---
title: "iSaver — The Capricornian"
description: "Transaction & Savings Accounts from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-capricornian/products/33563233-c746-4110-b19e-2dbe984248fd
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-23T23:57:47.626724Z
---

# iSaver — The Capricornian

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

**Transaction & Savings Accounts · THE CAPRICORNIAN**

An internet-based savings account to help reach your saving goals faster.

This online account provides anytime access and rewards you with interest. As an added bonus, the iSaver can be used as an offset account for eligible home loan products to help reduce the monthly interest on your loan.

## At a glance

- **Base rate:** 0.5%

## Apply

Applications are handled by the provider: [Apply at The Capricornian](https://www.capricornian.com.au/about-us/contact-us/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Account to be operated online in order to avoid transaction fees.) | 0.35% | ISAVER_Tier_2 | monthly |
| Variable (Account to be operated online in order to avoid transaction fees.) | 0% | ISAVER_Tier_1 | monthly |
| Variable (Account to be operated online in order to avoid transaction fees.) | 0.5% | ISAVER_Tier_3 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Direct Debits | Transaction | $1.00 |
| BPAY | Transaction | $1.00 |
| External Funds Transfer | Transaction | $1.00 |

## Features

- **Offset account** (For eligible The Capricornian Ltd, Mortgage Loan products)
- **Account sweep available
Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance**
- **PayID** (An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available)
- **Real-time payments (NPP)** (An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available)
- **Notifications** — Notification via email, SMS or secure message in online banking. (SMS and/or email notifications available)
- **Digital banking** (Online banking and mobile app)
- **Bill payment (BPAY)** — BPAY Transaction

## Eligibility

- **You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you**
- **Residency status** — Individuals must be citizens or permanent residents of Australia

## More information from The Capricornian

- [Overview](https://www.capricornian.com.au/banking/i-saver-banking-account/)
- [Terms & conditions](https://www.capricornian.com.au/conditions-of-use/)
- [Eligibility](https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/)
- [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/)

## Data provenance

- Published by The Capricornian under the Consumer Data Right
- Product ID: `33563233-c746-4110-b19e-2dbe984248fd`
- Last updated by the provider: 23 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/33563233-c746-4110-b19e-2dbe984248fd
- Provider page: https://www.cdrcompare.au/brands/the-capricornian
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/33563233-c746-4110-b19e-2dbe984248fd) — 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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