---
title: "CHRISTMAS CLUB — Horizon Bank"
description: "Transaction & Savings Accounts from Horizon Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/horizon-bank/products/S8_S80001
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T09:08:16.000+10:00
---

# CHRISTMAS CLUB — Horizon Bank

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

**Transaction & Savings Accounts · HORIZON BANK**

Christmas is an expensive time of year. Start budgeting early and be prepared with a Christmas Club account. Funds are available for withdrawal from 1 November to 31 January each year.

## At a glance

- **Base rate:** 2%

## Apply

Applications are handled by the provider: [Apply at Horizon Bank](https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 2% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| BULK_COIN_COUNTAGE — Up to 2% for bulk coin counting above $300. Fee excludes money boxes & community | Deposit | 2% of transaction |
| STATEMENT_COPY | Event | $2.50 |
| OVERDRAWN_SAVINGS_ACCOUNT — per occurence | Event | $20.00 |
| TOTAL_CASH_WITHDRAWAL_ABOVE_4000_PER_DAY — A fee of 0.25% of total cash withdrawals is charged for total cash withdrawals over $4000 in a day. | Withdrawal | 0.25% of transaction |
| FOREIGN_CHEQUE_DEPOSIT | Transaction | $11.00 |

## Features

- **Digital banking** (Internet Banking and Mobile Banking App.)
- **Bill payment (BPAY)** — BPAY (BPAY is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.)
- **Real-time payments (NPP)** (This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds.)
- **Funds are available for withdrawal from 1 November to 31 January each year.**

## More information from Horizon Bank

- [Overview](https://horizonbank.com.au/savings/savings-accounts/christmas-club/)
- [Terms & conditions](https://horizonbank.com.au/more/important-info/disclosure-documents/)
- [Fees & pricing](https://horizonbank.com.au/more/important-info/fees-and-charges/)

## Data provenance

- Published by Horizon Bank under the Consumer Data Right
- Product ID: `S8_S80001`
- Last updated by the provider: 30 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/horizon-bank/S8_S80001
- Provider page: https://www.cdrcompare.au/brands/horizon-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000211

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/horizon-bank/products/S8_S80001) — 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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