---
title: "Christmas Club — Maitland Mutual Limited"
description: "Transaction & Savings Accounts from Maitland Mutual Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Christmas_Club
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-30T12:54:37.000+10:00
---

# Christmas Club — Maitland Mutual Limited

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

**Transaction & Savings Accounts · The Mutual Bank**

A savings account for the festive period, where members can access the funds between 1 November and 31 January.

## At a glance

- **Base rate:** 1%

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Interest is paid 6 monthly on 30 June and 31 December.) | 1% | — | every 6 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CHEQUE_DISHONOUR — A dishonoured cheque is a cheque that is not paid by the financial institution on which it is drawn. A dishonour fee will apply each time the cheque is presented for payment and dishonoured. | Event | $9.00 |
| DIRECT_ENTRY_DISHONOUR — Payable when a direct entry (inward and outward) is dishonoured. | Event | $9.00 |
| DOCUMENT_FEE — $60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase. | Event | $60.00 |
| FINANCIAL_INSTITUTION_CHEQUE — Payable when you request us to issue a financial institution cheque. | Event | $2.50 |
| MISCELLANEOUS_SERVICE_FEE — $60.00 per hour. Payable if you request information not covered by the Document Fee. | Event | $60.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_AUSTRALIAN_CURRENCY — Payable if we assist you send funds electronically overseas in Australian dollars. | Event | $50.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_FOREIGN_CURRENCY — Payable if we assist you send funds electronically overseas in a foreign currency. | Event | $30.00 |
| PHYSICAL_FOREIGN_CURRENCY — 1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased. | Transaction | 1% of transaction |
| UNCLAIMED_MONIES_FEE — The lessor $20.00 or account balance. Payable when an account is classified as dormant. | Cash advance | $20.00 |
| ONLINE_INTERNATIONAL_TRANSFER_(OUTWARD) — Payable if you use online banking to transfer funds internationally. | Event | $30.00 |
| OVERDRAWN_FEE — If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order. | Event | $9.00 |

## Features

- **Digital banking** (Balance of account is available via Internet Banking from 1 November to 31 January each year only. Outside of these dates, withdrawals are permitted in branch)
- **PayID**
- **Real-time payments (NPP)**
- **Passbook account only**
- **Notifications** — Mutual Alerts - Balance, low and high balance, deposit, withdrawal
- **Unlimited transactions**
- **Staff assisted transactions - Branch and Contact Centre**

## Eligibility

- **Residency status** — Australian citizen or a permanent resident of Australia or otherwise approved
- **Individuals only** (Available for personal use only)
- **Minimum age** — 12 years

## Constraints

- **Opening balance** — $0.00
- **Minimum balance** — $0.00

## More information from Maitland Mutual Limited

- [Overview](https://www.themutual.com.au/everyday-banking/savings-investment-accounts/christmas-club/)
- [Terms & conditions](https://www.themutual.com.au/help-support/important-documents/)
- [Eligibility](https://www.themutual.com.au/help-support/important-documents/)
- [Fees & pricing](https://www.themutual.com.au/help-support/important-documents/)

## Data provenance

- Published by Maitland Mutual Limited under the Consumer Data Right
- Product ID: `Christmas_Club`
- Last updated by the provider: 30 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/maitland-mutual-limited/Christmas_Club
- Provider page: https://www.cdrcompare.au/brands/maitland-mutual-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000203

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Christmas_Club) — 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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