Queensland Country Bank SmartBudget
transaction accountlinked account
SmartBudget is a transaction account from Queensland Country Bank. At $50,000 it pays 0.01% p.a. with no bonus conditions.
Not ranked: a transaction (everyday) account, not a savings account.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0 – $4,999.99stepped: paid on the part of the balance in this band | 0.00% |
| $5,000+stepped: paid on the part of the balance in this band | 0.01% |
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.
Features
- app
- yes
- transactions
- unlimited
Fees, limits and who can open it
- monthly fee
- $5
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 17 and over
- open to
- personal customers
- linked account
- a linked or nominated transaction account is required
About this account
Transaction account linked to an agreement in which regular deposits are made in return for payment of nominated bills. When combined with the linked agreement this assists budgeting by smoothing out the expenses paid under the agreement.
Data
- Queensland Country 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 13 November 2026.
/au/finance/savings-accounts/v1/brands/queensland-country-bank.json: this bank's accounts and every balance band as JSON; Queensland Country Bank's page lists them.- The bank last updated this record on 13 November 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 Queensland Country Bank
- Bonus Saver savings account, 4.55% conditional at $50,000
- Business Online Saver savings account, 3.00% base at $50,000
- Christmas Club savings account, 2.70% base at $50,000
- Future Start Savings savings account, 4.55% conditional at $50,000
- Online Saver savings account, 3.00% base at $50,000
- Pension Plus savings account, 3.30% base at $50,000
- Star Saverstale savings account, 3.25% base at $50,000
- Student Money Saver savings account, 4.55% conditional at $50,000
- All Access transaction account, 0.01% base at $50,000
- Business Basic transaction account, 0.01% base at $50,000
- Business Platinum transaction account, 0.01% base at $50,000
- Learners & Earners All Access transaction account, 0.01% base at $50,000
All of Queensland Country 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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