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BSB 650 000

Come on, step up your saving habits

5.00
%
P.A.
Smart Saver Account for Under 25s
0.05% p.a. standard interest rate ᴥ
+ 4.95% p.a. bonus interest rate ᴥ
Start saving Find out more

Opening an account takes just 5 minutes

  • Smart Saver Account for Under 25’s

    Smart Saver Under 25s

    Entire Balance (including standard and bonus interest rateᴥ) when all account holders are under 25
    5.00
    %
    P.A.

    Speed up your savings

    Our Smart Saver Under 25’s Account is designed specifically for younger customers, offering a higher interest rate to help grow those goals. 

    Sit back and save knowing you’ll earn a guaranteed standard rate of interest on your savings with the option to access your money if you need it.ᴥ

    Plus, receive bonus interest when you grow your balance and make no more than 2 withdrawals each month.ᴥ

    Clever cookies will enjoy the following account features:

    • Bonus interest when you grow your balance and make no more than 2 withdrawals each monthᴥ
    • No monthly account keeping fee
    • 2 free everyday transactions each month^^
    • Manage your account 24/7 using our app or internet banking.
    • Parents/guardians can be given authority to operate the account until the child turns 14 and can request sole access.

    Get the most out of your account with Your savings account guide.
    Entire balance (standard rate)ᴥ 0.05%p.a.
    Portion of the balance below $50,000ᴥ 4.95%p.a.
    Portion of the balance between $50,000 - $100,000ᴥ 4.95%p.a.
    Portion of the balance between $100,000 - $250,000ᴥ 4.95%p.a.
    Portion of the balance $250,000 and aboveᴥ 4.95%p.a.
    Free Everyday Transactions^^ You will receive two free 'Everyday Transactions' each month.
    Interest Calculated Daily
    Interest Credited On the last day of each calendar month
    Account Keeping Fee Nil
    Branch Withdrawal Fee $3.00
    eftpos Fee Nil
    Newcastle Permanent ATM Enquiry Fee Nil
    Newcastle Permanent ATM Withdrawal Fee Nil

  • Everyday Account

    For your favourite daily moments

    Every day is different, so get the most out of it with banking you can count on:

    • No monthly account keeping fee
    • Unlimited free everyday transactions^^
    • Get access to an instant digital card via our app
    • Check out faster in-store or online with mobile payments
    • Access your account 24/7 using our app or internet banking
    • Pay wherever Visa is accepted^
    • Use our ATMs, Greater Bank and any of the big four banks for freeΔ
    • Get paid directly into your account by submitting a form with your employer.

    Get the most out of your account with your everyday banking account guide.


    Account Keeping Fee Nil
    Branch Withdrawal Fee Nil
    eftpos Fee Nil
    Newcastle Permanent ATM Enquiry Fee Nil
    Newcastle Permanent ATM Withdrawal Fee Nil

Unlock your banking features

Download our award-winning app and discover all that your account has to offer.

woman with phone and coins

Open an Everyday Account Download the
app

Download your Everyday Banking Account Guide for more details.

  • Number 1
    Instant account access
    Add your Visa card to Digital Wallet straight after opening a new account via the app and tap away with mobile payments.
  • Number 2
    Speedy and secure payments
    Register your email or mobile number with PayID® to transfer money securely in near real time.
  • Number 3
    Switch your salary
    Streamline your banking and get paid directly into your account by submitting a form with your employer.
  • Number 4
    Pay your way
    Set up regular payments for your bills and loan repayments to keep on top of your budget.

FAQs

To see all FAQs visit our help & support page

Log on the app and select ‘Profile’ from the bottom menu to find your 8 digit Customer ID. Otherwise select ‘Forgot Customer ID’ from internet banking and follow the prompts.

You'll need your customer ID and a few other personal details.

App:
  • Download the app via the App Store or Play Store and follow the prompts.
Internet banking:
  • Register via the Log on tab on our website and follow the prompts.

You’ll be paid into your nominated account once your employer has updated your details.

Along with your device, you'll need a Newcastle Permanent Visa Debit or Visa Value+ credit card. Our team can help you apply for an eligible product if you don't already have one.

First, download Google Wallet from the Google Play Store. Second, you can add an eligible card  by snapping a picture or entering your account number manually.

If your eligible card is already set up for Google Play, you can simply add that card to Google Pay by confirming a few details.

You must be 14 years or over to apply for a Visa Debit card. When opening a new eligible account a Visa Debit card will be automatically issued to you.

If you wish to upgrade an existing account to a Visa Debit card visit one of our branches or call 13 19 87.

Access your accounts

You may need to access your accounts from overseas, so make sure you know your app or internet banking password before you go.

Please contact us before you go to set up an alternative Transaction Password to use while travelling, this will ensure you can continue to access your accounts avoiding any issues overseas accessing your Australian mobile number to receive your SMS one time password.

Notify us of your travel plans

Let us know your travel plans via the app or internet banking so we can monitor your account activity overseas and provide better security for you.

To use the app to notify us of your travel plans:

  • Log on
  • Go to Profile
  • Select Overseas travel and follow the prompts.

To use internet banking to notify us of your travel plans:

  • Log on to internet banking and navigate to Services > Overseas travel,
  • Select 'Add trip'
  • Enter all countries you plan to visit including stopovers, and the dates you are travelling,
  • Use the checkboxes provided to let us know if you are planning to use your cards for ATM withdrawals, or for large purchases, 
  • Select ‘Save’.

Alternatively, you can call us on 13 19 87, or visit one of our branches to notify us. 

Wave goodbye to waiting

Add your eligible Visa Debit card to the Digital Wallet and tap to pay straight away after opening a new account online. No need to wait for your physical card to arrive.

Apple pay logo      Google pay logo

Get Apple Pay Get Google Pay

Tips on saving smart

Interest rates effective as of 21/11/2024 and are subject to change without prior notice.
ᴥ Standard interest is earned on your Smart Saver Account each month that it maintains a positive balance. Bonus interest is paid on each portion of your balance within each strata (tier). This means that different rates of interest apply to different parts of your account balance. To qualify for bonus interest, your closing balance must be higher than the opening balance (excluding any interest earned) and you must not have made more than two withdrawals during the calendar month. All account holders must be under 25 years of age as at the first day of that month to be eligible for a Smart Saver Under 25’s.
^Must be 14 to apply for a Visa Debit card.
^^'Everyday transactions' consist of branch withdrawals. For more information refer to the product schedule.
ΔNo transaction fees apply for a successful cash withdrawal or account balance query using your Newcastle Permanent Visa debit card at any Newcastle Permanent, Greater Bank, ANZ, NAB, Commonwealth Bank or Westpac ATM across Australia.
Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Wallet, Face ID, Touch ID, Touch Bar, Safari, Apple Watch, iPad, iPhone, iTunes and Mac are trademarks of Apple Inc., registered in the U.S. and other countries and regions.
^^^For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/HT208531 
Google Pay Terms of Use.
Google, Google Pay and the Google Play logo are trademarks of Google LLC.
PayID is a registered trademark of NPP Australia Limited.
Cashcards and Business+ Credit Cards are not eligible.

Our BSB 650 000

©Newcastle Permanent, part of Newcastle Greater Mutual Group Ltd
ACN 087 651 992 Australian Financial Services Licence/Australian credit licence 238273

General Advice Warning: Any general advice on this website (including via webchat) has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on the advice, you should consider its appropriateness (having regard to your personal circumstances). Before deciding to acquire a financial product from us, you should also consider the relevant Terms and Conditions or Product Disclosure Statement.

 
 
Acknowledgement of Country

We acknowledge the Traditional Custodians of the lands, waterways and skies across Australia. We pay our respects to Elders past and present. 

First nations peoples are respectfully advised this website may contain images, names or stories of people who have passed away. Read our Reconciliation Action Plan here.

Taken from 'Reconcile Connection', an artwork commissioned by NGM Group created by Bundjalung woman Tywana Caldwell