We want to make banking with us easy, which is why we’ve simplified the accounts we offer. New accounts for the products listed below can no longer be opened. If you’re an existing customer with one of these accounts, you can find your account rates and fee information below. View all account terms and conditions applicable to your account here.
Please note, account fees apply to the account type, but service fees may also apply – for example, if you request regular paper statements. View our service fees.
If an account fee applies, that fee is deducted from the account at the end of each calendar month.
As at 23 September 2026
Everyday accounts
Personal
Account balance |
Interest rates |
||
|---|---|---|---|
Account balance |
$0 - $9,999 | Interest rates |
0.00% p.a. |
Account balance |
$10,000 + | Interest rates |
0.05% p.a. |
Interest is calculated daily and paid annually on 31 March.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Saver Plus
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$0 + | Interest rate |
0.00% p.a. |
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Statement Savings
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$0 + | Interest rate |
0.00% p.a. |
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Savings
Account balance |
Interest rates |
||
|---|---|---|---|
Account balance |
$0 - $499 | Interest rates |
0.00% p.a. |
Account balance |
$500+ | Interest rates |
0.45% p.a. |
Interest is calculated daily and paid annually on 31 March.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Student First
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$0 + | Interest rate |
0.00% p.a. |
Interest is calculated daily and paid annually on 31 March.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Freestyle Junior
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$0 + | Interest rate |
1.40% p.a. |
Interest is calculated daily and paid annually on 31 March.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Savings accounts
Premier
Account balance |
Interest rates |
||
|---|---|---|---|
Account balance |
Interest rates Account balance Rate Portion of balance up to $19,999 | Interest rates |
0.00% p.a. |
Account balance |
Portion of balance between $20,000 - $34,999 | Interest rates |
1.35% p.a. |
Account balance |
Portion of balance between $35,000 - $49,999 | Interest rates |
1.35% p.a. |
Account balance |
Portion of balance between $50,000 - $99,999 | Interest rates |
1.35% p.a. |
Account balance |
Portion of balance $100,000 and over | Interest rates |
1.45% p.a. |
Interest is calculated daily and paid annually on 31 March.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
$10 each month the balance falls below $5,000 |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Horizon Savings
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$0 + | Interest rate |
1.40% p.a. |
Interest is calculated daily and paid monthly on the last day of each month.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
$1 for each withdrawal through ATM, eftpos/debit card, or staff assisted withdrawals. |
Horizon Education
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$0 + | Interest rate |
1.40% p.a. |
Interest is calculated daily and paid quarterly on the first day of March, June, September and December.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
$5 per withdrawal. Withdrawals are only available by staff assistance. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Peak Savings
Account balance |
Interest rates |
||
|---|---|---|---|
Account balance |
$0 - $999 | Interest rates |
0.00% p.a. |
Account balance |
$1,000 - $4,999 | Interest rates |
0.45% p.a. |
Account balance |
$5,000 - $19,999 | Interest rates |
0.45% p.a. |
Account balance |
$20,000 + | Interest rates |
0.45% p.a. |
Interest is calculated daily and paid quarterly on the first day of March, June, September and December.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
$5 per withdrawal through ATM, eftpos/debit card, or transfers between own accounts. One free staff assisted withdrawal per month, then $5 per subsequent staff assisted withdrawal. |
Business accounts
Business Cheque
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$0 + | Interest rate |
0.00% p.a. |
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Investment accounts
Funeral Term Investment
Account balance |
Interest rate |
||
|---|---|---|---|
Account balance |
$1,000 + | Interest rate |
Interest rate applied will be based on the term selected when the account was opened and the last time the account rolled to a new term. It uses the same terms and interest rates as standard Term Investments. |
View our Term Investment rates for accounts rolling today.
Please note, rates are subject to change. The rate that applies to your Funeral Term Investment when it matures, will depend on the rates at that time.
Fees |
Fee amount |
||
|---|---|---|---|
Fees |
Account fee | Fee amount |
No account fees. |
Fees |
Service fee | Fee amount |
Service fees may apply. |
Key terms for Funeral Term Investments
- You will accrue interest on your investment based on the term and interest rate you select when you open your account.
- Interest is credited every six months or on maturity (whichever is earlier) and will be deposited into another TSB account of your choice for you to access.
- Your investment can only be paid out to a funeral director, or the executor, administrator or other authorised person acting on your estate when we receive a death certificate and/or funeral invoice.
- Any surplus funds are held alongside any other estate assets.
- No interest will be payable on funds invested for less than 30 days. Funds invested are locked in and cannot be withdrawn.
- Read our Funeral Term Investment Terms and Conditions.
- When the account holder has passed away, get in touch with our dedicated deceased estates team.