---
title: "SMART SAVERS — Darling Downs Bank"
description: "Transaction & Savings Accounts from Darling Downs Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/darling-downs-bank/products/S8
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-22T08:24:09.000+10:00
---

# SMART SAVERS — Darling Downs Bank

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

**Transaction & Savings Accounts · WARWICK CREDIT UNION**

SMART SAVERS

## At a glance

- **Base rate:** 0.6%

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 20.26% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0.6% | — | every 3 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ATM_TRANSACTION_FEE_BALANCE_ENQUIRY — ATM Fees are debited to the account with which the card is linked as part of end of day processing | Event | $1.50 |
| ATM_TRANSACTION_FEE_OTHER_ATM_WITHDRAWALS — ATM Fees are debited to the account with which the card is linked as part of end of day processing | Transaction | $1.50 |
| EXCESS_DRAWINGS_FEE — When funds are transferred to cover drawings without customer established instructions | Transaction | $5.00 |
| MEMBERSHIP_FEE — Charged when becoming a customer of WCU | Ongoing | $5.00 |
| OVERSEAS_TRANSACTION_FEE — Fee applied by WCU when a withdrawal is made at an ATM overseas (including VISA access card cash advances) | Transaction | $4.00 |
| PERIODIC_PAYMENT_FEE_BRANCH_ACTIONED — Transfers to a non-WCU Account.  WCU to WCU are free | Transaction | $6.50 |
| PHONE_ASSISTED_TRANSFERS — Only charged when staff assistance is required to transfer funds over the phone | Transaction | $2.50 |
| STATEMENT_FEE — When paper statements are requested - charged on statement cycle | Ongoing | $2.00 |
| VISA_DEBIT_CARD_REPLACEMENT — Charged unless proven compromised or stolen | Event | $12.00 |

## Features

- **Passbook Access**
- **Card access** (Visa Debit Card Access)
- **Additional cards** (Additional Visa Debit Cards Available)
- **Unlimited transactions** (Unlimited branch transactions)
- **Digital wallet** (Apple Pay and Google Pay enabled)
- **Digital banking** (Internet banking & WCU Connect App)
- **PayID** (Osko PayID supported)
- **Real-time payments (NPP)** (Osko PayID or BSB and Account Number supported)

## Eligibility

- **Residency status** (Individuals must be citizens or permanent residents of Australia.)
- **Must be a member of the Credit Union**

## Data provenance

- Published by Darling Downs Bank under the Consumer Data Right
- Product ID: `S8`
- Last updated by the provider: 21 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/darling-downs-bank/S8
- Provider page: https://www.cdrcompare.au/brands/darling-downs-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000232

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/darling-downs-bank/products/S8) — 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.

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