Cairns Bank Christmas Saver Account
savings accountchristmas clubstaleterms checked
Christmas Saver Account is a savings account from Cairns Bank. It pays 2.25% p.a. with no bonus conditions.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0+ | 2.25% |
One rate on every balance, with no upper limit.
Conditions
- not updated by the bank since 2026-10-23, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
- a Christmas club account: withdrawals are restricted for most of the year
- money is locked until 1 November; one free hardship withdrawal a year (subject to approval) outside 1 Nov-31 Dec, further early withdrawals cost $10 each
Features
- app
- yes
Other features, in the bank's words:
- Funds available to withdraw 1st Nov to 31st Dec each year
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- annually
- interest calculated
- daily
- open to
- personal customers
- christmas club
- a Christmas club account: withdrawals are restricted for most of the year
Who can open it, in the bank's own words:
- 1 Free withdrawal per year outside 1 November - 31st December
About this account
An account to help you save for Christmas
Data
- Cairns Bank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees.
- Our verbatim snapshot of the bank's product record (source), as fetched on 23 October 2026.
- We read the bank's own page and terms against this page on 1 November 2026: christmas-saver, disclosure, fees-and-charges, COMP03-Terms-Conditions-booklet-04-June-2026.pdf, FEE01-Fees-and-Charges-01-January-2026-WEB-VERSION.pdf; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/cairns-bank.json: this bank's accounts and every balance band as JSON; Cairns Bank's page lists them.- The bank last updated this record on 23 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at Cairns Bank
- Childrens Saver Accountstale savings account, 0.70% base at $50,000
- Online Saver Accountstale savings account, 3.00% base at $50,000
- Pensioner Accountstale savings account, 1.37% base at $50,000
- Business Account transaction account, 0.01% base at $50,000
- Everyday Transaction Accountstale transaction account, 0.00% base at $50,000
All of Cairns Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
We receive no payment from any lender for inclusion or ranking.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice, bonus interest is paid only in the months an account's conditions are met, and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.