Golden Account
A transaction account for customers aged 55 and over, with easy access to funds and variable stepped interest.
On this page
Details
| Field | Value |
|---|---|
| Base | 1.23% |
| Ongoing | 1.23% |
| Ongoing cap | Tiered |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | 55 |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 0.30% | This band only | First $10k |
| Standard variable | 1.85% | This band only | Over $10k to $50k |
| Standard variable | 2.35% | This band only | Over $50k to $100k |
| Standard variable | 2.70% | This band only | Over $100k to $5m |
Source: noren.com.au
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Rate requirements
For Golden Account.
- No monthly deposit, growth, purchase or withdrawal-count qualification. Interest is calculated daily, stepped tiers apply to each portion of the balance.
- Provider fee review 29 October 2026: this savings account has no monthly account-keeping fee. This does not waive transaction, statement, special-service or separately linked-account charges, their published conditions still apply.
Fees
| Fee | Amount | Details |
|---|---|---|
| Monthly account fee | $0 | Monthly account fee. |
Source: noren.com.au
Showing reviewed fees only, other charges may apply
Rate history
| Observed | Base | Ongoing | Intro |
|---|---|---|---|
| 29 Oct 2026 | 1.23% | 1.23% | - |
Source: noren.com.au
Eligibility
- Age 55 or over.
- Member must be a natural person rather than another legal entity.
- You must be or become a BCU Bank member
- Customers may hold up to a total of 3 Golden Account accounts under single or joint names.
- You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.
- Personal account only. Maximum account balance $5m. Membership and residency requirements apply, see provider terms for child/joint signing rules.
Similar products
Tools & support
Things you should know
- Check withdrawal access, linked-account requirements and transaction timing with the provider.
- Introductory and ongoing offers may have different eligibility and balance limits.
Collected on 30 Oct 2026. Pricing verified on 27 Oct 2026.