---
title: "Qsaver — Qudos Bank"
description: "Transaction & Savings Accounts from Qudos Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/qudos-bank/products/0163af4a-b66d-4b8f-9742-5c6a8a844f55
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-19T23:23:37.535Z
---

# Qsaver — Qudos Bank

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

**Transaction & Savings Accounts**

Savings made simple. Take your savings to the next level, with Qudos Bank's QSaver.

## At a glance

- **Base rate:** 4.45%

## Apply

Applications are handled by the provider: [Apply at Qudos Bank](https://join.qudosbank.com.au/#/welcome?productcode=120)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 4.35% | $0 - $499,999.99 | monthly |
| Variable | 4.45% | $500,000 - $1,999,999.99 | monthly |
| Variable | 2.75% | $2,000,000+ | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| SMS Banking Requests — This fee applies to each SMS Banking message sent to your mobile phone. The fee will be debited to your main savings account (S0) at the time the SMS is sent. Your telecommunications provider may also charge you a fee for sending and receiving SMS. Note: This service is not to be mistaken with QSafe SMS Authentication – which is a free service. | Event | $0.25 |
| Domestic Telegraphic Transfer — This fee applies to telegraphic transfers on behalf of Members, arranged via Westpac. This fee will be charged at the time of the transfer | Event | $20.00 |
| International telegraphic transfer online — At the request of Members, we can provide certain foreign exchange and payment services. We may receive a commission for providing these services to you, refer to our FSG for details. | Event | $10.00 |
| International telegraphic transfers phone or email assisted  (sent in foreign currency) | Event | $30.00 |
| Foreign Cheque Deposits AUD$5,000 and over — This fee applies to foreign cheques deposited on behalf of Members, via Convera. This fee will be charged at the time of the deposit. | Event | $50.00 |
| Foreign Cheque Deposits under AUD$5000 — This fee applies to foreign cheques deposited on behalf of Members, via Convera. This fee will be charged at the time of the deposit. | Event | $20.00 |
| Electronic debit rejection fee | Event | $0.00 |
| Dormant Accounts — Charged yearly · This fee is applied if one or more savings accounts under a member number have been classified as dormant. An account is classified as dormant if there have been no member-initiated transactions for 12 months and we have followed the procedures required by our Constitution. This fee is charged annually per member and is typically applied at the start of each calendar year. | Ongoing | $10.00 |
| Copies of documents other than statements — No charge applies for copies of documents such as loan or withdrawal forms. | Event | $0.00 |
| Statement Copies — This fee is applied when a Member requests a copy of a statement on an account for a period more than 3 months before the request. There is no charge for copies of statements less than 3 months old. This fee will be charged at the time the copy is provided. | Event | $5.00 |
| Account Keeping Fee — Charged yearly | Ongoing | $0.00 |
| Inward cheque rejection fee — This fee is applied for each cheque deposited to a Member's account which is subsequently rejected. This fee will be charged at the time of the rejection. | Deposit | $15.00 |

## Features

- **Digital banking** — Instant funds transfer through Online Banking and App (Instant funds transfer through Online Banking and App)
- **Grow your savings easily with no card access**
- **Make external transfers to any Australian bank account**
- **No minimum balance or fixed term**
- **Bill payment (BPAY)** — BPAY
- **Set up direct debits and direct credits**
- **Real-time payments (NPP)**
- **PayID**

## Eligibility

- **Residency status** — Australian Resident (This product is only available to members who have a residential address in Australia.)

## More information from Qudos Bank

- [Overview](https://www.qudosbank.com.au/products/savings-accounts/qsaver)
- [Terms & conditions](https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions)
- [Eligibility](https://www.qudosbank.com.au/products/savings-accounts/qsaver)
- [Fees & pricing](https://www.qudosbank.com.au/products/savings-accounts/qsaver)

## Data provenance

- Published by Qudos Bank under the Consumer Data Right
- Product ID: `0163af4a-b66d-4b8f-9742-5c6a8a844f55`
- Last updated by the provider: 19 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qudos-bank/0163af4a-b66d-4b8f-9742-5c6a8a844f55
- Provider page: https://www.cdrcompare.au/brands/qudos-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000134

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/qudos-bank/products/0163af4a-b66d-4b8f-9742-5c6a8a844f55) — 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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