BankMate

Savings account · Up to 17 years

Queensland Country Bank Student Money Saver

4.55%p.a. total

0.15% base + 4.40% bonus when the conditions are met

94th of 151 savings accounts · market average 4.37%

Go to Queensland Country BankCompare with another accountCompare with Queensland Country Bank's term deposit

The RBA raised the cash rate to 4.60% on 30 September. Student Money Saver moved on 15 October, 15 days later.

What the bonus asks

2 things each month
Each month
  1. A deposit of at least $5
  2. At most 1 withdrawal
A month without them

Pays the 0.15% base rate on the whole balance.

Who can open it

Anyone under 18

Balance

No balance cap.

Compare all 151 accounts

Rate history

Last change 15 Oct
  • Student Money Saver
  • RBA cash rate
  • Market average
3.754.004.254.504.75MayJulSepToday4.55% p.a. today

October 20261 change

  1. 15Thu
    • 4.35 → 4.55Bonus rate 4.20% → 4.40% · 15 days after the RBA rise to 4.60%
      +0.20

May 20261 change

  1. 20Wed
    • 4.10 → 4.35Bonus rate 3.95% → 4.20% · 14 days after the RBA rise to 4.35%
      +0.25

April 20261 change

  1. 14Tue
    • 3.90 → 4.10Bonus rate 3.75% → 3.95% · 27 days after the RBA rise to 4.10%
      +0.20

  1. #64AprApr 2026: ranked 64 of 76
  2. #64MayMay 2026: ranked 64 of 79
  3. #67JunJune 2026: ranked 67 of 79
  4. #68JulJuly 2026: ranked 68 of 80
  5. #68AugAug 2026: ranked 68 of 80
  6. #83SepSep 2026: ranked 83 of 120
  7. #93OctOct 2026: ranked 93 of 150
  8. #94NowNov 2026: ranked 94 of 151
  • Top 5%
  • Top 10%
  • Top 25%
  • Top half
  • Lower half

Mostly outside the top half of accounts over the last 8 months: from #93 of 150 in Oct 2026 to #68 of 80 in July 2026.

A year meeting the conditions
$2,275
A year without meeting the conditions
$75
Against the average (4.37%)
+$91

On a $50,000 balance. Type yours above; it's kept with your savings preferences.

Notes from savers

to leave a note.

Other Queensland Country Bank accounts: Future Start Savings 4.55% · Bonus Saver 4.55% · Star Saver 4.15%

Pays 4.55% p.a. total (0.15% base plus 4.40% bonus) as of 2 November 2026. Ranks 94th of 151 savings accounts tracked by BankMate, 0.18 points above the average of 4.37%. The rate last rose on 15 October 2026, 15 days after the RBA raised the cash rate to 4.60%. From Queensland Country Bank's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·