Qudos Bank Retirement Savings Account

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Retirement Savings Account is a savings account from Qudos Bank. At $50,000 it pays 3.44% p.a. with no bonus conditions.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

Some rows are paid on the whole balance and some, marked stepped, on the part of the balance in the band, as the feed states them.

The feed states a minimum balance of $1.

Conditions

• not updated by the bank since 2026-05-19, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
• the feed lists several base rates for one balance; the lowest is shown, up to 4.95%
• no longer open to new applicants: the bank stopped taking new applications in August 2026
• the account closes for everyone on 11 February 2027

Features

Other features, in the bank's words:

• Benefits payable either as a lump sum or as an account-based pension income stream
• No negative returns
• Protected by the capital guarantee - high degree of security for the monies invested
• Rollover options from other super accounts

Fees, limits and who can open it

monthly fee

$0

minimum balance

$1

interest paid

monthly

interest calculated

daily

open to

personal customers

age limited

open only to people of certain ages (kids, youth or seniors accounts)

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

• You must be a Qudos Bank Member in order to open a Qudos Bank RSA.
• Refer to PDS for details (Accumulation and Pension): Minimum Age

About this account

The Qudos Bank RSA is a superannuation savings facility that accepts contributions and rollovers and a pension facility providing an account based pension. Qudos Bank RSAs are for individuals who are looking for security with some flexibility.

Data

• Qudos 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 22 October 2026.
• We read the bank's own page and terms against this page on 1 November 2026: retirement-savings-account, super-investing-no-longer-for-sale, retirement-savings-account-sen, Qudos0079_06_RSA-PDS_24_FA; 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 19 May 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
• DIY Superstale savings account, 4.95% conditional at $50,000
• Qantas Points Saverstale savings account, 4.50% base at $50,000
• Qsaverstale savings account, 4.60% 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.