Qudos Bank DIY Super

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DIY Super is a savings account from Qudos Bank. At $50,000 it pays 4.95% p.a. in a month in which the conditions below are met and 0.35% when they are not.

Rate tiers

Every balance band in the bank's feed: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together.

Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.

The bonus is paid on top of the base rate in a month in which the conditions are met; conditional is the two together, and the base rate is what is paid otherwise.

The feed states no cap on the balance that earns the bonus.

Conditions

For the bonus rate

• no withdrawals in the month
• Bonus interest when you make no withdrawals in a calendar month

Other conditions

• not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
• one bonus-rate savings account (Bonus Saver or DIY Super Saver) per member

Features

app

yes

Osko

yes

PayID

yes

BPAY

yes

Other features, in the bank's words:

• No fixed term. Instant access to your cash when you want it!
• Interest calculated daily and credited to your account at the end of the month
• Covered under the Financial Claims Scheme
• Earn a bonus rate when your balance is $10,000 or more and you make no withdrawals in a month.
• Set up direct debits or direct credits

Fees, limits and who can open it

monthly fee

$0

interest paid

monthly

interest calculated

daily

open to

SMSF customers

Who can open it, in the bank's own words:

• business: Only available to ATO approved self managed super funds
• residency: This product is only available to members who have a residential address in Australia: Australian Resident

About this account

Give your Self-Managed Super Fund a boost. Secure a great rate with our DIY Super Saver account. Enjoy easy access to manage your DIY Super Saver online when you need it, or simply park your investment and watch it grow. You must have a Self Managed Super Fund (SMSF) in order to acquire this product.

Data

• Qudos 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 22 October 2026.
• We read the bank's own page and terms against this page on 1 November 2026: diy-super-saver; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/qudos-bank.json: this bank's accounts and every balance band as JSON; Qudos Bank's page lists them.
• The bank last updated this record on 14 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 Qudos Bank

• Bonus Saverstale savings account, 5.35% conditional at $50,000
• Qantas Points Saverstale savings account, 4.50% base at $50,000
• Qsaverstale savings account, 4.60% base at $50,000
• Retirement Savings Accountstale savings account, 3.44% base at $50,000
• Cash Management Accountstale cash management account, 3.75% base at $50,000
• General Savings Accountstale transaction account, 0.05% base at $50,000

All of Qudos Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.