All Access account
| Balances less than $5,000 | 0.00Interest rate |
| Balances over $5,000 | 0.01Interest rate |
| Fees | |
|---|---|
| Monthly fee | $6 (Free if waiver met - see details below)** |
| Transaction fees | Fees may apply. Please read our Fees and Charges brochure to learn more. |
Learners and Earners All Access account
| Balances less than $5,000 | 0.00Interest rate |
| Balances more than $5,000 | 0.01Interest rate |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Transaction fees | Fees may apply. Please read our Fees and Charges brochure to learn more. |
Pension Plus account
| Balances more than $50,000 | 2.65Interest rate |
| Balances up to $50,000 | 2.65Interest rate |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Transaction fees | Fees may apply. Please read our Fees and Charges brochure to learn more. |
Mortgage Offset account
| Balances less than $5,000 | 0.00Interest rate |
| $5,000 < $500,000+ | 0.01Interest rate |
| Fees | |
|---|---|
| Monthly fee | $0 |
| Transaction fees | Fees may apply. Please read our Fees and Charges brochure to learn more. |
The fine print
Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Terms and conditions apply and are available on request.
Before acquiring this product please refer to the Financial Service Guide; Target Market Determination; Account and Access Facility Conditions of Use; Fees and Charges brochure; Personal and Savings Transaction Accounts brochure and Deposit Interest Rates Schedules to determine if the product is right for you.
All Access account:
Interest is calculated on the minimum monthly balance and paid monthly.
** The Monthly Account Service Fee of $6 is waived for each month that you satisfy one or more of the following:
- External direct credit of $1,000 or more to your All Access account each month; or
- Total savings, investments and borrowings of $50,000 or more held in any of the Contributing Accounts as at the last day of each month; or
- An Australian War Veteran, Aged or Disability Pension is directly credited to the All Access Account; or
- A current Queensland Country Ultimate Home Loan Package is held in the same name as one of the account holders; or
- You (the account holder) are under 18.^^
Learners and Earners All Access account:
Interest is calculated on the minimum monthly balance and paid monthly.
Pension Plus account:
Interest Rates for the Pension Plus accounts are calculated on a stepped basis with a different interest rate paid for parts of your account balance that fall within set dollar ranges (‘steps’).
Mortgage Offset account:
The Mortgage Offset linked loan account interest is calculated on the amount which is the difference between the daily balance of the loan and the daily balance (if in credit) of the offset account. This interest is debited to the loan. Credit interest on Mortgage Offset accounts is only paid if the account is not linked to an eligible home loan. All interest rates quoted are per annum and are calculated on a tiered basis.
Rates and fees effective: 19th February 2026