Future Start Savings
Transaction & Savings AccountsData Sharing Status
Encouraging savings for our Students and Apprentices with a bonus interest rate once the minimum $5 monthly deposit is made and no more than one withdrawal in the same month
- Base rate
- 0.15%
- Bonus rate
- 4.2%
- conditions apply
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Bonus | 4.2% | — | monthly |
| Variable | 0.15% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Direct Entry Recall of Funds | Event | $40.00 |
| DE Mistaken Payment Return Req | Event | $50.00 |
| Honour Charge | Event | $5.00 |
| Dishonour Insuff. Funds | Dishonour | $7.00 |
| Dormant Account Fee | Event | $15.00 |
| RTGS Payment Received Fee | Event | $7.20 |
| Transaction Fees Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges | Other | Variable |
| Monthly Account Fee Charged monthly | Ongoing | $0.00 |
Features
- Digital banking
- 24/7 Online and mobile banking
- Real-time payments (NPP)
- The New Payments Platform (NPP) provides you with faster, simpler and smarter payments through a fast and versatile payments system
- PayID
- The New Payments Platform (NPP) provides you with faster, simpler and smarter payments through a fast and versatile payments system
- Bonus Interest is paid when at least $5 is deposited into the account for that calendar month and no more than one withdrawal is made in the same month
- Unlimited transactions
Eligibility
- Maximum age — 23 years
- Minimum age — 18 years
- Individuals only
- Students — For 18 - 23 years of age undertaking full-time studies or an Australian apprenticeship
More Information
Published by Queensland Country Bank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 10 · View on CDR.gov.au