---
title: "Pension Plus Account — QBANK"
description: "Transaction & Savings Accounts from QBANK. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/qbank/products/S12_Pension
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-22T07:58:21.000+10:00
---

# Pension Plus Account — QBANK

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

**Transaction & Savings Accounts**

A high interest account for retired members or members with an eligible pension card.

## At a glance

- **Base rate:** 2.85%

## Apply

Applications are handled by the provider: [Apply at QBANK](https://applications.qbank.com.au/before-you-start/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | Pension Plus Account_Tier_1 | monthly |
| Variable | 1.45% | Pension Plus Account_Tier_2 | monthly |
| Variable | 2.85% | Pension Plus Account_Tier_3 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ACCOUNT_AUDIT_CONFIRMATION | Transaction | $10.00 |
| ATM_DISPUTE_FEE | Event | $27.50 |
| BANK@POST_WITHDRAWALS | Transaction | $2.50 |
| BANK_CHEQUE_WITHDRAWALS | Transaction | $13.00 |
| CASH_ADVANCE_____AUSTRALIA_&_INTERNATIONAL | Transaction | $5.00 |
| CHEQUE_DEPOSIT — Special Clearance | Event | $15.00 |
| CHEQUE_DISHONOURS — Cheque Deposit subsequently dishonoured through Bank@Post Australia Post may charge a fee | Transaction | $11.50 |
| COPY_OF_PAID_CORPORATE_CHEQUE | Transaction | $6.50 |
| COPY_OF_PERSONAL_CHEQUE/VOUCHER_30_TO_90_DAYS | Transaction | $16.50 |
| COPY_OF_PERSONAL_CHEQUE/VOUCHER_OVER_90_DAYS | Transaction | $33.00 |
| COPY_OF_PERSONAL_CHEQUE/VOUCHER_UNDER_30_DAYS | Transaction | $11.00 |
| COPY_OF_VISA_TRANSACTION_VOUCHER | Transaction | $35.00 |
| CORPORATE_CHEQUE_WITHDRAWALS | Transaction | $3.00 |
| DEBIT_EXTERNAL_ACCOUNT_REJECTION_FEE | Transaction | $5.00 |
| DIRECT_DEBIT_DISHONOURS/NON_PAYMENT | Transaction | $11.50 |
| DIRECT_DEBIT_INVESTIGATION | Event | $40.00 |
| DORMANCY — Charge $10 every 6 months | Ongoing | $20.00 |
| EMERGENCY_VISA_CASH_OR_CARD_(OVERSEAS) — $175.00 USD | Event | $175.00 |
| FOREIGN_CASH_DEPOSIT_(PER_CURRENCY) | Transaction | $8.00 |
| FOREIGN_CHEQUE_DEPOSIT | Transaction | $15.00 |
| INTERNATIONAL_ATM_TRANSACTION | Transaction | $5.00 |
| OVERDRAWN_SAVINGS_ACCOUNTS — Debit interest is charged if the balance of your Savings Accounts are overdrawn where an Overdraft limit exists.Unauthorised Overdrawn Savings and Overlimit Overdraft Fee | Event | $30.00 |
| PURCHASE_FOREIGN_CASH_(MINIMUM_ORDER_$250_AU) — Purchase Foreign Cash (minimum order $250 AU) | Event | $0.00 |
| RE-PURCHASE_FOREIGN_CASH_(CANCELLATION_OF_PURCHASE_ORDER) | Event | $8.00 |
| RECALL_OF_BPAY | Event | $12.00 |
| RECALL_OF_EXTERNAL_TRANSFER — Includes NPP and OSKO transactions  to other financial institutions | Event | $40.00 |
| RECALL_OF_TELEGRAPHIC_TRANSFER_(WITHIN_AUSTRALIA_&_OVERSEAS) | Transaction | $35.00 |
| REPLACEMENT_OF_CUE_&_VISA_CARD — Under 18 y/o and renewal cards exempt | Event | $5.00 |
| REPLACEMENT_VISA_WRISTBAND_(INCLUDING_CHIP) | Event | $15.00 |
| STATEMENTS_/_VOUCHER_SEARCHES — No charge for current transaction list.Reissue more than 6 months.$5 per page | Event | $5.00 |
| STOP_PAYMENT_OF_CORPORATE_CHEQUES | Transaction | $12.00 |
| TELEGRAPHIC_TRANSFERS_OVERSEAS | Transaction | $25.00 |
| TELEGRAPHIC_TRANSFERS_WITHIN_AUSTRALIA | Transaction | $15.00 |
| TRACE_OF_BPAY | Event | $12.00 |
| TRACE_OF_EXTERNAL_TRANSFER — Includes NPP and OSKO transactions  to other financial institutions | Event | $40.00 |
| TRACE_OF_PAID_PERSONAL_CHEQUE | Transaction | $22.00 |
| TRACE_OF_PAID_CORPORATE_CHEQUE | Transaction | $17.50 |
| TRAVELLERS_CHEQUE_DEPOSIT_(PER_CURRENCY) | Transaction | $8.00 |
| VISA_CARD_ADMIN_FEE — Visa Debit Card per account and waived for loan balances over $50,000 or savings balances over $20,000 | Ongoing | $2.00 |
| VISA_CHARGEBACK_TRANSACTION | Transaction | $35.00 |
| VISA_INTERNATIONAL_TRANSACTION_FEE — International Transaction Fee transaction when converted to $AUD | Transaction | 3.65% of transaction |

## Features

- **Card access** — Visa Debit with payWave
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Real-time payments (NPP)**
- **PayID**
- **Bill payment (BPAY)** — BPAY
- **High Rate of Interest with easy access to your money**
- **Notifications** — Track payments with SMS and email alerts
- **Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.**
- **Unlimited transactions**
- **Digital banking**
- **Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwiese exceed your transasction account's available balance.**
- **Additional cards**

## Eligibility

- **You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.**

## More information from QBANK

- [Overview](https://www.qbank.com.au/products/accounts/retirement-accounts)
- [Terms & conditions](https://www.qbank.com.au/terms-conditions)
- [Eligibility](https://www.qbank.com.au/who-can-join)
- [Fees & pricing](https://www.qbank.com.au/rates-fees)

## Data provenance

- Published by QBANK under the Consumer Data Right
- Product ID: `S12_Pension`
- Last updated by the provider: 21 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qbank/S12_Pension
- Provider page: https://www.cdrcompare.au/brands/qbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000210

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/qbank/products/S12_Pension) — 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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