Qld Country Future Start Savings Summary
Description
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
Benefits
- No monthly savings-account fee.
- No upper balance cap in the reviewed ongoing pricing.
Hoops
- Available to ages 18 to 23.
- For bonus interest, deposit at least $5 each month. Check the full requirements below.
- No more than 1 withdrawal each month to retain bonus interest.
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Details
Key details
| Product name | Qld Country Future Start Savings |
|---|---|
| Maximum variable rate | 4.55% p.a. |
| Ongoing interest rate | 4.55% p.a. |
| Base interest rate | 0.15% p.a. |
| Minimum age | 18 years |
Source: noren.com.au
All comparison details
| 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
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 0.15% p.a., before bonus interest.
- Ongoing: 4.55% p.a. when bonus conditions are met. No upper cap.
Full rate breakdown
| 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
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Requirements
- 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
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with Qld Country.
- 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.
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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 and verified on 31 Oct 2026.