Future Start Savings
Encouraging savings for our Students and Apprentices with a bonus interest rate once the minimum $5 monthly deposit is made and no more than one withdrawal in the same month
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Details
| Field | Value |
|---|---|
| Base | 0.15% |
| Ongoing | 4.55% |
| Ongoing cap | No cap |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 1 |
| Dep $/mth | $5 |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | 1 |
| Min age | 18 |
| Max age | 23 |
| Fee/mth | $0 |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.15% | Whole balance | All balances |
| Ongoing total, conditions met | 4.55% | Whole balance | All balances |
Source: noren.com.au
Bonus requirements
For Future Start Savings, meet these requirements to earn the ongoing total rate shown above.
- Personal AUD variable savings pricing. Interest is calculated daily and paid monthly, no separate introductory rate or mandatory linked transaction account is advertised. Optional service/transaction charges can apply.
- Deposit at least $5 in the calendar month and make no more than one withdrawal that month. Otherwise the base rate applies. No separate growth or card-purchase condition.
- No card access, withdraw by transferring to another account or visiting a branch. The requirement is a monthly deposit total, not a prescribed number of deposits.
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 | 0.15% | 4.55% | - |
Source: noren.com.au
Eligibility
- Queensland Country Bank membership and identity/AML checks required. The current TMD requires Australian citizenship or a valid Australian visa. Membership entails subscribing for one share, this is separate from the account’s monthly service fee.
- Ages 18–23 inclusive and undertaking full-time study at an Australian tertiary institution or an Australian apprenticeship.
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.