Queensland Country Bank Student Money Saver
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Student Money Saver is a savings account from Queensland Country Bank. It pays 4.55% p.a. in a month in which the conditions below are met and 0.15% 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.
| Balance | Base | Bonus | Conditional |
|---|---|---|---|
| $0+ | 0.15% | 4.40% | 4.55% |
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 more than 1 withdrawal in the month
- deposit $5 or more each month
Other conditions
- for members under 18 (17 or younger); under 13s need a parent or guardian to open it
Features
- app
- yes
Other features, in the bank's words:
- Bonus Interest is paid when at least $5 is deposited into the account for that calendar month and no more than one withdrawal is made in the same month
Fees, limits and who can open it
- monthly fee
- $0
- other fees named
- Transaction Fees (no amount in the feed)
- interest paid
- monthly
- interest calculated
- daily
- age
- up to age 18
- 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:
- age 18 and under
About this account
Actively rewards our youngest members with a bonus interest rate, once the minimum $5 monthly deposit is made and no more than one withdrawal in the same month
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.
- We read the bank's own page and terms against this page on 1 November 2026: student-money-saver, brochure_fees-charges.pdf, brochure_account-access-facility.pdf; conditions they state and its feed does not are listed above.
/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
- 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
- SmartBudget 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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