---
title: "Everyday Account — Newcastle Permanent Building Society"
description: "Transaction & Savings Accounts from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/AC_everyday
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00+10:00
---

# Everyday Account — Newcastle Permanent Building Society

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

**Transaction & Savings Accounts · Newcastle Permanent**

A flexible everyday account designed to help make banking easier offering a wide range of transactional facilities and unlimited free everyday transactions.

## At a glance

- **Base rate:** 0.01%

## Apply

Applications are handled by the provider: [Apply at Newcastle Permanent Building Society](https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Credit interest you earn is worked out as tiered interest using the annual rate divided by 365 on the daily opening balance and paid six monthly to the account on the last day of June and December.) | 0.01% | Entire Balance $0+ | every 6 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Real Time Gross Settlements (RTGS) - Inward NPBS fee — Capped at $0.00 | Deposit | $12.00 |
| Visa Cash Advance — Capped at $0.00 | Cash advance | $5.00 |
| Dishonour (Direct Debit and Cheque) — Capped at $0.00 | Dishonour | $9.00 |
| Real Time Gross Settlements (RTGS) — Capped at $0.00 · When you send an RTGS | Withdrawal | $30.00 |
| Account Overdrawn | Event | $5.00 |
| Card Replacement Overseas — Capped at $0.00 | Replacement | $100.00 |
| Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee — Capped at $0.00 · Unascertainable | Deposit | Variable |
| Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee — Capped at $0.00 · Unascertainable | Withdrawal | Variable |
| Financial Institution Cheque Replacement — Capped at $0.00 | Replacement | $15.00 |
| Foreign Currency Conversion — Capped at $0.00 | Purchase | 3% of transaction |
| Financial Institution Cheque | Withdrawal | $10.00 |
| Document and Miscellaneous Service — Capped at $0.00 ·  $60/hour (min $10/copy) | Enquiry | Variable |

## Features

- **Card access** — Visa Debit Card (Cashcard no longer available for issue from 27 November 2024).
- **Real-time payments (NPP)** (OSKO)
- **Digital banking** (Internet Banking and Mobile Banking)
- **Unlimited transactions** (Unlimited free everyday transactions for: Automatic Transfers, Direct Debit Request, Internet banking, ATM Withdrawal (NP), BPAY, Visa Debit card purchase (when pressing the credit button), EFTPOS, Cheque Clearance, and Branch Withdrawal. Subject to amount limits.)
- **Bill payment (BPAY)** — BPAY View
- **PayID** (OSKO)
- **Digital wallet** — Apple Pay (Available for Visa cards only.)
- **Digital wallet** — Google Pay (Available for Visa cards only.)
- **Cheque book available (must be 18+).**

## Eligibility

- **Residency status** — Available to permanent Australian Residents 
- **Individuals only** (This account is for personal use by individuals (no age restrictions apply) including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees.)

## More information from Newcastle Permanent Building Society

- [Overview](https://www.newcastlepermanent.com.au/personal/everyday-banking/everyday-account)
- [Terms & conditions](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions)
- [Eligibility](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions)
- [Fees & pricing](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions)

## Data provenance

- Published by Newcastle Permanent Building Society under the Consumer Data Right
- Product ID: `AC_everyday`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/newcastle-permanent-building-society/AC_everyday
- Provider page: https://www.cdrcompare.au/brands/newcastle-permanent-building-society
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000299

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/AC_everyday) — 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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