---
title: "Smart Saver 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_smartsaver
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00+10:00
---

# Smart Saver 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**

This savings account is designed to help members reach their savings goals.

## At a glance

- **Base rate:** 0.05%
- **Bonus rate:** 4.45% (conditions apply)

## 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 |
| --- | --- | --- | --- |
| Bonus | 4.45% | $250000 + | monthly |
| Bonus | 4.45% | $50000 - $100000 | monthly |
| Bonus | 4.45% | $100000 - $250000 | monthly |
| Variable (Standard interest is earned every calendar month that your smart saver account has maintained a positive balance. The standard variable rate applies to your entire balance, regardless of if the bonus conditions are met.) | 0.05% | Entire Balance $0+ | monthly |
| Bonus | 4.45% | $0 - $50000 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Real Time Gross Settlements (RTGS) - Outward Third party financial institution fee — Capped at $0.00 · Unascertainable | Withdrawal | Variable |
| Branch Withdrawal — 2 free Branch Withdrawals per month | Withdrawal | $3.00 |
| Real Time Gross Settlements (RTGS) - Inward NPBS fee — Capped at $0.00 | Deposit | $12.00 |
| Real Time Gross Settlements (RTGS) — Capped at $0.00 · When you send an RTGS | Withdrawal | $30.00 |
| Foreign Currency Conversion — Capped at $0.00 | Purchase | 3% of transaction |
| Account Overdrawn | Event | $5.00 |
| Financial Institution Cheque Replacement — Capped at $0.00 | Replacement | $15.00 |
| Card Replacement Overseas — Capped at $0.00 | Replacement | $100.00 |
| Visa Cash Advance — Capped at $0.00 | Cash advance | $5.00 |
| Financial Institution Cheque | Withdrawal | $10.00 |
| Dishonour (Direct Debit and Cheque) — Capped at $0.00 | Dishonour | $9.00 |
| Real Time Gross Settlements (RTGS) - Inward Third party financial institution fee — Capped at $0.00 · Unascertainable | Deposit | Variable |
| Document and Miscellaneous Service — Capped at $0.00 ·  $60/hour (min $10/copy) | Enquiry | Variable |

## Features

- **Digital banking** (Internet Banking and Mobile Banking)
- **Unlimited transactions** (Unlimited free BPay, Visa Debit card purchase (when pressing the credit button), eftpos, Automatic transfers, and Internet banking transactions (branch transactions not included). Subject to amount limits.)
- **Bill payment (BPAY)** — BPAY View
- **Real-time payments (NPP)** (OSKO)
- **Free transactions** — 2 (2 free branch withdrawals per month.)
- **Card access** — Visa Debit Card (Visa Debit Cards are only available for accounts opened pre-1 May 2024.)
- **PayID** (OSKO)
- **Digital wallet** — Google Pay (Available for Visa cards only.)
- **Digital wallet** — Apple Pay (Available for Visa cards only.)

## Eligibility

- **Minimum age** — 25 years (At least one account holder must be 25 years of age or older at the date of opening)
- **Residency status** — Available to permanent Australian Residents 
- **Individuals only** (This account is for personal use by individuals 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/saving-accounts/smart-saver-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_smartsaver`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/newcastle-permanent-building-society/AC_smartsaver
- 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_smartsaver) — 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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