---
title: "General Savings Account — 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/9fd443e8-0e52-466c-af81-3cdbe2c6030a
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-29T23:00:25.019Z
---

# General Savings Account — 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**

Your everyday account, and a gateway to easy banking.

## At a glance

- **Base rate:** 0.05%

## Apply

Applications are handled by the provider: [Apply at Qudos Bank](https://join.qudosbank.com.au/#/welcome?productcode=100)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | $0 - $49,999.99 | monthly |
| Variable | 0.05% | $50,000+ | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 |
| ATM Transactions — A fee may apply to use ATMs in Australia or overseas. This fee may be charged by the owner of the ATM at the time of the withdrawal. Members should be advised by the ATM owner of the amount of the fee prior to the transaction and be asked to accept the fee to continue with the transaction. | Other | $0.00 – $0.00 |
| Overseas Card Transactions — This fee applies to foreign currency transactions made using a Visa Card, and includes a currency conversion assessment of 1% by Visa International. For example, if the value of the transaction is $100, the fee would be $3.00 (including a currency conversion assessment of $1.00). Please note that some online merchants may display a price in Australian dollars but process the transaction in a foreign currency. | Transaction | 3% of transaction |
| 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 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 |
| 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 |
| Replacement Cards | Event | $0.00 |
| Electronic debit rejection fee | Event | $0.00 |
| Emergency Overseas Visa Cash Advance — Visa International can arrange for a cash advance to be issued if your card is lost, stolen or damaged whilst you are overseas. It should be noted that this fee can be avoided by obtaining cash from any bank displaying the Visa logo after an emergency card has been issued by Visa International. Important: If you apply for an emergency replacement card and an emergency cash advance from Visa International, your Qudos Bank account will be debited with both fees amounting to US$350.00. | Replacement | USD 175.00 |
| Emergency Overseas Visa Replacement Card — Visa International can arrange for the issue of an emergency replacement card if your card is lost, stolen or damaged whilst you are overseas. Visa International bills this charge to your Qudos Bank account | Replacement | USD 175.00 |
| 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 |

## Features

- **Card access** — Visa (Optional Visa Debit card linked with a General Savings Account)
- **Interest calculated daily and paid monthly**
- **Bill payment (BPAY)** — BPAY
- **Digital banking** — Online Banking & App
- **Bank at Post using your access card**
- **Auto transfers set up on your account**
- **Direct debits & credits**
- **Real-time payments (NPP)**
- **PayID**
- **Digital wallet** — Apple Pay, Google Pay, FitBit

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

## Data provenance

- Published by Qudos Bank under the Consumer Data Right
- Product ID: `9fd443e8-0e52-466c-af81-3cdbe2c6030a`
- Last updated by the provider: 29 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/qudos-bank/9fd443e8-0e52-466c-af81-3cdbe2c6030a
- 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/9fd443e8-0e52-466c-af81-3cdbe2c6030a) — 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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