---
title: "Christmas Club — 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/S8_Xmas
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-22T07:56:33.000+10:00
---

# Christmas Club — 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**

Lock away your savings to relax and enjoy the festive season

## At a glance

- **Base rate:** 2.4%

## 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 | 2.4% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CHRISTMAS_CLUB_WITHDRAWAL_FEE — Charged on all withdrawals and transfers from the account between 1 January and 31 October. | Transaction | $5.00 |
| DORMANCY — Charge $10 every 6 months | Ongoing | $20.00 |
| 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 |

## Features

- **Real-time payments (NPP)**
- **PayID**
- **Bill payment (BPAY)** — BPAY
- **Notifications** — Track payments with SMS and email alerts
- **Unlimited transactions** ($5 fee on each withdrawal and transfer from this account bewteen 1 January and 31 October each year)
- **Bonus rewards** (Fee free withdrawals and transfers between 1 November and 31 December)

## 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/savings-accounts/christmas-club-account/)
- [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: `S8_Xmas`
- Last updated by the provider: 21 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qbank/S8_Xmas
- 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/S8_Xmas) — 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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