Cairns Bank

• Bank
• Customer-owned
• Branch network
• Community focused
• Personal banking

Cairns Bank is the trading name of Cairns Penny Savings & Loans Ltd, an Australian customer-owned financial institution established in 1899 as the Cairns Weekly Penny Savings Bank. It serves Cairns and surrounding communities in Far North Queensland. Its products include savings and transaction accounts, term deposits, home loans, personal and car loans, and business banking, supported by local service and digital banking.

Rates p.a. at a balance of $25,000.

Pricing uses the current rate tables and CDR feed, some FAQ rates differ. Christmas Saver pricing above $10,000 is unconfirmed. Check product details for branch-opening, linked-account and seasonal-access requirements.

Cairns Bank published personal savings accounts and offers.

Product	Link	Base	Ongoing	Ongoing cap	Intro	Intro cap	Intro period	Dep/mth	Dep $/mth	Growth/mth	Buys/mth	Txns/mth	W/d/mth	Min age	Max age	Fee/mth	W/d $/mth
Christmas Saver	Visit	-	≤ $10K	-	-	-	-	-	-	-	-	-	-	-	-	$0	-
Kids Saver	Visit	0.81%	0.81%Ongoing cap: Tiered	Tiered	-	-	-	0	-	$0	0	-	0	-	17	$0	-

Source: noren.com.au

Useful links

• Institution background

Similar institutions

• Bank Orange
• Broken Hill
• Capricornian
• Coastline
• Community First
• Darling Downs

Sources and review

1. Institution background (cairnsbank.com.au)
2. APRA ADI register (apra.gov.au)
3. Banking access (cairnsbank.com.au)

Cairns Bank data reviewed 29 Oct 2026. Next profile review due 27 Jan 2027.