---
title: "Junior Account — SWSbank"
description: "Transaction & Savings Accounts from SWSbank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/swsbank/products/S8_SSav
source: "CDR Compare"
language: en-AU
last_updated: 2025-09-15T11:04:52.000+10:00
---

# Junior Account — SWSbank

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

**Transaction & Savings Accounts · South West Slopes Credit Union Ltd trading as SWSbank**

Junior Account

## At a glance

- **Base rate:** 1.5%

## Apply

Applications are handled by the provider: [Apply at SWSbank](https://swscu.apply-online.com.au/#/5e7b4a3f-73sghs-4d7a-93c1-8cbaf6fcb318)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 12.5% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 1.5% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| EXCESS_TRANSACTION_FEES — Excess Transaction Fees are incurred when the number of Free Transactions for the month are exceeded. | Event | 0% of transaction (monthly) |
| CHARGEBACK_EFT_DISPUTE | Event | $20.00 |
| CHARGEBACK_VOUCHER_RETRIEVAL_FEE — fee per transaction lodged per Visa Dispute | Event | $30.00 |
| CHEQUE_DEPOSIT_DISHONOUR_FEE — Cheque Deposited to members account is dishonoured | Transaction | $5.00 |
| CHEQUE_TRACE_FEE — establish final destination (who received cheque value) | Event | $45.00 |
| CURRENCY_CONVERSION_FEE_VD — Visa Debit 2% of transaction amount will apply to any foreign currency | Transaction | 2% of transaction |
| DORMANT_ACCOUNT_FEE — No member generated activity for at least 2 years with no member response | Event | $10.00 |
| DUPLICATED_MEMBER_STATEMENT_FEE | Event | $3.00 |
| ELECTRONIC_PAYMENT_FEE — to Establish Direct Entry final destination, manual dishonour, Bpay enquiry and/or correction, Mistaken Payment | Event | $25.00 |
| SWIFT_PAYMENTS_(RTGS) — Incoming RTGS charge | Event | $10.00 |
| SWIFT_PAYMENT_(RTGS) — Outbound RTGS Domestic payment | Event | $15.00 |
| VISA_CARD_FEE | Event | $15.00 |

## Features

- **Card access** — Visa Debit Card Available, no paywave facility
- **Bill payment (BPAY)** — Periodical Payments System
- **Digital banking**
- **Digital wallet** — Apple Pay, Google Pay and Samsung Pay available
- **Notifications** — Monthly or 6 monthly statements available
- **Real-time payments (NPP)**
- **PayID**

## Eligibility

- **Minimum age** — 10 years
- **Individuals only**
- **Residency status** — Australian citizen or permanent resident
- **Maximum age** — 13 years

## More information from SWSbank

- [Overview](https://www.swsbank.com.au/accounts/junior-accounts/junior-account/)
- [Fees & pricing](https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/)

## Data provenance

- Published by SWSbank under the Consumer Data Right
- Product ID: `S8_SSav`
- Last updated by the provider: 15 September 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/swsbank/S8_SSav
- Provider page: https://www.cdrcompare.au/brands/swsbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000185

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/swsbank/products/S8_SSav) — 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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