Darling Downs Smart Saver Summary
Description
An at-call savings account for larger purchases and savings goals, with interest based on the minimum monthly balance and paid quarterly.
Benefits
- No monthly savings-account fee.
- No monthly activity requirements for the ongoing rate.
- No upper balance cap in the reviewed ongoing pricing.
Hoops
- Check the provider’s eligibility, linked-account terms and other service charges.
On this page
Details
Key details
| Product name | Darling Downs Smart Saver |
|---|---|
| Maximum variable rate | 0.75% p.a. |
| Ongoing interest rate | 0.75% p.a. |
| Base interest rate | 0.75% p.a. |
| Minimum age | - |
Source: noren.com.au
All comparison details
| Base | 0.75% |
|---|---|
| Ongoing | 0.75% |
| Ongoing cap | No 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 | $0 |
Source: noren.com.au
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 0.75% p.a..
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 0.75% | Whole balance | All balances |
Source: noren.com.au
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Requirements
- Interest is calculated on the minimum monthly balance and paid quarterly.
- No monthly deposit-count, qualifying deposit-dollar, balance-growth, card-purchase or withdrawal-count interest test is established. No introductory offer or account holding maximum is established.
- The current 9 March 2026 fee schedule says personal accounts do not incur an account-keeping fee, consistent with the March 2026 summary. This supersedes older TMD references to a conditional $5 monthly membership fee. Joining, paper-statement, dormant-customer and transaction fees are separate, confirm applicable charges with the bank. Electronic statements are free and paper statements cost $2 each.
- The comparison assumes the selected amount is the minimum balance maintained during the month. Withdrawals can reduce that monthly minimum and the interest earned.
- Funds are at call. Card, passbook, branch, internet and app access, direct credits and debits, BPAY, PayID and Osko are available subject to facility eligibility and transaction limits. The current product page and TMD establish a savings-goal purpose despite its transaction facilities.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with Darling Downs.
- Individual applicants must be Australian citizens or permanent residents, subject to Darling Downs Bank membership approval and identity checks. This comparison covers personal savings use, including where the provider also permits eligible business use.
- No universal numeric minimum or maximum account age is established in the reviewed product documents. Digital and app access age provisions are separate from the account-opening age. Confirm any joining or subscription costs with the bank.
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Sources & review
Noren aggregates information from multiple primary sources to ensure you're getting the most up-to-date, accurate information. All product information is peer reviewed.
Collected on 31 Oct 2026. Pricing verified on 29 Oct 2026.