Southern Cross EASY ACCESS 50+ Summary
Description
Everyday transaction account with easy access for those at retirement age with competitive Interest
Benefits
- No monthly activity requirements for the ongoing rate.
Hoops
- Applicants must be at least 50.
- Monthly savings-account fee of $5.
- Ongoing rate cap: $10,000. See the rate breakdown for higher balances.
On this page
Details
Key details
| Product name | Southern Cross EASY ACCESS 50+ |
|---|---|
| Maximum variable rate | 0.45% p.a. |
| Ongoing interest rate | 0.45% p.a. |
| Base interest rate | 0.45% p.a. |
| Minimum age | 50 years |
Source: noren.com.au
All comparison details
| Base | 0.45% |
|---|---|
| Ongoing | 0.45% |
| Ongoing cap | $10K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | 50 |
| Max age | - |
| Fee/mth | $5 |
Source: noren.com.au
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 0.45% p.a..
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 0.45% | This band only | First $10k |
| Standard variable | 0.75% | This band only | Over $10k to $50k |
| Standard variable | 2.50% | This band only | Over $50k to $200k |
| Standard variable | 2.75% | This band only | Over $200k to $2m |
| Rates unverified | - | - | Over $2m |
Source: noren.com.au
Share/Export
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Requirements
- No monthly deposit, growth, purchase or withdrawal-count interest qualification. Tier rates apply separately to each portion of the balance.
- Standard $5 monthly account fee. Waived if at least $2,000 is deposited from an external account into this account monthly, or combined deposits and/or loans under the same primary customer number are at least $30,000. Fee qualification applies separately to each Easy Access 50+ account, it is not an interest-rate bonus condition.
Fees
- Monthly account fee: $5
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with Southern Cross.
- Primary account holder age 50+. Australian citizen or permanent resident. For joint accounts the secondary holder need not meet the age requirement. Current public product page and rate schedule confirm advertised split pricing, despite the source isTailored flag. No quote is used.
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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 27 Oct 2026.