Cairns Bank Pensioner Account
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Pensioner Account is a savings account from Cairns Bank. At $50,000 it pays 1.37% 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 – $10,000stepped: paid on the part of the balance in this band | 0.05% |
| $10,000.01 – $50,000stepped: paid on the part of the balance in this band | 1.70% |
| $50,000.01+stepped: paid on the part of the balance in this band | 3.00% |
The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of them.
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
- open only to pension or allowance recipients
- open only to Age or Disability pension recipients, with proof sighted in branch
Features
- card
- yes
- app
- yes
Other features, in the bank's words:
- Cheque book access
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- annually
- interest calculated
- daily
- open to
- personal customers
- pensioner
- open only to pension or allowance recipients
Who can open it, in the bank's own words:
- pension recipients only: Recipents of Age and Disability Pensions
About this account
A full transaction account designed for recipients of aged or disability pensions
Data
- Cairns Bank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- 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: pensioner-account, 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
- Christmas Saver Accountstale savings account, 2.25% base at $50,000
- Online Saver Accountstale savings account, 3.00% 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.
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