Smart Start
The ideal savings account for young workers. Enjoy a base interest rate and a bonus interest rate when you deposit $1,500/month. Package with the Smart Start Access account for everyday use.
- Base rate
- 0.45%
- Bonus rate
- 3.3%
- conditions apply
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 15.75% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Rate calculated if the account doesn't meet bonus rate requirements | 0.45% | — | monthly |
| Bonus Rate calculated if the account doesn't meet bonus rate requirements | 3.3% | — | monthly |
Features
- Bonus rewards
- Receive monthly bonus interest when a credit of $1500 or more is deposited into the account each month
- Digital banking
- 24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.
- Digital banking
- Secure banking 24/7 from your computer or mobile with Online Banking
- View your statements via Online Banking
Eligibility
- Minimum age — 18 yearsThe SmartStart account is limited to accountholders who are 18 to 29 years old
- Maximum age — 29 yearsOn a SmartStart accountholder's 30th birthday, the account funds and facilities are transferred to an Everyday Account and an interest bearing account
- Employment status — EmployedThe SmartStart account is limited to accountholders who are 18 to 29 years old in the workforce. The bonus interest is only paid where a minimum payroll credit of $1500 is electronically deposited to the Member's smartSTART Account each month
- Residency status — AUIndividuals must be citizens or permanent residents of Australia.
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 12 April 2026 · Product ID NICUS15 · View on CDR.gov.au · View Source Data (JSON)