Personal Banking Accounts no longer available

Basic Access Account
Entire balance 0.00%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
From 1 March 2023 the Basic Access Account was removed from sale.

Achiever and Spend Account
Entire balance 0.00%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
From 12 January 2009 the Achiever Account and Spend Account were removed from sale.

Christmas Club Account

This product is no longer available for sale. Interest rates apply to existing account holders only.
Up to $1,999 0.01%p.a.
$2,000 plus 0.01%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
In order to receive these interest rates withdrawals can only be made in November and December - refer to Terms and Conditions for more details.
Important Information
From 1 February 2017 the Christmas Club Account was removed from sale.

Money Management Account
Up to $4,999 0.00%p.a.
$5,000 - $9,999 0.00%p.a.
$10,000 - $19,999 0.00%p.a.
$20,000 - $49,999 0.00%p.a.
$50,000 - $99,999 0.00%p.a.
$100,000 - $499,999 0.00%p.a.
$500,000 - $999,999 0.01%p.a.
$1,000,000 plus 0.01%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
From 2 April 2012 the Money Management Account was removed from sale.

Money Minder Account
Up to $1,999 0.00%p.a.
$2,000 - $4,999 0.00%p.a.
$5,000 -$19,999 0.01%p.a.
$20,000 - $49,999 0.01%p.a.
$50,000 plus 0.01%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
From 23 January 2018 the Money Minder Account was removed from sale.

Mortgage Offset Account
Entire balance 0.01%p.a.
Entire balance when linked to an eligible home loan For 100% Interest Offset - equivalent linked loan's%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
From 23 January 2018 the Mortgage Offset Account was removed from sale.

Platinum Deposit (At-Call) Account
Platinum Deposit (At-Call) Account 0.15%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
From 28 October 2021 the Platinum Deposit (At-Call) Account was removed from sale.

Rapid Saver Passbook Account
Entire Balance 0.01%p.a.
Entire Balance when linked to a Premium Plus Package 0.25%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Simply make at least one deposit and no withdrawals during a calendar month.
Important Information
From 23 January 2018 the Rapid Saver Passbook Account was removed from sale.

Rapid Saver Statement Account
Entire Balance 0.01%p.a.
Entire Balance when linked to a Premium Plus Package 0.25%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Simply make at least one deposit and no withdrawals during a calendar month.
Important Information
From 31 August 2023 the Rapid Saver Statement Account was removed from sale.
This account is no longer available for sale from 31 August 2023. Interest rates only apply to existing account holders.

Save and Education Savings Accounts
Entire Balance 0.01%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Simply make at least one deposit and no withdrawals during a calendar month.
Important Information
From 12 January 2009 the Save Account and Education Saver Account were removed from sale.

Standard Variable for Business Purpose
Standard Variable for Business Purpose 7.50%p.a. 7.55%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
Applications are subject to credit approval. Full terms and conditions will be included with our loan offer. Fees and charges are payable. References to “interest only” on this page refer to loans with interest based repayments, which are calculated slightly differently from traditional interest only repayments – please ask us for further details. References to "LVR" mean Loan to Valuation Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.
*The Comparison Rate is calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Statement Savings Accounts
Entire balance 0.00%p.a.
Entire balance when linked to a Premium Plus Package 1.00%p.a.
Interest rates effective as of 23/12/2024 and are subject to change without prior notice.
Important Information
From 31 August 2023 the Statement Savings Account was removed from sale.
This account is no longer available for sale 31 August 2023. Interest rates only apply to existing account holders.
All rates are variable. For further information regarding interest and products generally, please review the applicable Terms and Conditions.
20% p.a. interest rate is payable by account holder on any overdrawn amount.
You should consider the Terms and Conditions in deciding whether to continue to hold these products. Fees and charges may apply.

©2023 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.