General Savings Account
Your everyday account, and a gateway to easy banking.
- Base rate
- 0.05%
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 |
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)
Eligibility
- Residency status — Australian ResidentThis product is only available to members who have a residential address in Australia.
More Information
Published by Qudos Bank under the Consumer Data Right · Last updated 29 April 2026 · Product ID 9fd443e8-0e52-466c-af81-3cdbe2c6030a · View on CDR.gov.au · View Source Data (JSON)