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Christmas Saver account
Get prepared for the silly season
Savings accounts
Christmas Saver
4.10%p.a. 1
Access your savings from 1 November to 31 January each year without penalty.
Features and benefits
Control
You can’t access your money outside the silly season so you aren’t tempted to spend it on something else.
Predictable
Set up a regular savings plan and be rewarded with interest calculated on the daily balance and paid on the last day of October annually.
Easy
It’s easy to keep track of your balances and savings goals with alerts and our mobile app.
$0
Regular deposits
There’s no requirement to save every month, plus there are no monthly fees.
Nov-Jan
When you can spend
Access your money between 1 November to 31 January.
$0
Starting deposit
You can start with nothing and build up to $30,000. Maximum of one account per member.
$20
Emergency access
A fee applies if you need to access your savings between 1 February to 31 October each year.
How to apply
You can apply online, over the phone or at one of our financial services stores.
Apply online
Need to access your money?
If you have an emergency and need to access your money between 1 February and 31 October each year, a $20 fee will apply.
Fees and charges
You may be charged transaction fees on your overdraft. For a full list of fees and charges, refer to our fees and charges schedule.
You can view Target Market Determinations here .
1 Rates are current as at 01/09/25 and subject to change without notice. Early withdrawal will incur a fee(s) and may result in the closure of the account.