---
title: "SmartBudget — Queensland Country Bank"
description: "Transaction & Savings Accounts from Queensland Country Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/queensland-country-bank/products/24
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T14:00:25.1767444Z
---

# SmartBudget — Queensland Country Bank

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

**Transaction & Savings Accounts**

Transaction account linked to an agreement in which regular deposits are made in return for payment of nominated bills. When combined with the linked agreement this assists budgeting by smoothing out the expenses paid under the agreement.

## At a glance

- **Base rate:** 0.01%

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | Floating $0–$4,999.99 | monthly |
| Variable | 0.01% | USER-INPUT-RATE/1 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Account Service Fee — Charged monthly · Discount −100% of fee — Dormant Account (eligibility: Other: Monthly Account Service Fee is waived for accounts in a dormant status) | Ongoing | $5.00 |

## Features

- **Bill payment (BPAY)** — SmartBudget Account
- **Digital banking** (24/7 Online and mobile access via the SmartBudget member portal)
- **Unlimited transactions**

## Eligibility

- **Minimum age** — 17 years

## More information from Queensland Country Bank

- [Overview](https://www.queenslandcountry.bank/Banking/budgeting-tools/smartbudget/)
- [Terms & conditions](https://www.queenslandcountry.bank/siteassets/documents/brochures/terms_conditions_smartbudget.pdf)
- [Fees & pricing](https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf)

## Data provenance

- Published by Queensland Country Bank under the Consumer Data Right
- Product ID: `24`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/queensland-country-bank/24
- Provider page: https://www.cdrcompare.au/brands/queensland-country-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000123

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/queensland-country-bank/products/24) — 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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