Christmas Club
Christmas Club
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Details
| Field | Value |
|---|---|
| Base | 3.25% |
| Ongoing | 3.25% |
| Ongoing cap | No cap |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | - |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 3.25% | Whole balance | All balances |
Source: noren.com.au
Rate requirements
For Christmas Club.
- $0 monthly account-keeping fee and no minimum opening balance under the current product pages and TMDs. Service charges can apply, including $7.50 staff-assisted withdrawals and a $20 annual dormancy charge after two years without transactions.
- Interest calculated daily. No mandatory linked transaction account is established for these savings families, optional linked card accounts have their own terms.
- No monthly deposit, growth, purchase or withdrawal-count interest condition. Interest calculated daily and paid annually on 31 October.
- Ordinary withdrawal access is 1 November–31 January. At other times the current account summary permits withdrawal on seven days’ notice, the bank may transfer the remaining balance to Everyday Savings at its applicable rate. This exception is not a year-round notice account or a monthly withdrawal allowance.
- Deposits are allowed throughout the year. Online/app withdrawal access is limited to the normal seasonal window. No debit card, ATM/EFTPOS or BPAY.
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 | 3.25% | 3.25% | - |
Source: noren.com.au
Eligibility
- Personal Gateway Bank membership and identity checks, with a permanent Australian residential address and phone number under the current TMD. The copied CDR pension-recipient flag is not a mandatory restriction: the TMD describes pension recipients as an optional suitable cohort.
- Adult product TMDs say over the age of 18. An exact completed-age minimum is not inferred from that wording, check the bank’s eligibility requirements.
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 28 Oct 2026.