bank"
description: "Transaction & Savings Accounts from Cairns bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/cairns-bank/products/S5
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-25T15:04:31.000+10:00
---

# Pensioner Account — Cairns bank

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

**Transaction & Savings Accounts · Cairns Bank**

A full transaction account designed for recipients of aged or disability pensions

## At a glance

- **Base rate:** 2.75%

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0.05% | Pensioner Account_Tier_1 | every 12 months |
| Variable | 1.5% | Pensioner Account_Tier_2 | every 12 months |
| Variable | 2.75% | Pensioner Account_Tier_3 | every 12 months |

## Features

- **Card access**
- **Digital banking**
- **Cheque book access**

## Eligibility

- **Pension recipients** (Recipents of Age and Disability Pensions)

## Constraints

- **Opening balance** (Min deposit $500 with cheque book access)

## More information from Cairns bank

- [Overview](https://cairnsbank.com.au/banking/transaction-accounts/pensioner-account/)
- [Terms & conditions](https://cairnsbank.com.au/information-and-support/disclosure/)
- [Eligibility](https://cairnsbank.com.au/information-and-support/disclosure/)
- [Fees & pricing](https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/)

## Data provenance

- Published by Cairns bank under the Consumer Data Right
- Product ID: `S5`
- Last updated by the provider: 25 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/cairns-bank/S5
- Provider page: https://www.cdrcompare.au/brands/cairns-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000075

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/cairns-bank/products/S5) — 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)