Smart Saver Account
This savings account is designed to help members reach their savings goals.
On this page
Details
| Field | Value |
|---|---|
| Base | 0.05% |
| Ongoing | 5.00% |
| Ongoing cap | $50K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0.01 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | 2 |
| Min age | 25 |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.05% | Whole balance | All balances |
| Ongoing total, conditions met | 5.00% | This band only | First $50k |
| Ongoing total, conditions met | 4.75% | This band only | Over $50k |
Source: noren.com.au
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Bonus requirements
For Smart Saver Account, meet these requirements to earn the ongoing total rate shown above.
- Grow the balance by any amount from the first to last calendar day, excluding interest, and make no more than two withdrawals. The base rate applies without bonus qualification.
- 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.
Qualification timing: Requirements are assessed in the current month. Check the settlement deadlines and exclusions in the requirements.
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 | 0.05% | 5.00% | - |
Source: noren.com.au
Eligibility
- This account is for personal use by individuals including for Trusts and Self-Managed Superannuation Funds (SMSF) with personal trustees.
- At least one account holder must be 25 years of age or older at the date of opening
- Available to permanent Australian Residents
- Personal savings use only. Under-25 product requires every joint holder to remain under 25, it converts the month after the oldest holder turns 25. Parent/guardian opening is available for under-14s.
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 31 Oct 2026.