---
title: "Savings Account — Gateway Bank"
description: "Transaction & Savings Accounts from Gateway Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/gateway-bank/products/1
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T14:00:31.7741576Z
---

# Savings Account — Gateway Bank

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

**Transaction & Savings Accounts**

Savings Account

## At a glance

- **Base rate:** 0.25%

## Apply

Applications are handled by the provider: [Apply at Gateway Bank](https://www.gatewaybank.com.au/banking/bank-accounts/everyday-savings-account/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0.05% | Floating Balance Tier 1 | every 6 months |
| Variable | 0.15% | Floating Balance Tier 2 | every 6 months |
| Variable | 0.15% | Floating Balance Tier 3 | every 6 months |
| Variable | 0.15% | Floating Balance Tier 4 | every 6 months |
| Variable | 0.25% | Floating Balance Tier 5 | every 6 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Cheque Withdrawal Fee — Corporate (Bank) Cheque - Over the counter or mailed | Transaction | $7.50 |
| Overseas ATM — Payable to overseas institution. Direct Charge to Member. Plus Conversion at cost | Other | Variable |
| Overseas ATM — Payable to Gateway Bank | Other | Variable |
| OTC Withdrawal Fee — Withdrawl Transaction Fee for staff assisted transactions | Transaction | $7.50 |
| Bank @ Post — Withdrawal fee $2.65, Deposit fee $0, Cheque dishonour $24 | Transaction | $0.00 |
| Voucher Request | Event | $20.00 |
| Chargeback | Event | $28.00 |
| Cheque Dishonour Fee — Payable each occasion a cheque credited to your account is dishonoured by another financial institution | Event | $10.00 |
| Transaction Fee | Event | $7.50 |
| BPay Fee — BPAY Payment (Staff assisted) | Event | $7.50 |
| BPay Trace — BPAY Trace | Event | $25.00 |
| BPay Error Correction — BPAY Error Correction | Event | $25.00 |
| Direct Entry/EFT Trace — Direct Entry/EFT Trace | Event | $25.00 |
| Direct Entry/EFT Recall — Direct Entry/EFT Recall | Event | $25.00 |
| RTGS (same day EFT) — Real Time Gross Settlement (RTGS) (same day EFT) | Event | $30.00 |
| QuickDebit Dishonour Fee — Payable each occasion payment credited to your account is dishonoured by another financial institution. At cost currently $15 | Event | $15.00 |
| Dishonour Fee — Any fee charged in relation to a dishonoured payment will be passed on to you | Event | $15.00 |
| Overseas ATM — Payable to overseas institution. Direct Charge to Member Plus Conversion at cost. | Other | Variable |

## Features

- **Bill payment (BPAY)** (24/7 access and BPAY facilities via Online Banking and Telephone Banking)
- **Card access** — Link a Gateway Visa Debit Card (Link a Gateway Visa Card for $5 per month (waived if you have a Gateway Home Loan), giving you the freedom of EFTPOS and ATMs across Australia.)
- **Digital banking** (Access is available to online banking features for the product.)
- **Unlimited transactions** (Unlimited fee-free transactions)

## Eligibility

- **Pension recipients**

## More information from Gateway Bank

- [Overview](https://www.gatewaybank.com.au/banking/bank-accounts/everyday-savings-account/)
- [Terms & conditions](https://www.gatewaybank.com.au/important-information)
- [Fees & pricing](https://www.gatewaybank.com.au/media/4lwjloxy/fees-and-charges-and-transaction-limits.pdf)

## Data provenance

- Published by Gateway Bank under the Consumer Data Right
- Product ID: `1`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gateway-bank/1
- Provider page: https://www.cdrcompare.au/brands/gateway-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000132

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/gateway-bank/products/1) — 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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